---
title: "3-Year Fixed XL Home Loan Package — 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_449F3
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-20T00:00:00.000+10:00
---

# 3-Year Fixed XL Home Loan Package — 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 3 year Fixed Home Loan Package is perfect if you have a strict budget as you’ll know exactly what your repayments will be. XL Fixed Package Home Loans are available for 31 to 40 years, for properties located in South Australia. Lending criteria applies and a suitability assessment will be complated as part of the application process. Plus you pay no monthly or redraw fees. 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.

## At a glance

- **From (owner occupied):** 5.99% (7.06% 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

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 3 years | 5.99% | 7.06% | — |
| Fixed · 3 years | 7.04% | 7.36% | — |

## 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 |
| Guarantor Application Fee — Payable whenever we prepare guarantee documents for a loan. | Event | $200.00 |
| 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 |

## Features

- **No loan application or monthly fee**
- **Extra repayments** (Allowed up to $10,000 per year)
- **Redraw facility**
- **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** — $150,000.00
- **Maximum LVR** — 97%

## Bundles

- **3-Year Fixed XL Home Loan Package** — 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/xl-hl)
- [Terms & conditions](https://www.creditunionsa.com.au/globalassets/pdfs/brc_1035.pdf)
- [Eligibility](https://www.creditunionsa.com.au/xl-hl)
- [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_449F3`
- Last updated by the provider: 19 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/credit-union-sa/CREDITUNIONSA_HL_449F3
- 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_449F3) — 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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