Interest Rates
Savings Accounts (1)
S1 – Easy Access Account
| $0 to $499 $500 to $20,000 $20,001 to $50,000 $50,001 or more |
S2 – Budget Manager Account
| Whole Balance |
S3 – Christmas Club Account
| Whole Balance |
S5 – Pension Maximiser (Deeming)
| Whole Balance |
S6 – Insurance Saver Account
| $0 to $499 $500 to $20,000 $20,001 to $50,000 $50,001 or more |
S8– Online SuperSaver Account+
| $0 to $499 $500 to $5,000 $5,001 or more |
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 |
S11 – Safeguard Account
| $0 to $499 $500 to $20,000 $20,001 to $50,000 $50,001 or more |
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 After 15% tax $500 or more – Pre-tax After 15% tax |
S23 – Bonus Saver Account
| $0 to $499 $500 to $10,000 $10,001 or more Bonus Rate |
S24 – Dynamo Children’s Savings Account
| $0 to $499 $500 or more Bonus Rate |
Bonus rates are paid on top of standard rates if monthly criteria are met.
Home Loans
L26 Premium Variable Home Loan(3)
L26-S26 Balance Offset Home Loan(3)
S28/29 Equity Maximiser Home Loan(4)+
L26 Bridging Loan(3) – Existing Loans
L26 Bridging Loan(3) – New Business
L26 Interest Only Home Loan(13)
L26 – Fixed Rate Home Loan(5)
| 3 years fixed @ then at our standard variable rate, currently |
L26 – Fixed Rate Home Loan(9)
| 5 years fixed @ then at our standard variable rate, currently |
L10 – Retirement Lifestyle Loan(7)
L23 – Police Value Home Loan(6)
L23 – Police Value Fixed Rate Home Loan(10)
| 3 years fixed @ then reverts to Police Value variable rate, currently |
L23 – Police Value Fixed Rate Home Loan(11)
| 5 years fixed @ then reverts to Police Value variable rate, currently |
S1 – Mortgage Reward Overdraft(4)
(Is not available to new borrowers) |
L22 – OneChoice Home Loan(12)
| 24 Months Fixed @ then reverts to OneChoice standard variable rate currently |
Term Deposits (1)
Interest Paid at Maturity
| I1 – 3 months I5 – 3 months I25 – 6 months I12 – 12 months |
$1,000 to $9,999 $10,000 or more $10,000 or more $10,000 or more |
Interest Paid Every Six Months
| I29 – 24 months I31 – 36 months I32 – 48 months I33 – 60 months |
$10,000 or more $10,000 or more $10,000 or more $10,000 or more |
Interest Paid Every Month
| I2 – 3 months I3 – 3 months I10 – 6 months I24 – 12 months I52 – 24 months I53 – 36 months I54 – 48 months I55 – 60 months |
$1,000 to $9,999 $10,000 or more $10,000 or more $10,000 or more $10,000 or more $10,000 or more $10,000 or more $10,000 or more |
Reduced rate for early redemption is 2.25% P.A.
Amounts over $200,000 are accepted subject to confirmation.
Consumer Loans
S1 – Easy Access Overdraft(4)
| Description Unsecured Overdraft on S1 Easy Access Account |
Interest Rate |
S14 – Visa Credit Card(4)
| Description Unsecured Credit Card |
Interest Rate |
L9 – Personal Loan (regulated)(2)
| Description Available for all worthwhile purposes |
Interest Rate |
L9 – Driveaway Car Loan
| Description For new & used cars up to 5 years old |
Interest Rate Variable(2) Fixed(14) |
L9 – Greenrate Car Loan(8)
| Description For new & used cars up to 3 years old with greenhouse rating 6.0 or higher |
Interest Rate |
EDVEST Term Deposits
(only available to members of the Edvest Service)
Maturity Incentive (interest at maturity)
| Product I4 – 3 months |
Amount $10,000 or more |
Interest Rate |
Regular Income Plus (interest paid fortnightly)
| Product I45 – 6 months I46 – 12 months I47 – 18 months I48 – 24 months I49 – 36 months |
Amount $5,000 or more $5,000 or more $5,000 or more $5,000 or more $5,000 or more |
Interest Rate |
Deferred Interest Plus (interest at maturity)
| Product I51 – 3 months I23 – 6 months I22 – 12 months |
Amount $1,000 or more $1,000 or more $1,000 or more |
Interest Rate |
Interest Paid Six Monthly
| Product I58 – 24 months |
Amount $10,000 or more |
Interest Rate |
Reduced rate for early redemption is 2.25% P.A.
Amounts over $200,000 are accepted subject to confirmation.
Edvest Savings Accounts
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 |
Special Offer Term Deposits
| Product I62 – 4 months |
Amount $20,000 or more |
Interest Rate |
Reduced rate for early redemption is 2.25% P.A.
Amounts over $200,000 are accepted subject to confirmation.
Terms and Conditions
Ref:
+ Products that do not contribute to Member Rewards. See Member Rewards for full terms and conditions.
(1) Applicable as at for (S) and 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 for new business. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(3) Rates applicable as at for new business. Applicable as at for existing Members. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(4) New rate applicable from . Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(5) Rates applicable as at for new business. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(6) Rates applicable as at for new business. Applicable as at for existing Members. 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 for new business. Applicable to existing business from . Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(8) Applicable as at . Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(9) Rates applicable as at for new business. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply. Available for principal and interest loans only. No interest only loans.
(10) Rates applicable as at 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. Available for principal and interest loans only. No interest only loans.
(11) Rates applicable as at 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. Available for principal and interest loans only. No interest only loans.
(12) Rates applicable as at for new business. One Choice standard variable rate applicable as at for existing members. Fees and charges and lending criteria apply. Full terms and conditions available on application.
(13) Rates applicable as at for new business. Applicable as at for existing members. Lending criteria apply. Full terms and conditions available on application.
(14) Rates applicable as at for new business. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
