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Our interest rates have been designed with you in mind - our members. We do not inflate rates as we do not have shareholders taking a percentage of our profits. Any profits we make are returned to you through better products, rates and fees. Take a look at our current interest rates below.

  Home Loan Rates (Variable)
  Interest Rate Comparison Rate
Basic Home Loan 5.40% pa 5.42% pa1
Classic Home Loan From 5.05% pa2 From 5.07% pa1
Premium Home Loan From 4.40% pa From 4.56% pa1
Premier Plus Home Loan From 4.30% pa From 4.40% pa3
Lifestyle Home Loan From 5.40% pa From 7.30% pa4
  Home Loan Rates (Fixed)
For Home Loans $250,000 and over Interest Rate Comparison Rate
1 Year Fixed Rate Home Loan 4.31% pa5 4.56% pa1
2 Year Fixed Rate Home Loan 4.43% pa5 4.57% pa1
3 Year Fixed Rate Home Loan 4.60% pa5 4.61% pa1
4 Year Fixed Rate Home Loan 4.80% pa5 4.67% pa1
5 Year Fixed Rate Home Loan 4.96% pa5 4.75% pa1
For Home Loans $150,000 to $249,999 Interest Rate Comparison Rate
1 Year Fixed Rate Home Loan 4.46% pa5 5.13% pa6
2 Year Fixed Rate Home Loan 4.58% pa5 5.10% pa6
3 Year Fixed Rate Home Loan 4.75% pa5 5.10% pa6
4 Year Fixed Rate Home Loan 4.95% pa5  5.13% pa6
5 Year Fixed Rate Home Loan 5.11% pa5 5.17% pa6
For Home Loans $100,000 to $149,999 Interest Rate Comparison Rate
1 Year Fixed Rate Home Loan 4.56% pa5 5.29% pa7
2 Year Fixed Rate Home Loan 4.68% pa5 5.26% pa7
3 Year Fixed Rate Home Loan 4.85% pa5 5.25% pa7
4 Year Fixed Rate Home Loan 5.05% pa5 5.28% pa7
5 Year Fixed Rate Home Loan 5.21% pa5 5.31% pa7

 

Our interest rates have been designed with you in mind - our members. We do not inflate rates as we do not have shareholders taking a percentage of our profits. Any profits we make are returned to you through better products, rates and fees. Take a look at our current interest rates below.

  Investment Rates (Variable)
  Interest Rate Comparison Rate
Basic Investment Loan 6.00% pa 6.02% pa1
Classic Investment Loan 5.65% pa 5.67% pa
Premium Investment Loan 5.00% pa 5.16% pa1
Premier Plus Investment Loan 4.90% pa 5.00% pa3
  Investment Rates (Fixed)
For Home Loans $250,000 and over Interest Rate Comparison Rate
1 Year Fixed Rate Home Loan 4.91% pa5 5.15% pa1
2 Year Fixed Rate Home Loan 5.03% pa5 5.16% pa1
3 Year Fixed Rate Home Loan 5.20% pa5 5.20% pa1
4 Year Fixed Rate Home Loan 5.40% pa5 5.27% pa1
5 Year Fixed Rate Home Loan 5.56% pa5 5.34% pa1
For Home Loans $150,000 to $249,999 Interest Rate Comparison Rate
1 Year Fixed Rate Home Loan 5.06% pa5 5.73% pa6
2 Year Fixed Rate Home Loan 5.18% pa5 5.70% pa6
3 Year Fixed Rate Home Loan 5.35% pa5 5.70% pa6
4 Year Fixed Rate Home Loan 5.55% pa5 5.73% pa6
5 Year Fixed Rate Home Loan 5.71% pa5 5.77% pa6
For Home Loans $100,000 to $149,999 Interest Rate Comparison Rate
1 Year Fixed Rate Home Loan 5.16% pa5 5.89% pa7
2 Year Fixed Rate Home Loan 5.28% pa5 5.86% pa7
3 Year Fixed Rate Home Loan 5.45% pa5 5.85% pa7
4 Year Fixed Rate Home Loan 5.65% pa5 5.88% pa7
5 Year Fixed Rate Home Loan 5.81% pa5 5.91% pa7

  Additional Information:

Please note: Fees and Charges apply. Loans are subject to South West Credit's normal lending criteria.
Rates effective 4th October 2018
WARNING:
Terms and Conditions, Fees and Charges apply and are available on request.
Fixed Interest Rates are indicative only and subject to change prior to settlement.
These comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. A comparison rate schedule is available.
Please note that all interest rates are per annum and they are calculated daily on the outstanding balance and debited to the loan account at the end of each month. South West Credit Union lending criteria applies to all loan types.

1 Comparison Rate is calculated on a loan amount of $250,000 over a term of 25 years

2 Applies to Owner occupied Home Loans only.

3 Comparison rates calculated on a loan amount of $500,000 over a term of 25 years.

4 Comparison Rate is calculated on a loan amount of $20,000 over a term of 5 years.

5 Fixed rates revert to the corresponding product's variable base rate upon expiry of fixed rate term.

6 Comparison rates calculated on a loan amount of $150,000 over a term of 25 years.

7 Comparison rate is calculated on a loan of $100,000 over a term of 25 years.