Rates & Fees

Terms & Conditions

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Fees & Charges

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Interest Rates

Savings Account

Access Account (S1)

Regular Payment Account (S2)

Mortgage Overdraft (S15)

VISA Account (S3^*)

Budget Account (S5^*)

Special Purpose Account (S7^*)

Daily Balance	Interest Rate
$0 plus	0.00% p.a.

Interest calculated on minimum monthly balance and paid monthly.

Pension Plus Account (S12)

Daily Balance	Interest Rate
$0 - $48,600	1.25% p.a.
$48,600 plus	2.75% p.a.

Interest is calculated daily on the portion of the balance in each tier at the applicable interest rate and paid monthly.

Bonus Saver Account (S13)

Daily Balance	Rate Type	Interest Rate
$1 plus	Base Rate	0.01% p.a.
	Bonus Rate	1.60% p.a.
	Total	1.61% p.a.

All deposits made to the account receive interest on the balance together with a bonus interest, if these conditions are met: no withdrawals or transfers are made in the month, account not closed during the month and minimum $100 deposit each month by cash, cheque, payroll credit or direct credit.

InetSaver Account (S11) (only available via online or phone banking)

Daily Balance	Interest Rate
$0 -$99,999	0.05% p.a.
$100,000 - $249,000	0.50% p.a.
$250,000 - $499,999	1.00% p.a.
$500,000 plus	2.50% p.a.

Interest is calculated daily on the portion of the balance in each tier at the applicable interest rate and paid monthly.

Reward Me Saver Account (S32)

Daily Balance	Interest Rate
$0 - $19,999	0.00% p.a.
$20,000 plus	0.25% p.a.

Members with minimum monthly balance of $20,000 and above in their account will receive the 0.25% p.a. interest rate on the whole balance of the account and is paid monthly.

Christmas Savings Account (S4) & Young Savers Account (S8^*)

Daily Balance	Interest Rate
$1 plus	0.25% p.a.

Interest calculated on daily balances and paid monthly.

Cash Management Account (S10 & S55)

Daily Balance	Interest Rate
$0 -19,999	0.10% p.a.
$20,000 - $99,999	0.35% p.a.
$100,000 plus	0.75% p.a.

Interest is calculated daily on the portion of the balance in each tier at the applicable interest rate and paid monthly. Deposits available at call after 7 days.

Go Green Savings Account (S18^*)

Daily Balance	Interest Rate
$1 plus	0.00% p.a.

Interest calculated on a daily balance and paid monthly.

Determined Savers Account (S9^*)

Daily Balance	Interest Rate
$1 plus	0.01% p.a.

Interest calculated daily and paid monthly.

Insurance Account (S6) & Union Membership (S14)

Non-interest bearing account

^*No longer offered. Existing accounts only.

Term Deposits

Term available (Minimum $1,000)	Interest paid on maturity or annually^#	Interest paid monthly
5 years	3.00% p.a.	2.95% p.a.
4 years	2.90% p.a.	2.85% p.a.
3 years	2.80% p.a.	2.75% p.a.
2 years special	2.85% p.a.	2.80% p.a.
1 year	2.70% p.a.	2.65% p.a.
9 months	2.60% p.a.	2.55% p.a.
6 months	2.55% p.a.	2.50% p.a.
3 months	2.40% p.a.	2.35% p.a.

^# Term Deposits: These rates apply to retail deposits only. These rates are only offered if the member nominates for interest to be paid on maturity or when the term exceeds one year where interest must be paid annually. Monthly, quarterly and six monthly interest is available with a reduction on the current rate. Where funds are withdrawn from a term deposit account prior to maturity, a reduced rate of 1% interest applies. For terms outside of the advertised rates, call 1300 364 400 or visit your local Service Centre for more details.

Loans

Home and Investment Loans

Owner Occupied Loans

Variable Rate	Principal & Interest		Interest Only
Product	Annual % Rate	Comparison % Rate¹	Annual % Rate	Comparison % Rate¹
Basic Home Loan^*	3.74% p.a.	3.77% p.a.	N/A	N/A
First Home Premium Package	3.59% p.a.	3.62% p.a.	N/A	N/A
Premium Home Loan Package^{^}	4.19% p.a.	4.19% p.a.	4.34% p.a.	4.34% p.a.
Solutions Home Loan Package	4.96% p.a.	4.99% p.a.	5.11% p.a.	5.14% p.a.
Standard Variable (SV)	5.35% p.a.	5.38% p.a.	5.50% p.a.	5.53% p.a.
Construction Loan	N/A	N/A	5.72% p.a.	5.75% p.a.
Equity Line	N/A	N/A	5.84% p.a.	N/A
Bridging Loan	N/A	N/A	6.07% p.a.	6.11% p.a.
Retirees Access Home Loan	6.22% p.a.	N/A	N/A	N/A

Fixed Rate Home Loans^**

	Principal & Interest		Interest Only
Product	Annual % Rate	Comparison % Rate¹	Annual % Rate	Comparison % Rate¹
1 Year Fixed	3.89% p.a.	3.92% p.a.	3.99% p.a.	4.01% p.a.
2 Year Fixed	3.89% p.a.	3.92% p.a.	3.99% p.a.	4.01% p.a.
3 Year Fixed	3.74% p.a.	3.77% p.a.	3.84% p.a.	3.86% p.a.
4 Year Fixed	3.99% p.a.	4.02% p.a.	4.19% p.a.	4.21% p.a.
5 Year Fixed	3.99% p.a.	4.02% p.a.	4.19% p.a.	4.21% p.a.

Property Investor Loans

Variable Rate	Principal & Interest		Interest Only
Product	Annual % Rate	Comparison % Rate¹	Annual % Rate	Comparison % Rate¹
Basic Investor Home Loan^*	4.37% p.a.	4.40% p.a.	N/A	N/A
First Home Premium Package	N/A	N/A	N/A	N/A
Premium Home Loan Package^{^}	4.90% p.a.	4.90% p.a.	5.10% p.a.	5.10% p.a.
Solutions Home Loan Package	5.67% p.a.	5.70% p.a.	5.87% p.a.	5.90% p.a.
Standard Variable (SV)	5.96% p.a.	6.00% p.a.	6.16% p.a.	6.20% p.a.
Construction Loan	N/A	N/A	6.28% p.a.	6.32% p.a.
Equity Line	N/A	N/A	6.30% p.a.	N/A
Bridging Loan	N/A	N/A	6.48% p.a.	6.52% p.a.
Retirees Access Home Loan	N/A	N/A	N/A	N/A

Fixed Rate Home Loans^**

	Principal & Interest		Interest Only
Product	Annual % Rate	Comparison % Rate¹	Annual % Rate	Comparison % Rate¹
1 Year Fixed	4.09% p.a.	4.12% p.a.	4.19% p.a.	4.21% p.a.
2 Year Fixed	4.09% p.a.	4.12% p.a.	4.19% p.a.	4.21% p.a.
3 Year Fixed	3.94% p.a.	3.97% p.a.	4.04% p.a.	4.06% p.a.
4 Year Fixed	4.19% p.a.	4.22% p.a.	4.39% p.a.	4.41% p.a.
5 Year Fixed	4.19% p.a.	4.22% p.a.	4.39% p.a.	4.41% p.a.

Personal Loans and Car Loans

Product	Annual % Rate	Comparison % Rate
Fair Rate Personal Loan
Diamond	5.99% p.a.	6.20% p.a.
Emerald	7.99% p.a.	8.20% p.a.
Sapphire	8.99% p.a.	9.20% p.a.
Ruby	10.99% p.a.	11.21% p.a.
Opal	16.99% p.a.	17.22% p.a.
Fixed Rate Car Loan	5.99% p.a.	6.25% p.a.

Overdrafts and Line of Credit

Product	Interest Rate	Comparison % Rate
Secured Equity Line of Credit	5.72% p.a.	N/A
Unsecured Overdraft	15.50% p.a.	N/A

Eligibility criteria for loans, Terms and Conditions, Fees and Charges apply.

Credit cards

Product	Interest Rate
Platinum Visa Credit Card	18.74% p.a.
Low Rate Visa Credit Card	7.49% p.a.

Eligibility criteria for loans, terms & conditions, fess & charges apply.

^* New loans only, minimum loan amount $100,000. Establishment fee $500. Maximum loan to valuation ratio 80% (Owner Occupied) and 75% (Property Investor). Offset account not available on this product.
Warning: These comparison rates 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.

^ New loans only, minimum loan amount $300,000. Maximum loan to valuation ratio 80% without Lender’s Mortgage Insurance. You must direct your whole pay amount to the Premium Transaction Account each pay day, or deposit a minimum of $2,000 each month, to qualify for ongoing transaction fee exemption. Warning: These comparison rates 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.

**At the end of the fixed rate period the loan will continue as a fixed rate loan for the same period, unless you choose a different fixed rate period or a variable rate product. Offset account not available on this product.

Footnotes:

¹ Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is 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.
² Eligibility criteria, terms & conditions and fees & charges apply. Maximum loan to valuation ratio 80% without Lender’s Mortgage Insurance. You must direct your whole pay amount to the First Home Premium Transaction Account each pay day, or deposit a minimum of $2,000 each month, to qualify for ongoing transaction fee exemption.
³ Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is 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. An Annual Package Fee of $375 will be charged to your Premium Transaction Account on initial funding of your Premium Package Home Loan and on each anniversary of that funding thereafter.
⁴ Eligibility criteria, terms & conditions and fees & charges apply.
⁵ Comparison rate based on unsecured $30,000 loan over 5 years. WARNING: This comparison rate is 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.
⁶ Comparison rate based on secured $30,000 loan over 5 years. WARNING: This comparison rate is 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.
⁷ Interest on purchases. Eligibility criteria, terms & conditions and fees & charges apply.

Terms & Conditions

Fees & Charges

Interest Rates

Access Account (S1)

Regular Payment Account (S2)

Mortgage Overdraft (S15)

VISA Account (S3*)

Budget Account (S5*)

Special Purpose Account (S7*)

Pension Plus Account (S12)

Bonus Saver Account (S13)

InetSaver Account (S11) (only available via online or phone banking)

Reward Me Saver Account (S32)

Christmas Savings Account (S4) & Young Savers Account (S8*)

Cash Management Account (S10 & S55)

Go Green Savings Account (S18*)

Determined Savers Account (S9*)

Insurance Account (S6) & Union Membership (S14)

Home and Investment Loans

Owner Occupied Loans

Fixed Rate Home Loans**

Property Investor Loans

Fixed Rate Home Loans**

Personal Loans and Car Loans

Footnotes:

VISA Account (S3^*)

Budget Account (S5^*)

Special Purpose Account (S7^*)

Christmas Savings Account (S4) & Young Savers Account (S8^*)

Go Green Savings Account (S18^*)

Determined Savers Account (S9^*)

Fixed Rate Home Loans^**

Fixed Rate Home Loans^**