Home Loan Offset Account
Our Home Loan Offset Account offers all the convenient day-to-day banking features you need, but with the huge added advantage of also lowering the amount of interest you pay on your eligible variable rate home loan and no monthly fees.
- Base rate
- 0%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 0% | — | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| Deposit Periodic Where permitted by the account terms and conditions, you can perform unlimited transactions of the following types and we will not charge you a transaction fee: ATM enquiry, ATM transfer, ATM withdrawal, Bank@Post deposit, Bank@Post withdrawal, BPAY payment, branch deposit, branch transfer, branch withdrawal, corporate cheque, direct credit, direct debit, EFTPOS cash withdrawal, EFTPOS purchase, internet banking transfer, overseas ATM enquiry, overseas ATM withdrawal, Member Contact Centre transfer or payment, mobile banking transfer, periodical payment, phone banking transfer, Visa debit cash advance, Visa debit purchase. Not all transaction types are permitted on all accounts. | Ongoing | $0.00 |
| Transaction | Transaction | $0.00 |
| Arrears Payable whenever we send you a letter because you do not make a repayment in full on or before the due date and the default continues for 3 days or more. | Event | $15.00 |
| Overdraft or overlimit fee Payable when you perform a transaction in a currency other than Australian dollars using a Visa card. This fee is included in the AUD amount debited to your account and comprises 2.00% charged by third parties and 1.00% charged by Credit Union SA | Event | $15.00 |
| Currency Conversion Payable when you perform a transaction in a currency other than Australian dollars using a Visa card. This fee is included in the AUD amount debited to your account and comprises 2.00% charged by third parties and 1.00% charged by Credit Union SA |
Features
- Card access — Visa debit card
- Additional cards — Null
- Unlimited transactions
- Digital wallet — Apple Pay
- Digital wallet — Google Pay
- Digital wallet — Garmin Pay
- Digital wallet — Samsung Pay
- Digital banking
Eligibility
- Minimum age — 18 years
More Information
Published by Credit Union SA under the Consumer Data Right · Last updated 28 June 2026 · Product ID CREDITUNIONSA_SAV_141 · View on CDR.gov.au