Friday, 3 July 2009 
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PCU's Interest Rates










Savings, Term Deposit and Loan Interest Rates

Savings Accounts
Investment Terms Deposits
Edvest Savings Accounts
Edvest Investment Deposits
Consumer Loans
Home Loans

Savings Accounts (1)
Product Description Interest Rate
S1 – Easy Access Account $0 to $499
$500 to $20,000
$20,001 to $50,000
$50,001 or more
0.00% p.a.
0.05% p.a.
0.10% p.a.
0.20% p.a.
S2 – Budget Manager Account Whole Balance 0.25% p.a.
S3 – Christmas Club Account
Whole Balance 2.25% p.a.
S5 – Pension Maximiser (Deeming) Whole Balance 2.75% p.a.
S6 – Insurance Saver Account
$0 to $499
$500 to $20,000
$20,001 to $50,000
$50,001 or more
0.00% p.a.
0.05% p.a.
0.10% p.a.
0.20% p.a.
S8– Online SuperSaver Account+ $0 to $499
$500 to $5,000
$5,001 or more
0.00% p.a.
1.00% p.a.
3.00% p.a.
S10 – Savings Plus Account $0 to $499
$500 to $2,000
$2,001 to $10,000
$10,001 to $30,000
$30,001 or more
0.05% p.a.
1.00% p.a.
1.50% p.a.
2.00% p.a.
2.50% p.a.
S11 – Safeguard Account $0 to $499
$500 to $20,000
$20,001 to $50,000
$50,001 or more
0.00% p.a.
0.05% p.a.
0.10% p.a.
0.20% p.a.
S15 – Market Linked Account
Fluctuates in accordance with weekly money market trends. A minimum of $5,000 to be maintained
[Note: $0 to $4,999 at 0.50%]
Call 131 PCU (131 728) to obtain current interest rate
S16 – First Home Saver Account

$0 to $499 - Pre-tax 0.50% p.a. After 15% tax 0.43% p.a.
$500 or more - Pre-tax 3.00% p.a. After 15% tax 2.55% p.a.


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Investment Deposits (1)
Interest Paid at Maturity
I1 – 3 months $1,000 to $9,999 3.05% p.a.
I5 – 3 months $10,000 or more 3.25% p.a.
I25 – 6 months $10,000 or more 4.00% p.a.
I12 – 12 months
$10,000 or more
3.85% p.a.
Interest Paid Every Six Months
I29 – 24 months $10,000 or more 4.75% p.a.
I31 – 36 months $10,000 or more 4.75% p.a.
I32 – 48 months $10,000 or more 5.00% p.a.
I33 – 60 months $10,000 or more 6.10% p.a.
Interest Paid Every Month
I2 – 3 months $1,000 to $9,999 2.80% p.a.
I3 – 3 months $10,000 or more 3.00% p.a.
I10 – 6 months
$10,000 or more 3.75% p.a.
I24 – 12 months $10,000 or more 3.60% p.a.
I52 – 24 months $10,000 or more 4.50% p.a.
I53 – 36 months $10,000 or more 4.50% p.a.
I54 – 48 months $10,000 or more 4.75% p.a.
I55 – 60 months $10,000 or more 5.85% p.a.

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Edvest Savings (1) (these rates only available to members of the Edvest Service)
S21 – Redifund Plus

Plus bonus rate on market linked rate.
A minimum of $5,000 to be maintained at all times.
[Note: $0 to $4,999 at 0.50%]

Call 131 PCU (131 728) to obtain current interest rate

Edvest Investment Deposits (1) (these rates only available to members of the Edvest Service)
Maturity Incentive (interest at maturity)
I4 – 3 months
$10,000 or more 3.40% p.a.
Regular Income Plus (interest paid fortnightly)
I45 – 6 months $5,000 or more 3.90% p.a.
I46 – 12 months $5,000 or more 3.75% p.a.
I47 – 18 months $5,000 or more 3.75% p.a.
I48 – 24 months
$5,000 or more 4.65% p.a.
I49 – 36 months $5,000 or more 4.65% p.a.
Deferred Interest Plus (interest at maturity)
I51 – 3 months
$1,000 or more 3.20% p.a.
I23 – 6 months $1,000 or more 4.15% p.a.
I22 - 12 months $1,000 or more 4.00% p.a.
Interest Paid Six Monthly
I58 - 24 months $10,000 or more 4.90% p.a.
Penalty rate for early redemption is 2.25% p.a.
Special Offer Term Deposit
 
I60 - 2 months (interest paid at maturity) $20,000 or more 3.60% p.a.
I36 - 3 years (interest paid every 6 months) $20,000 or more 4.75% p.a.

Amounts over $200,000 are accepted subject to confirmation.

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To download a Comparison Rate Schedule, click here

Consumer Loans
Product

Description Interest Rate Comparison Rate*
S1 – Easy Access Overdraft(4)

Unsecured Overdraft on S1 Easy Access Account
12.25% p.a. N/A
S14 - Visa Credit Card(4) Unsecured Credit Card 10.96% p.a. N/A
L9 – Personal Loan (unregulated)(2)
Non-consumer loan
12.96% p.a. 13.53%
L9 – Personal Loan (regulated)(2)
Available for all worthwhile purposes
12.96% p.a. 13.53%
L9 – Driveaway Car Loan(2)
For new & used cars up to 5 years old
10.49% p.a. 11.05%
L9 – Greenrate Car Loan(8)
For new & used cars up to 3 years old with greenhouse rating 6.0 or higher 9.69% p.a. 9.91% p.a.***

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Home Loans
Product

Interest Rate Comparison Rate**
L26 Premium Variable Home Loan(3) 5.75% p.a. 5.84%
L26-S26 Balance Offset Home Loan(3) 5.75% p.a. 5.84%
S28/29 Equity Maximiser Home Loan(4)+

5.85% p.a.

N/A

L26 Bridging Loan(3) 6.60% p.a.
6.72%
L26 Interest Only Home Loan(3) 5.75% p.a.
5.84%
L26 – Fixed Rate Home Loan(5) 3 years fixed @ 6.30% p.a. then at our standard variable rate, currently 5.75% p.a 5.99%
L10 - Retirement Lifestyle Loan(7) 6.55% p.a. 6.72% p.a.
L25 - Police Value Home Loan(6)+ 5.60% p.a. 5.65% p.a.
L25 - Police Value Fixed Rate Home Loan(9)+ 3 years fixed @ 6.30% p.a. then reverts to Police Value variable rate, currently 5.60% p.a 5.85% p.a.
S1 – Mortgage Reward Overdraft(4)
(Is not available to new borrowers)

6.75% p.a.

N/A
N/A


* Based on $10,000 over 3 years (secured or unsecured)
** Based on $150,000 over 25 years
*** Based on $20,000 over 4 years
+ Products that do not contribute to Member Rewards.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Comparison Rates Schedules are available at our Branches and on our website.

(1) Applicable as at 14/04/09 for (S) and 16/06/09 for (I) type accounts. Full terms and conditions available on application. Fees and charges apply. Interest rates for (S) and (I) type accounts are subject to change without notice.
(2) Rates applicable as at 24/04/09 for new business. Applicable as at 20/05/09 for existing Members. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(3) Rates applicable as at 24/04/09 for new business. Applicable as at 20/05/09 for existing Members. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(4) New rate applicable from 01/06/09. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(5) Rates applicable as at 15/06/09 for new business. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(6)
Rates applicable as at 15/06/09 for new business. Police Value Home Loan only available to current serving Police who are members of the Police Association and AFPA. Fees and charges and lending criteria apply. Full terms and conditions are available on application.
(7) Rates applicable as at 06/02/09 for new business. Applicable to existing business from 25/02/09. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(8) Applicable as at 17/07/08. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(9) Rates applicable as at 06/02/09 for new business. Police Value Home Loan only available to current serving Police who are members of the Police Association and AFPA. Fees and charges and lending criteria apply.

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