3-Year Fixed Home Loan Package Principal and Interest
Our 3 year Fixed Home Loan Package is perfect if you have a strict budget as you’ll know exactly what your repayments will be. The Credit Union SA Fixed Home Loan Package offers a fantastic collection of benefits across our Home Loans, Visa Credit Card, Personal Loans, Term Deposits and more. You pay an annual fee of $395.
- From (owner occupied)
- 6.84%
- 6.82% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 3 years | 6.84% | 6.82% | — |
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 3 years | 6.74% | 6.96% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application fee When you apply for a home loan linked to a home loan package | Upfront | $0.00 |
| Increase an existing home loan package When you apply to increase an existing loan linked to a home loan package | Event | $0.00 |
| Annual fee Charged Payable annually in advance for each year a Home Loan Package is mantained | Ongoing | $395.00 |
| Settlement fee Payable when a new loan is funded or our representative attends settlement | Upfront | $0.00 |
| Split Loan Fee Payable when you want to divide your total home loan amount into separate loan accounts. $150 for the first split plus $100 per split thereafter on same security for all home loan types | Event | $150.00 |
| Split Loan Fee Payable when you want to divide your total home loan amount into separate loan accounts. $150 for the first split plus $100 per split thereafter on same security for all home loan types | Event | $100.00 |
Features
- No loan application or monthly fee
- Redraw facility
- Guarantor supported
- Extra repayments
- Allowed up to $10,000 per year
- Split Loans are available with eligible products
Eligibility
- Minimum age — 18 years
- Residency status — Australian citizen or permanent resident
Constraints
- Opening balance — $150,000.00
- Maximum LVR — 97%
Bundles
3-Year Fixed Home Loan Package Principal and Interest
Benefits of bundling the Variable Home Loan Package include, a reduction of 0.50% pa off carded rates for all fixed and variable personal loans and an additional 0.25% pa on carded term investment rates for amounts up to $250,000. Annual fee of $395 applies to all package home loans. No application fee for the Green Loan and reduced rate.
More Information
Published by Credit Union SA under the Consumer Data Right · Last updated 28 June 2026 · Product ID CREDITUNIONSA_HL_442F3 · View on CDR.gov.au · View Source Data (JSON)