Variable Rate Home Loans
Fixed Rate Home Loans - Principal and Interest or Interest only
Personal Loans
Car Loans
Citibank Mastercard
Term Deposits
Savings Accounts
Current at 23 July 2008
Variable Rate Home Loan - Principal and Interest
| |
Annual % Rate |
Comparison Rate |
| Principal and Interest |
9.59% p.a. |
9.66% p.a |
| Interest Only |
9.59% p.a. |
9.64% p.a |
The Comparison Rate is based on a $150,000 loan for a 25 year term with monthly repayments.
Fixed Rate Home Loans - Principal and Interest or Interest Only
Competitive fixed home loan interest rates of between 1 and 5 years are available.
For further details either contact us using our Online Enquiry Form, send us an email to
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, or enquire at any of our RegionalOne Branches.
Personal Loans
Security
|
Annual % Rate |
Comparison Rate |
| Fully secured |
13.60% p.a. |
14.68% p.a |
| Unsecured |
15.10% p.a. |
16.19% p.a |
The Comparison Rate is based on a fully secured $10,000 loan for a 3 year term with monthly repayments.
Car Loans
Security
|
Annual % Rate |
Comparison Rate |
| Goods Mortgage (car up to 1 year old) |
9.90% p.a. |
10.96% p.a |
| Goods Mortgage (car 2-4 years old) |
10.40% p.a. |
11.46% p.a |
| Goods Mortgage (car 5-7 years old) |
12.10% p.a. |
13.17% p.a |
| Goods Mortgage (car 8-10 years old) |
13.60% p.a. |
14.68% p.a |
The Comparison Rate is based on a fully secured $10,000 loan for a 3 year term with monthly repayments.
WARNING: Comparison rates above are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Current at 27 March 2008
Citibank MasterCard
Security
|
Annual % Rate |
Comparison Rate |
Unsecured
|
MyCard MasterCard:
19.49% p.a.
Low Rate MasterCard:
11.85% p.a.
PayLite option: 13.45% p.a. (purchases over $500)
|
N/a |
| Balance Transfers |
MyCard MasterCard:
4.90% p.a. for life of the balance transferred
Low Rate MasterCard:
4.9% p.a. for the first six months. 10.85% p.a. ongoing after the first six months.
|
N/a |
Current at 26 August 2008
Term Deposit Interest Rates
| |
3 mths |
4 mths |
6 mths |
8 mths |
9 mths |
12 mths |
24 mths |
Interest Rates
Per Annum: |
|
|
|
|
|
|
|
| $1,000-$4,999 |
3.00% |
3.00% |
4.00% |
4.00% |
5.00% |
6.00% |
7.75% |
| $5,000-$19,999 |
6.75% |
7.65% |
6.85% |
8.10% |
8.25% |
8.00% |
7.75% |
| $20,000-$49,999 |
6.85% |
7.90% |
7.00% |
8.10% |
8.25% |
8.00% |
7.75% |
| $50,000+ |
6.85% |
7.90% |
7.00% |
8.10% |
8.25% |
8.00% |
7.75% |
| Interest Income |
Calculated on a daily basis. The daily interest rate is the annual interest rate divided by 365 (366 in leap year). Interest is paid at the end of the term or annually for terms of 24 months. |
| Early Access |
Available on application |
| Early Access Penalty |
The credit union has the right to reduce the interest paid (refer to our Rewards, Fees & Charges schedule). |
Current at 1 August 2008
Savings Account Interest Rates
|
Master Account
|
|
|
$0 - $999
|
0.00%
|
|
$1,000 - $9,999
|
0.10%
|
|
$10,000 - $19,999
|
0.25%
|
|
$20,000 and over
|
0.50%
|
|
Cash Management Account
|
|
|
$0 - $4,999
|
0.00%
|
|
$5,000 - $19,999
|
4.25%
|
|
$20,000 - $49,999
|
5.50%
|
|
$50,000 - $99,999
|
6.00%
|
|
$100,000 and over
|
6.50%
|
|
NetOne Internet Savings Account
|
7.25%
|
|
Retiree's Account
|
|
|
$0 - $1,999
|
0.50%
|
|
$2,000 - $49,999
|
4.25%
|
|
$50,000 - $99,999
|
5.50%
|
|
$100,000 and over
|
6.50%
|
|
Christmas Club Account
|
2.25%
|
|
Super Saver Account
|
2.25%
|
|
Bonus Saver Account
|
No Bonus Interest
|
With Bonus Interest*
|
|
|
0.10%
|
6.10%
|
*Bonus interest is paid if there are no withdrawals and a minimum of $50.00 deposited during the month.
© RegionalOne Credit Union Limited | ABN
25 087 651 625 | AFSL 239177 | BSB 803 021 
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