Interest Rates

Variable Rate Home Loans
Fixed Rate Home Loans - Principal and Interest or Interest only
Personal Loans
Car Loans
Term Deposits
Savings Accounts
 

Current at 14 April 2009

Variable Rate Home Loan - Principal and Interest

	Annual % Rate	Comparison Rate
Rewards Home Loan (Principal & Interest)*	5.35% p.a.	5.35% p.a
Principal and Interest	5.85% p.a.	5.91% p.a
Interest Only	5.85% p.a.	5.89% p.a

The Comparison Rate is based on a $150,000 loan for a 25 year term with monthly repayments.

* Special Conditions Apply

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 This e-mail address is being protected from spam bots, you need JavaScript enabled to view it , or enquire at any of our RegionalOne Branches.

Personal Loans

Security	Annual % Rate	Comparison Rate
Fully secured	10.95% p.a.	11.97% p.a
Unsecured	12.95% p.a.	14.01% 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)	7.95% p.a.	8.97% p.a
Goods Mortgage (car 2-4 years old)	7.95% p.a.	8.97% p.a
Goods Mortgage (car 5-7 years old)	9.95% p.a.	10.98% p.a
Goods Mortgage (car 8-10 years old)	10.95% p.a.	11.97% p.a
Unsecured	12.95% p.a.	14.01% 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 10 June 2009

Term Deposit Interest Rates

	2 mths	3 mths	4 mths	5-8 mths	9-11 mths	12 mths	24 mths
$500-$4,999	0.25%	2.50%	2.50%	2.50%	2.50%	2.50%	3.50%
$5,000-$24,999	2.25%	3.50%	4.00%	3.00%	3.50%	4.00%	5.00%
$25,000-$49,999	2.25%	3.50%	4.00%	3.00%	3.50%	4.00%	5.00%
$50,000+	2.25%	3.50%	4.00%	3.00%	3.50%	4.00%	5.00%
Interest Income	Calculated on the daily balance.  Interest rates quoted are per annum with interest paid on maturity.   Rates for interest paid  6 monthly and monthly on terms of 12 and 24 months are available on application.
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 01 May 2009

Savings Account Interest Rates

Master Account
$0 - $999	0.00%
$1,000 and over	0.01%

 

Cash Management Account
$0 - $4,999	0.00%
$5,000 - $19,999	0.25%
$20,000 - $49,999	1.50%
$50,000 - $99,999	2.00%
$100,000 and over	2.50%

 

NetOne Internet Savings Account

3.25%

 

Retiree's Account
$0 - $1,999	0.05%
$2,000 - $49,999	0.75%
$50,000 - $99,999	2.00%
$100,000 and over	3.00%

 

Christmas Club Account

0.05%

 

Super Saver Account

0.05%

 

Bonus Saver Account	No Bonus Interest	With Bonus Interest*
	0.10%	2.35%

*Bonus interest is paid if there are no withdrawals and a minimum of $50.00 deposited during the month.