CUA Rate Breaker Package

¹ Package home loan variable rate is 1%p.a. below the average of the advertised standard variable home loan rates of the 4 major banks, reviewed (and adjusted where required) on a monthly basis. Minimum lending with CUA of $250,000. Maximum loan amount applies. Annual package fee payable.

Interest rates are on a per annum basis and are subject to change. Fees, charges, terms & conditions and lending criteria apply. Full details available on application. Comparison rate calculated on a home loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured home loans only. 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.

Rate discount effective 17 May 2013.  

² Fee free withdrawal transactions are limited to the following: rediATM withdrawals, EFTPOS transactions, Member cheque withdrawals, Staff assisted transfers, over the counter cash withdrawals at CUA branches. Please note that while CUA won’t charge you any transaction fees, other ATM owners may directly charge a fee for using their machine. To avoid this, always use a rediATM branded machine. Full details of the fees and charges are available in our Schedule of Fees Accounts and access facilities brochure.

³ Final approval of your MasterCard application will be subject to satisfying Card Services Credit Criteria. The annual fee will not be billed while you remain a CUA Rate Breaker Package customer. The no annual card fee benefit provided under the CUA Rate Breaker Package is not available in conjunction with any other credit card discount or promotional offer. All rewards are subject to the Terms and Conditions of the Card Services Rewards Program. Reward points are not earned on cash advances, special promotions or balance transfers. Reward points never expire while the account remains open and in good standing. ©2012 Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080, AFSL and Australian credit licence 238 098, which provides and administers credit.

⁴ Customers with an existing CGU home and contents policy with CUA can request to have this added to the package and the discount will be applied on policy renewal. Reference to insurance premium amounts for the purpose of calculating the package benefit excludes any stamp duty, GST and other government fees, charges or levies components that are included in the total premium amount paid. CUA acts under its own Australian Financial Services License and under an agreement with the insurer, CGU Insurance Limited ABN 27 004 478 371, AFSL 238291 (CGU). This document contains general information only and may not suit your particular circumstances. Before making decisions about this insurance product you should consider the appropriateness of the information in regards to your circumstances and the Product Disclosure Statement available from any office of CUA or CGU.

⁵ CUA Financial Planning is a fee-for-advice business, and our planners are paid a salary rather than commissions. CUA Financial Planners are representatives of CUA Financial Planning Pty Ltd ABN 60 010 003 853, AFSL No. 221896. CUA Financial Planning is a wholly owned subsidiary of Credit Union Australia Limited.

⁶ One free valuation is permitted under the CUA Rate Breaker Package irrespective of the amount of the valuation. If the free valuation under the Package has already been utilised a member contribution of $200 will be required for any subsequent valuations required (either relating to the same loan or on a new loan). If the valuation cost for any subsequent valuation exceeds $200, the extra valuation cost is payable by you at settlement.