Designed to support you

Planning, expecting or raising a family? Our CUA Hatch products are tailored to help you on your journey – no matter what life stage you’re at.


Baby budgeting & parental leave calculators

Want to know how much your bundle of joy might cost, or how long you can stretch out your parental leave? Try our Hatch calculators.

Baby budget estimator

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Parental leave calculator

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The first year of a baby’s life is full of firsts – like their first smile, first words, and first steps. So why not include a first savings account? To help them save for their future, a CUA Youth eSaver Account provides a generous interest rate of 3.50% p.a. on balances up to $5,000, free online transactions and no monthly fees. Just think, it’s a great way to save for many other firsts – like a car!

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With a Youth eSaver account for babies, you can earn a
maximum interest rate of up to

3.50 %1
p.a.

on balances up to $5,000. You can also enjoy:

  • Free online transactions and no monthly fees
  • Freedom to use the account - earn the same high rates of interest no matter how many deposits or withdrawals you make.

See important information

Eligibility

You must be:

  • Child must be aged under 18 years and be the sole account holder
  • A maximum of one Youth eSaver account per eligible child
  • If under 10 years of age, a parent or guardian must authorise the account opening and be listed as a signatory on the account to transact on behalf of the child. A child under 10 cannot personally transact on the account

To apply

1. Apply via post

Download and print the application form and return via post with certified copies of your ID if you are not a CUA member, and of your child’s birth certificate or passport.

2. Request a call back and our Hatch representative can help you


When you have a baby two incomes often become one, and managing your money becomes a delicate balancing act. Fortunately, with a CUA home loan you can pause your repayments^, either by 100% for 3 months; or 50% of your repayments for 6 months. Allowing you to focus more on what’s really important – spending time with your newest family addition. Plus, let’s not forget the competitive rates and no monthly fees.

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Why choose a CUA home loan?

Apply for a new CUA home loan or switch your existing home loan to CUA and enjoy these benefits:

  • A wide range of home loan options to suit your needs
  • Competitive variable and fixed rates to choose from
  • Multi-account offset options1
  • Free redraw options2
  • No monthly account keeping fees
  • The flexibility to pause repayments after having had the loan with CUA for 6 months

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Already have a home loan with us?

If you've already chosen CUA for your home loan, you can enjoy these benefits simply by filling out our request form below.

  • Pause one of your family’s biggest expenses
  • Take away some of the worry and spend more time at home with your child
  • Choose to pause your full repayment for 3 months or half your repayment for 6 months

Check your eligibility3 including:

  • Your home loan is for your primary place of residence and you're making principal and interest payments
  • You've had your home loan with CUA for at least 6 months
  • Your loan to value ratio does not exceed 90%
  • There has been acceptable conduct on your loan account

Pause your repayments

See important information



Important information about CUA Home Loans and the repayment pause feature:

CUA Home Loans

Loans are issued by Credit Union Australia Ltd ABN 44 087 650 959 AFSL and Australian Credit License 238317 to approved applicants only. Lending criteria, terms, conditions, fees and charges apply. Ask us for details.

1 Offset is not available on all home loan products. You must maintain a minimum balance of $500 in each offset account to obtain the benefit of the offset from that account. Your offset account will not earn any interest.

2 Whilst available on most, free redraw is not available on all home loan products. A $200 minimum withdrawal amount applies for redraws conducted in-branch.

^Pause your Repayments (owner occupier P&I loans only)

Within 12 months of you having or adopting a child, you can apply to us to:

(a) make no repayments on your Loan Contract for 3 consecutive months,

(b) reduce the repayments on your Loan Contract by 50% for 6 consecutive months. If you choose this option and your application is accepted, your repayments will be fixed at 50% of your scheduled repayment as at the date of acceptance of your application regardless of any change in your Annual Percentage Rate during the 6 month period.

("Pause your Repayments").

If approved, the Pause your Repayment option will not take effect until we have accepted and processed your application. The Pause your Repayments period must commence within 12 months of the birth or adoption of your child. We will confirm acceptance of your application in writing.  Prior to the end of your Pause your Repayments period we will let you know your revised repayments.

You can apply to us to Pause your Repayments up to 2 times during the term of your Loan Contract. However, you cannot apply twice within a 12 month period (unless the second application is following the birth or adoption of a further child).

3 To be eligible for Pause your Repayments:

(a) you must have, prior to your application to Pause your Repayments and since your last draw down,  made  principal and interest repayments  for a period of at least 6 continuous months;

(b) you must not have been more than 30 days in arrears at any time during the 6 month period prior to your application to Pause your Repayments;

(c) you must not have a guarantee as Security for your Loan;

(d) unless we agree otherwise, the Annual Percentage Rate applying to your Loan Contract must not be due to roll to a different Annual Percentage Rate (as a result of a Fixed Interest Period ending or otherwise) during the Pause your Repayments period.

(e) at the time of your application to Pause your Repayments, your loan to valuation ratio (LVR) must be no more than 90%;

(f) at the time of your application to Pause your Repayments, the Mortgaged Property must be your principal place of residence;

(g) if we request, you must  provide evidence satisfactory to us  that you have had or adopted a child within 12 months of your application;

(h) your Loan Contract must be an owner occupier home loan, not an investment home loan or business loan; and

(i) at the time of your application to Pause your Repayments, the scheduled repayments under your Loan Contract must not be interest only.

If Lender's Mortgage Insurance applies to your Loan Contract, your application may also be subject to approval by the Lender's Mortgage Insurer.  If the Lender's Mortgage Insurer requires further information from you in order to consider your application, we will let you know. We will be unable to accept your Pause Your Repayments application if it is not approved by the Lender's Mortgage Insurer.

You have the right to notify us, and seek a variation to your Loan Contract, at any time during your loan term if you experience hardship. The above terms and conditions do not restrict that right in any way.

Important information about CUAs Youth eSaver:

Rates current as at 14 Nov 2019 and subject to change.

Your needs and financial circumstances have not been taken into account. Terms and conditions are available on application. Other fees and charges may apply. A General Information, Terms & Conditions brochure and Schedule of Fees are available online or from your local CUA branch. You should read both these documents before deciding whether to purchase this product, issued by CUA.

Deposits up to $250,000 per account holder are guaranteed by the Federal Government under the Financial Claims Scheme.

Interest is calculated daily on whole balances and paid monthly.

1 Rate applies on a stepped basis. Interest paid at 3.50%p.a. on balances up to $5,000, then at 1.00% p.a. on that portion of the balance over $5,000.

Automatically converts to our standard CUA eSaver Plus Account once child turns 18 years old