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Loan interest rates

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Credit union loan interest rates - Community First Credit Union

Loan interest rates



Select the loan type you are interested in


Personal loans

Personal loans
Interest Rate % p.a.
Comparison Rate % p.a.+
Green Loans


6.12%

p.a (variable)

7.45%

p.a ($10,000 over 3 years)

6.39%

p.a ($30,000 over 5 years)
Personal Best
(unsecured) Variable
Minimum loan $5,000

From

13.49%

p.a. to

17.49%

p.a.

From

14.88%

p.a. to

18.91%

p.a.
($10,000 over 3 years)

Personal Best
(unsecured) Fixed
Minimum loan $5,000

From

13.49%

p.a. to

17.49%

p.a.

From

14.88%

p.a. to

18.91%

p.a.
($10,000 over 3 years)


Car loans

Car loans
Interest Rate % p.a
Comparison Rate % p.a+
New Car Loan (Fixed)
For cars up to 3 years old
Min loan $10,000,
max $60,000


7.99%

p.a.^^

8.76%

p.a ($30,000 over 5 years)
Unsecured personal loan (for cars >3 years old)

From

13.49%

p.a. to

17.49%

p.a.

From

14.88%

p.a. to

18.91%

p.a.
($10,000 over 3 years)

Green car loan


7.99%

p.a (fixed)

8.76%

p.a ($30,000 over 5 years)

Overdrafts

Overdrafts
Interest Rate % p.a
Mortgage Secured (min $10,000, variable)

5.37%

p.a.*

Unsecured (Min $1,000, variable)

14.98%

p.a.


Credit cards

Credit Cards
Interest Rate % p.a
Low rate Visa Credit Card

8.99%

p.a.

McGrath Pink Visa Card

8.99%

p.a.**


Home loans

Home Loans
Interest Rate % p.a
Comparison Rate % p.a+
Honeymoon Home Loan
12 month introductory fixed rate

4.59%

p.a.

4.74%

p.a.

True Basic Home Loan

LVR 80% or less1

4.76%

p.a.

4.35% p.a

4.77%

p.a


4.36% p.a

True Value Variable Home Loan

5.37%

p.a.


5.45%

p.a

True Fixed Home Loan


1 Year

2 Years


3 Years





4.69%

p.a.



4.79%

p.a.



4.89%

p.a.






4.75%

p.a.



4.76%

p.a.



4.79%

p.a.



Accelerator Home Loan
with Accelerator Package

Loans up to $250,000

Loans greater than $250,000




4.57%

p.a



4.47%

p.a






5.03%

p.a



4.75%

p.a




Investment home loans

Investment Home Loans
Interest Rate % p.a
Comparison Rate % p.a+
TrueBasic
(Principal + Interest)

4.76%

p.a

4.84%

p.a

Interest Only Variable Rate

5.37%

p.a.


5.45%

p.a

Interest Only Fixed Rate

1 Year
2 Year
3 Year





4.69%

p.a.


4.79%

p.a.


4.89%

p.a.






4.75%

p.a.


4.76%

p.a.


4.79%

p.a.





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Useful information

Becoming a Member





Our product Conditions of Use are available on this website. You should read and consider these Terms and Conditions when deciding to use any product.

Rates effective as at 21/05/15 and subject to change without notice. Terms and conditions, fees and charges apply - details available on application.

The personal loans comparison rates applies only to the example or examples given. The home loan comparison rates applies to home loans of $150,000 over 25 years, except for the Accelerator Package home loans where the loan amounts is either up to $250,000 or over $250,000 and is over 25 years. + WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

** Community First will donate $20 to the McGrath Foundation from the annual fee for each McGrath Pink Visa card. The McGrath Foundation supports McGrath Breast Care Nurses in rural and regional Australia and educates young women to be breast aware. For more information visit www.mcgrathfoundation.com.au

^ Eligibility criteria applies.

^^ Not available for refinances from existing Community First Credit Union car loans.

1Offer starts on 16 April 2015 and is only available on our Basic Variable Home Loan. Apply before 30 June 2015. Offer is only for new money home loan applications funded by 30 September 2015 and can be withdrawn at any time. Minimum loan size is $50,000. Community First Credit Union Limited ABN 80 087 649 938, AFSL/Australian Credit Licence No. 231204.
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