--- title: "Central West CUL products" description: "Every Central West CUL product published under Australia's Consumer Data Right — rates, fees, features and eligibility." canonical: https://www.cdrcompare.au/brands/central-west-cul source: "CDR Compare" language: en-AU last_updated: 2026-07-01T12:14:07Z --- # Central West CUL products > Every Central West CUL product published under Australia's Consumer Data Right — rates, fees, features and eligibility — on CDR Compare. **Bank** · 43 products Central West CUL is a CDR data holder in banking. Each product below links to a full page with that product's interest rates, comparison rate where published, fees, features, eligibility criteria and constraints, plus a link to apply with Central West CUL. ## Transaction & Savings Accounts (13) Everyday banking and savings accounts. - [S11 Mortgage Offset Account](https://www.cdrcompare.au/brands/central-west-cul/products/Mortgage_Offset_Account) — An Offset home loan allows you to pay off your loan faster by using your savings to reduce the amount of interest you pay. - [S12 Smart](https://www.cdrcompare.au/brands/central-west-cul/products/S12_Smart) — For customers who have a Smart or Premium Smart Variable Rate Home Loan who require a transaction fee free account with the option of a overdraft account - [S10 Cash Management Account](https://www.cdrcompare.au/brands/central-west-cul/products/Cash_Management) — The Cash Management Account is tiered interest structure encourages you to save more, and reach your financial goals sooner. - [S8 E Access Saver Account](https://www.cdrcompare.au/brands/central-west-cul/products/E_Access) — With high interest calculated on your daily balance, and paid monthly, this is the best account for members who want to maximise the interest on their savings. - [S6 Golden Account](https://www.cdrcompare.au/brands/central-west-cul/products/Golden_Account) — Managing your savings in retirement. Designed to suit aged pension recipients - [INVESTMENT SAVINGS](https://www.cdrcompare.au/brands/central-west-cul/products/Investment_Savings) — INVESTMENT SAVINGS - [S5 Community Proud Account](https://www.cdrcompare.au/brands/central-west-cul/products/Community_Proud) — We support our community organisations year-round through the Community Proud Savings Account - an account designed to make it easier for them to manage their finances. - [S4 Christmas Club Account](https://www.cdrcompare.au/brands/central-west-cul/products/Christmas_Account) — Take the pressure out of the most expensive time of year. - [No 2 Deposit Account](https://www.cdrcompare.au/brands/central-west-cul/products/No_2_Deposit_account) — For budgeting and reaching your financial goals - [S2 Budget Savings Account](https://www.cdrcompare.au/brands/central-west-cul/products/S2_Budget_Deposit_Account) — For budgeting and reaching your financial goals - [S1 On Call Account](https://www.cdrcompare.au/brands/central-west-cul/products/On_Call) — Sign up to start your financial journey with Central West Credit Union with our On-Call Account, an everyday access account with the option to add a Visa debit card and Internet Banking. - [S90 Business Smart](https://www.cdrcompare.au/brands/central-west-cul/products/S90_Business) — Transactional Account for Business customers - [S7 Whole of Pay Account](https://www.cdrcompare.au/brands/central-west-cul/products/Whole_of_Pay) — For budgeting and reaching your financial goals. ## Term Deposits (8) Fixed-term savings with locked-in rates. - [$5000+ (18m - 24m) I17](https://www.cdrcompare.au/brands/central-west-cul/products/I17_Fixed_Term_Deposit) — A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time. - [$5000+ (12m - 24m) I15](https://www.cdrcompare.au/brands/central-west-cul/products/I15_Fixed_Term_Deposit) — A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time. - [$5000+ (12m - 24m) I4](https://www.cdrcompare.au/brands/central-west-cul/products/I4_Fixed_Term_Deposit) — A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time. - [$5000+ (6m to <12m) I3](https://www.cdrcompare.au/brands/central-west-cul/products/I3_Fixed_Term_Deposit) — A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time. - [$5000+ (3m to <6m) I6](https://www.cdrcompare.au/brands/central-west-cul/products/I6_Fixed_Term_Deposit) — A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time. - [$500+ (12m to 24m) I5](https://www.cdrcompare.au/brands/central-west-cul/products/I5_Fixed_Term_Deposit) — A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time. - [500+ (6m to <12m) I1](https://www.cdrcompare.au/brands/central-west-cul/products/I1_Fixed_Term_Deposit) — A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time. - [$500+ (3m to <6m) I8](https://www.cdrcompare.au/brands/central-west-cul/products/I8_Fixed_Term_Deposit) — A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time. ## Home Loans (10) Residential mortgages for owner-occupiers and investors. - [Smart Fixed Rate Investment Home Loan 1 Year](https://www.cdrcompare.au/brands/central-west-cul/products/Smart_Fixed_Rate_Investment_Home_Loan_-_1_Year) — For those members who want certainty of repayments - [Smart Fixed Rate Investment Home Loan 2 Years](https://www.cdrcompare.au/brands/central-west-cul/products/Smart_Fixed_Rate_Investment_Home_Loan_2_years) — For those members who want certainty of repayments - [Smart Fixed Rate Home Loan 2 year](https://www.cdrcompare.au/brands/central-west-cul/products/Smart_Fixed_Rate_Home_Loan_2_Years) — for those members who want certainty of repayments - [Smart Fixed Rate Home Loan 1 year](https://www.cdrcompare.au/brands/central-west-cul/products/Smart_Fixed_Rate_Home_Loan_1_Year) — For those members who require certainty of repayments - [Minimiser Home Loan](https://www.cdrcompare.au/brands/central-west-cul/products/Minimiser_Housing_Loan) — Perfect for First Home Buyers - [Smart Home Loan](https://www.cdrcompare.au/brands/central-west-cul/products/Smart_Home_Loan) — Whether you're a first homebuyer, or looking to expand along with your family, our friendly team will work with you to find the loan that best supports your goals. - [Premium Smart Home Loan](https://www.cdrcompare.au/brands/central-west-cul/products/Premium_Smart_Home_Loan) — Perfect for borrowers with equity in their home - [Smart Investment Home Loan](https://www.cdrcompare.au/brands/central-west-cul/products/Smart_Investment_Home_Loan) — Take advantage of our low rates and personal service to buy your investment property with confidence. - [Mortgage Smart Home Loan - Interest Only](https://www.cdrcompare.au/brands/central-west-cul/products/Smart_Home_Loan_-_Interest_only) — Interest Only - H/Loan - [Mortgage Equity Loan](https://www.cdrcompare.au/brands/central-west-cul/products/Mortgage_Equity_Loan) — Mortgage Equity Loan ## Personal Loans (5) Unsecured and secured personal lending. - [Classic Car Loan - Used Vehicle no more than 7 years old](https://www.cdrcompare.au/brands/central-west-cul/products/Classic_Car_Loan_-_Secured_by_a_vehicle_no_more_than_7_years_old) — Includes Cars, Boats, Caravans & Motorbikes - [Classic Car Loan - New Vehicle](https://www.cdrcompare.au/brands/central-west-cul/products/Classic_Car_Loan_-_Secured_by_new_vehicle) — Includes cars, boats, caravans and motorbikes - [Set-Off Loan](https://www.cdrcompare.au/brands/central-west-cul/products/Set-Off_Loan) — We want to help our members meet their goals, no matter what they are - [Premium Personal Loan](https://www.cdrcompare.au/brands/central-west-cul/products/Premium_Personal_Loan) — Whether you're looking to take a holiday, renovate your home or you want to consolidate debt, we could help you with a CWCU Variable Rate Personal Loan - [Personal Loan](https://www.cdrcompare.au/brands/central-west-cul/products/Personal_Loan) — Whether you're looking to take a holiday, renovate your home or you want to consolidate debt, we could help you with a CWCU Variable Rate Personal Loan ## Business Loans (5) Lending for businesses of all sizes. - [Business Mortgage Loan](https://www.cdrcompare.au/brands/central-west-cul/products/Mortgage_Loan_Business) — Loans for business purposes - [Investment Property Loan (non residential)](https://www.cdrcompare.au/brands/central-west-cul/products/Investment_Property_(Non_Residential)) — For customers who want to purchase commercial premises for investment purposes - [Business Car Loan - Used Vehicle 1 to 7 years old](https://www.cdrcompare.au/brands/central-west-cul/products/Classic_Car_loan_-_Used_vehicles_no_more_than_7_years_old) — Loans for Business purposes - [Business Car Loan - New Vehicle](https://www.cdrcompare.au/brands/central-west-cul/products/Business_Car_Loan_-_New_Vehicle) — Loans for Business purposes - [Business Loan](https://www.cdrcompare.au/brands/central-west-cul/products/L95_Personal_loan_business) — Loans for Business purposes ## Overdrafts (2) Linked credit facilities on transaction accounts. - [S18 Smart Plus (secured by mortgage over residential property)](https://www.cdrcompare.au/brands/central-west-cul/products/S18_Smart_Plus) — For customers who have a Smart or Premium Smart Variable Rate Home Loan who require a overdraft on their transaction account - [Visa Access Account](https://www.cdrcompare.au/brands/central-west-cul/products/Visa_Access) — Even out those peaks and troughs in your monthly budget with a safety net overdraft. ## Data provenance - Data published by Central West CUL under the Consumer Data Right - ABN 67087649885 - CDR Register entry updated: 1 July 2026 - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000278 - Provider Product Reference Data endpoint: https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products --- Source: [CDR Compare](https://www.cdrcompare.au/brands/central-west-cul) — product data published by Australian data holders under the Consumer Data Right. 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