| |
| S4 Access Account
(effective from 01/03/2009) |
|
| $0 to $500 |
0.00% pa |
| over $500 to $50,000 |
0.05% pa |
| over $50,000 |
0.25% pa |
S7 Bonus Saver Account (effective from 03/03/2010) |
|
| |
Total Interest Inc. Bonus Interest |
Normal Interest Rate |
$0 to $500 |
0.00% pa |
0.00% pa |
over $500 to $50,000 |
1.25% pa |
0.40% pa |
over $50,000 |
3.75% pa |
0.60% pa |
S12 Christmas Savers Account (effective from 01/06/2005) |
|
S30 Equity Access Account (effective from 01/03/2009) |
|
$0 to $500 |
0.00% pa |
over $500 to $50,000 |
0.05% pa |
over $50,000 |
0.25% pa |
S40 Business Access Account (effective from 01/03/2009) |
|
$0 to $500 |
0.00% pa |
over $500 to $50,000 |
0.05% pa |
over $50,000 |
0.25% pa |
S65 Senior Savers Account (effective from 01/05/2009) |
|
$0 to $2,000 |
0.00% pa |
over $2,000 to $50,000 |
2.00% pa |
over $50,000 |
3.00% pa |
-
*Interest is calculated daily on full balance and credited quarterly except for S7 Bonus Savers,
S65 Senior Savers and S12 Christmas Savers accounts.
-
S7 Bonus Savers Account - Interest calculated daily on tier balance only and credited monthly. Bonus interest
paid if no more than 1 debit per month otherwise normal rate paid.
-
S65 Senior Savers Account - interest calculated daily at the rate that applies to the different
part of the balances and credited quarterly.
-
S12 Christmas Savers Account - interest calculated daily and credited 15th November each year.
Funds available from 15th November to 31st January.
-
S40 Business Access Account - same rate as applied to S4 Access Account.
The savings accounts hereunder are no longer available to new applicants
| S6
Redi Investment (effective from 01/03/2002) |
|
| $0 to $500 |
0.00% pa |
| over $500 to $10,000 |
0.10% pa |
| over $10,000 to $50,000 |
0.25% pa |
| over $50,000 |
1.00% pa |
| S8
Redi Start (effective from 01/03/2002) |
|
| S10
Redi Fund Cash Management (effective from 21/07/2010) |
|
| $0 to less than $5,000 |
0.00% pa |
| $5,000 to $25,000 |
1.00% pa |
| over $25,000 to $50,000 |
1.75% pa |
| over $50,000 to $100,000 |
2.50% pa |
| over $100,000 to $250,000 |
3.00% pa |
| over $250,000 |
3.50% pa |
| S11
Redi Fund Plus Cash Management (not
available to new applications) |
|
| Edvest members receive an additional 0.10%
interest rate on balances of $5,000 or more for Cash Management
accounts.
* Interest calculated daily on full balance
and credited quarterly |
(New rates apply from 21st July 2010)
Months |
$1,000 to less than $5,000 |
$5,000 to less than $50,000
|
$50,000 or more |
|
|
|
|
3 to
6 months |
3.00% pa |
5.20% pa |
5.60% pa |
6 to
12 months |
3.00% pa |
5.50% pa |
5.80% pa |
12 to
18 months |
4.00% pa |
5.60% pa |
6.00% pa |
18 to
24 months |
4.10% pa |
5.70% pa |
6.20% pa |
24 Months |
4.20% pa |
5.75% pa |
6.20% pa |
- Term Deposit Rates are fixed for the full term.
- Amounts over $250,000 by negotiation
Interest Payment Options:
- Terms 1 to 5 months interest paid on maturity.
- Terms 6 months or more, interest paid every 28 days, quarterly or on maturity.
- Terms exceeding 12 months, interest must be paid at least 12 monthly.
Interest payments can only be made to your credit union access account or reinvested.
Early redemption penalties apply.
Rates apply for
| Standard Variable |
12.95% to 14.95% pa
|
| Cash Secured |
11.25% pa |
Click
here for our Comparison Rate Schedule 
| New & Used Cars to 3 yrs old |
10.95% pa |
| Used over 3 yrs old |
12.95% pa |
| Fixed Rate Car Loans |
11.25% pa |
Click
here for our Comparison Rate Schedule
| Smart Green Car Loan |
9.95% pa |
| Smart Green Personal Loan |
11.95% pa |
Click
here for our Comparison Rate Schedule
| Housing
Loans
(New loan effective 07/05/10, existing loan effective 01/06/10 |
|
| All In One Home Loans (includes offset) |
7.34% pa |
| Home Equity Loans |
7.34% pa |
| Investment |
7.34% pa |
| Interest Only Home Loan (Fixed for 12 months) |
7.34% pa |
| Minimiser Home Loan |
6.84% pa |
| Introductory Home Loan (12 months variable) |
6.09% pa |
| 3 Year Fixed Home Loan |
7.44% pa |
Click
here for our Comparison Rate Schedule
| Overdraft/Visa |
14.95% pa |
| Visa Credit |
14.95% pa |
| Equity Access - Mortgage Secured
|
7.84% pa |
| Secured Mortgage |
8.84% pa |
| Other Loans - Unsecured |
14.95% pa |
| Overdrafts - Unsecured |
14.95% pa |
| Overdraft - Secured |
9.59% pa
|
| Car Loans |
Normal Car Rates
Apply |
|
Interest Rates/Fees & Charges
