---
title: "2-Year Fixed Rate Home Loan Interest Only — 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_443F2_IO
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-20T00:00:00.000+10:00
---

# 2-Year Fixed Rate Home Loan Interest Only — 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 2 year Fixed Rate Home Loan is perfect if you have a strict budget as you’ll know exactly what your repayments will be. Plus you pay no monthly.

## At a glance

- **From (investment):** 7.39% (7.52% 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 — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years | 7.69% | 7.38% | — |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years | 7.39% | 7.52% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Increase an existing fixed rate home loan — When you apply to increase an existing standard variable rate or fixed rate home loan | Event | $300.00 |
| 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 |
| Guarantor Application Fee — Payable whenever we prepare guarantee documents for a loan. | Event | $200.00 |
| Increase an existing fixed rate home loan — When you apply to increase an existing standard varible rate or fixed rate home loan | Event | $300.00 |
| Rate Lock Fee — The higher of $600 or 0.15% of the loan amount, payable if you choose to lock in your interest rate on a fixed rate loan for up to 90 days prior to the funding of your loan | Event | $600.00 |
| Increase an existing fixed rate home loan — When you apply to increase an existing standard varible rate or fixed rate home loan | Event | $300.00 |

## Features

- **Redraw facility**
- **Extra repayments** (Allowed up to $10,000 per year)
- **Guarantor supported**
- **Digital banking**
- **Split Loans are available with eligible products**

## Eligibility

- **Minimum age** — 18 years
- **Residency status** — Australian citizen or permanent resident

## Constraints

- **Opening balance** — $20,000.00
- **Maximum LVR** — 80%

## More information from Credit Union SA

- [Overview](https://www.creditunionsa.com.au/loans/home-loans/fixed-rate-home-loans/)
- [Terms & conditions](https://www.creditunionsa.com.au/loans/home-loans/fixed-rate-home-loans/)
- [Eligibility](https://www.creditunionsa.com.au/loans/home-loans/fixed-rate-home-loans/)
- [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_443F2_IO`
- Last updated by the provider: 19 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/credit-union-sa/CREDITUNIONSA_HL_443F2_IO
- 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_443F2_IO) — 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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