---
title: "Variable Home Loan Package Specials — Credit Union SA"
description: "Home Loans from Credit Union SA. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/credit-union-sa/products/CREDITUNIONSA_HL_442VS%3C60
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-20T00:00:00.000+10:00
---

# Variable Home Loan Package Specials — Credit Union SA

> Home Loans from Credit Union SA. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

Our Variable Home Loan Package Special Offer is ideal for those seeking significant flexibility. The Credit Union SA Variable 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 and in return you’ll save an absolute bundle.

## At a glance

- **From (owner occupied):** 6.04% (6.41% comparison)

## Apply

Applications are handled by the provider: [Apply at Credit Union SA](https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=joint-home-loan)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.04% | 6.41% | — |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.24% | 6.61% | — |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.49% | 7.24% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Annual fee — Charged Payable annually in advance for each year a Home Loan Package is mantained | Ongoing | $395.00 |
| Split Loan Fee | Event | $150.00 |
| Split Loan Fee | Event | $100.00 |
| Security Handling Fee | Event | $150.00 |
| In Person Settlement Fee | Event | $0.00 |
| Solicitor Fee | Event | $0.00 – $999,999,999.99 |
| Renegotiation Fee | Event | $0.00 |

## Features

- **No loan application or monthly fee**
- **Redraw facility**
- **Offset account**
- **Unlimited fee-free additional repayments**
- **Digital banking**
- **Extra repayments**
- **Guarantor supported**
- **Split Loans are available with eligible products**

## Eligibility

- **Minimum age** — 18 years

## Constraints

- **Maximum LVR** — 60%
- **Opening balance** — $150,000.00

## Bundles

- **Variable Home Loan Package Specials** — 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 from Credit Union SA

- [Overview](https://www.creditunionsa.com.au/loans/home-loans/home-loan-package/)
- [Terms & conditions](https://www.creditunionsa.com.au/globalassets/pdfs/brc_1035.pdf)
- [Eligibility](https://www.creditunionsa.com.au/loans/home-loans/home-loan-package/)
- [Fees & pricing](https://cms.creditunionsa.com.au/assets/documents/BRC_1062-HL-int-rates.pdf)

## Data provenance

- Published by Credit Union SA under the Consumer Data Right
- Product ID: `CREDITUNIONSA_HL_442VS<60`
- Last updated by the provider: 19 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/credit-union-sa/CREDITUNIONSA_HL_442VS%3C60
- Provider page: https://www.cdrcompare.au/brands/credit-union-sa
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000131

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/credit-union-sa/products/CREDITUNIONSA_HL_442VS%3C60) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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