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Interest Rates

 


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Everyday Accounts

CUA Everyday Account

This account does not earn interest.

CUA Everyday Youth Account

This account does not earn interest.

CUA Everyday 55+ Account

Conditions: Funds are available on call. Interest is calculated on daily balances and paid monthly. Rate applies on a stepped basis. Interest paid at 0.01%p.a. on balances under $5,000, at 0.85%p.a. on balances from $5,000 to $50,000, and at 2.60%p.a. on the portion of the balance over $50,000.

Account Portion
Rate
Everyday 55+ Account
Under $5,000
0.01%p.a.
$5,000-$50,000
0.85%p.a.
Over $50,000
2.60%p.a.

CUA Everyday Business Account

Conditions: Funds are available on call. Interest is calculated daily on whole balances and paid half-yearly.

All balances earn 0.01% interest.



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Savings & Term Deposits

Term Deposits

Conditions: Minimum investment $5,000. Interest is calculated daily on whole balances. To receive the Platinum Plus Club Member rates mentioned below, the account owner of the term deposit must be either an individual aged 55 years or over, or a Super Fund/Trust, where the Trustee is an individual aged 55 years or over.

Term
Interest in maturity/annually
Interest monthly
Term Deposit rates
1 Month
1.50%p.a.
Not available
2 Month
1.70%p.a.
1.60%p.a.
3 Month
2.10%p.a.
2.00%p.a.
4 Month
2.60%p.a.
2.50%p.a.
5 Month
2.60%p.a.
2.50%p.a.
6 Month
2.60%p.a.
2.50%p.a.
7 Month
2.30%p.a.
2.20%p.a.
8 Month
2.40%p.a.
2.30%p.a.
9 Month
2.75%p.a.
2.65%p.a.
10 Month
2.30%p.a.
2.20%p.a.
11 Month
2.65%p.a.
2.55%p.a.
12 Month
2.70%p.a.
2.60%p.a.
13-23 Month
2.70%p.a.
2.60%p.a.
2 Year
2.80%p.a.
2.70%p.a.
3 Year
2.80%p.a.
2.70%p.a.
4 Year
2.80%p.a.
2.70%p.a.
5 Year
2.80%p.a.
2.70%p.a.
Platinum Plus Club Members (55+)
Platinum Plus Club Members (55+)
1 Year
2.80%p.a.
2.70%p.a.
13-23 Months
2.80%p.a.
2.70%p.a.
2 Year
2.90%p.a.
2.80%p.a.
3 Year
2.90%p.a.
2.80%p.a.
4 Year
2.90%p.a.
2.80%p.a.
5 Year
2.90%p.a.
2.80%p.a.

eSaver Boost Account

Conditions: Bonus interest is applied on top of the base rate if deposits totalling at least $250 and no withdrawals are made in the same whole calendar month. Interest is calculated daily on whole balances and paid monthly. Bonus interest is payable only on balances up to $500,000. The base rate of interest will be paid on the portion of any balance exceeding $500,000.

Rate
eSaver Boost rate
Maximum rate
2.75% p.a.
Base rate
0.25% p.a.
Bonus interest (on balances up to $500,000)<>
2.50% p.a.

CUA eSaver Reward Account

Account balance
Rate
eSaver Reward
Maximum variable interest<<
2.70% p.a.
Base rate
0.05% p.a.
Bonus interest (balances up to $100,000)<<
2.65% p.a.

CUA Youth eSaver Account

Conditions: Interest is calculated on daily balances and paid monthly. Rate applies on a stepped basis. Interest paid at 4.00%p.a. on balances up to $5,000, then at 1.00%p.a. on that portion of the balance over $5,000.

Account portion
Rate
Youth eSaver
$0-$5,000xx
4.00% p.a.
Over $5,000
1.00% p.a.


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Home Loans

All loans are subject to CUA's normal lending policy. Fees and charges apply. Refer to Schedule of Fees brochure. Conditions apply to 'new business only' offers. Interest rates are on a per annum basis and are subject to change.

Housing Finance Owner/Occupier & Residential Investment

Variable Rates

Owner OccupierΔ
InvestorΔ
Interest Rate
Comparison rate*
Interest Rate
Comparison rate*
Achieve Variable
Achieve Variable
(Discount off Reference Rate inclusive)
Principal & Interest repayments 1, 3
3.75%p.a.
3.80%p.a.
4.08%p.a.
4.13%p.a.
Construction Interest only1, 4
3.85%p.a.
3.81%p.a.
4.18%p.a.
4.14%p.a.
Interest Only repayments1, 5
4.15%p.a.
3.87%p.a.
4.43%p.a.
4.28%p.a.
Achieve Variable Reference Rate
Achieve Variable
(Reference Rate)
Principal & Interest repayments
4.75%p.a.
N/A
5.08%p.a.
N/A
Construction Interest only
4.85%p.a.
N/A
5.18%p.a.
N/A
Interest Only repayments
5.15%p.a.
N/A
5.43%p.a.
N/A
Accelerate Variable
Accelerate Variable
Principal & Interest repayments 2, 3
3.79%p.a.
3.84%p.a.
4.22%p.a.
4.27%p.a.
Construction Interest only 2, 6
3.89%p.a.
3.85%p.a.
4.32%p.a.
4.28%p.a.
Interest Only repayments 2, 7
4.29%p.a.
3.93%p.a.
4.57%p.a.
4.42%p.a.
Fresh Start Basic Variable
Fresh Start Basic Variable
Principal & Interest repayments 3, 8
4.32%p.a.
4.33%p.a.
5.08%p.a.
5.13%p.a.
Construction interest only 11, 8
4.32%p.a.
4.33%p.a.
5.08%p.a.
5.13%p.a.
Interest Only repayments 12, 8
4.67%p.a.
4.40%p.a.
5.43%p.a.
5.28%p.a.
Fresh Start Variable
Fresh Start Variable
Principal & Interest repayments 3
4.51%p.a.
4.52%p.a.
5.16%p.a.
5.17%p.a.
Construction interest only 13
4.51%p.a.
4.52%p.a.
5.16%p.a.
5.17%p.a.
Interest Only repayments 14
4.86%p.a.
4.59%p.a.
5.51%p.a.
5.32%p.a.
Equity Line of Credit
Equity Line of Credit
5.56%p.a.
5.56%p.a.

Fixed Rates

Owner OccupierΔ
InvestorΔ
Interest Rate
Comparison rate*
Interest Rate
Comparison rate*
1 Year Premium Fixed
1 Year Premium Fixed
Principal & Interest repayments 15
3.96%p.a.
5.17%p.a.
4.36%p.a.
5.70%p.a.
Interest Only repayments16
4.31%p.a.
5.20%p.a.
4.71%p.a.
5.74%p.a.
Construction Interest Only17
3.96%p.a.
5.17%p.a.
4.36%p.a.
5.70%p.a.
2 Year Premium Fixed
2 Year Premium Fixed
Principal & Interest repayments 15
4.01%p.a.
5.06%p.a.
4.36%p.a.
5.57%p.a.
Interest Only repayments16
4.36%p.a.
5.13%p.a.
4.71%p.a.
5.64%p.a.
3 Year Premium Fixed
3 Year Premium Fixed
Principal & Interest repayments 15
3.99%p.a.
4.96%p.a.
4.11%p.a.
5.38%p.a.
Interest Only repayments16
N/A%p.a.
N/A%p.a.
4.26%p.a.
5.42%p.a.
5 Year Premium Fixed
5 Year Premium Fixed
Principal & Interest repayments 15
4.40%p.a.
4.94%p.a.
4.86%p.a.
5.45%p.a.
Interest Only repayments16
N/A%p.a.
N/A%p.a.
5.21%p.a.
5.60%p.a.
1 Year Fixed
1 Year Fixed
Principal & Interest repayments 15
3.84%p.a.
5.16%p.a.
4.24%p.a.
5.69%p.a.
Interest Only repayments16
4.19%p.a.
5.19%p.a.
4.59%p.a.
5.73%p.a.
Construction Interest Only17
3.84%p.a.
5.16%p.a.
4.24%p.a.
5.69%p.a.
2 Year Fixed
2 Year Fixed
Principal & Interest repayments 15
3.89%p.a.
5.04%p.a.
4.24%p.a.
5.55%p.a.
Interest Only repayments16
4.24%p.a.
5.11%p.a.
4.59%p.a.
5.61%p.a.
3 Year Fixed
3 Year Fixed
Principal & Interest repayments 15
3.87%p.a.
4.92%p.a.
3.99%p.a.
5.35%p.a.
Interest Only repayments16
N/A%p.a.
N/A%p.a.
4.14%p.a.
5.39%p.a.
5 Year Fixed
5 Year Fixed
Principal & Interest repayments 15
4.28%p.a.
4.89%p.a.
4.74%p.a.
5.40%p.a.
Interest Only repayments16
N/A%p.a.
N/A%p.a.
5.09%p.a.
5.55%p.a.
Home Loan Important information Home Loan Important information Show content

* Comparison rate calculated on a $150,000 secured loan over a term of 25 years based on monthly repayments. 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.

Δ Maximum Loan to Value Ratio (LVR) is inclusive of Lenders Mortgage Insurance (LMI) where applicable. Maximums based on standard security. Lower LVR limits apply for non-standard security types.

# On expiration of the fixed period, loan reverts to the relevant Standard Variable Principal & Interest repayment rate.

1 Achieve Variable is available to new to CUA home loans only. Minimum loan amount $100,000. Not available for switching or restructuring of existing CUA home loans or to applicants for another CUA home loan fully approved prior to 7/11/2018. Maximum LVR limits apply based on standard security types. Published interest rates and discounts available and applicable to home loans submitted on or after 7/11/2018. Interest rates and discounts may vary by loan purpose (owner occupied and investment) and by repayment type (principal and interest, interest only and construction loans). The discounts specified in your loan contract will not change for the life of the loan provided you do not vary your loan contract. If you vary your loan (for example, changing the loan purpose or repayment type), the rates and discounts may change.

2 Available to new loans of $100,000 or more. Maximum LVR limits apply based on standard security types. New loans only. Offers not available for switching of existing CUA home loans or to applicants for another CUA home loan fully approved prior to 04/07/2018. Rates vary by repayment type (principal and interest vs interest only) and construction loans.

3 Principal and interest (P&I) repayments only. Not available for construction purposes.

4 Payments are made on an interest only basis for first 12 months. After 12 months loan will revert to the relevant Achieve Variable P&I repayments rate reflecting the discount specified in your loan contract. Comparison rate based on a 12 month interest only period and P&I for balance of the term.

5 Maximum interest only period of 24 months for owner-occupier and 60 months for investor lending subject to credit assessment. At expiry of the interest only period loan will revert to the relevant Achieve Variable P&I repayments rate reflecting the discount specified in your loan contract. Comparison rates based on a 24 and 60 month interest only period respectively and P&I for balance of the term.

6 Payments are made on an interest only basis for first 12 months. After 12 months loan will revert to the relevant Accelerate Variable P&I repayments rate. Comparison rate based on a 12 month interest only period and P&I for balance of the term.

7 Maximum interest only period of 24 months for owner-occupier and 60 months for investor lending subject to credit assessment. At expiry of the interest only period loan will revert to the relevant Accelerate Variable P&I repayments rate. Comparison rates based on a 24 and 60 month interest only period respectively and P&I for balance of the term.

8 Loan Establishment fee of $600 waived for new Fresh Start Basic Variable Owner Occupier applications applied from 18 Jul 2017 until offer withdrawn. Security administration fee and other fees may apply.

11 Payments are made on an interest only basis for first 12 months. After 12 months loan will revert to the relevant Fresh Start Basic Variable P&I repayments rate. Comparison rate based on a 12 month interest only period and P&I for balance of the term.

12 Maximum interest only period of 24 months for owner-occupier and 60 months for investor lending subject to credit assessment. At expiry of the interest only period loan will revert to the relevant Fresh Start Basic Variable P&I repayments rate. Comparison rates based on a 24 and 60 month interest only period respectively and P&I for balance of the term.

13 Payments are made on an interest only basis for first 12 months. After 12 months loan will revert to the relevant Fresh Start Variable P&I repayments rate. Comparison rate based on a 12 month interest only period and P&I for balance of the term.

14 Maximum interest only period of 24 months for owner-occupier and 60 months for investor lending subject to credit assessment. At expiry of the interest only period loan will revert to the relevant Fresh Start Variable P&I repayments rate. Comparison rates based on a 24 and 60 month interest only period respectively and P&I for balance of the term.

15 Principal and interest (P&I) repayments only. Not available for construction purposes.

16 Maximum interest only period of 24 months for owner-occupier and 60 months for investor lending subject to credit assessment. Interest Only period must align to the fixed rate period. At expiry of the interest only period loan will revert to the relevant Standard Variable P&I repayments rate. Comparison rates based on interest only for the fixed term and relevant P&I for balance of the term.

17 Payments are made on an interest only basis for first 12 months. After 12 months loan will revert to the relevant Standard Variable P&I repayments rate. Comparison rate based on a 12 month interest only period and relevant P&I for balance of the term.



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Personal Loans

All purpose loans
Interest rate
Comparison rate
Under $30,000
Under $30,000
Unsecured Variable Personal Loan
11.89%p.a.
11.89%p.a. ****
Unsecured Fixed Personal Loan
11.99%p.a.
11.99%p.a. ****
Over $30,000
Over $30,000
Discount Variable Personal Loan
10.89%p.a.
10.89%p.a. ****
Discount Fixed Personal Loan
10.99%p.a.
10.99%p.a. ****
Fixed Rate Car loans
Fixed Rate Car loans
Secured Fixed Car Loan
6.79%p.a.
6.92%p.a. **
Personal Loan Important information Personal Loan Important information Show content

**Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. Rates are for secured 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.

****Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. Rates are for unsecured 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.



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Overdrafts

Product
Rate
Overdrafts
Everyday Overdraft
10.90%p.a.
Just in Case Overdraft
13.50%p.a.


Credit Cards

Credit Cards

Conditions: These interest rates are current as at 7 November 2018 and are subject to change. Fees and charges are payable.

Purchases
Cash
CUA Platinum Credit Card
CUA Platinum Credit Card
19.99%p.a.
21.74%p.a.
CUA Low Rate Credit Card
CUA Low Rate Credit Card
11.99%p.a.
21.74%p.a.


Commercial Finance

Commercial Finance

Loans for purchase of residential and commercial property
Loans for purchase of businesses
Asset purchase/leasing for vehicles, plant & equipment
Interest rates available on request



Closed products

Closed Products

These products are no longer available to new accounts.

Home Loans

Owner OccupierΔ
InvestorΔ
Interest Rate
Interest Rate
CUA Balanced Variable
Balanced Variable
Principal & Interest repayments
3.65%p.a.
4.08%p.a
Construction Interest only
3.75%p.a.
4.18%p.a
Interest Only repayments
4.15%p.a.
4.43%p.a
CUA Advance Variable
Advance Variable
Principal & Interest repayments
3.90%p.a.
N/A
Construction Interest only
4.24%p.a.
N/A
Interest Only repayments
4.49%p.a.
N/A
CUA Kick Start Variable
Kick Start 2 Year Introductory Variable
Principal & Interest repayments
4.12%p.a.
4.40%p.a.
Construction Interest only
4.12%p.a.
4.40%p.a.
Interest Only repayments
4.47%p.a.
4.75%p.a.
CUA Standard Variable
Standard Variable
5.24%p.a.
5.79%p.a.
Discount Variable
Discount Variable
5.04%p.a.
5.59%p.a.
(including 0.20%p.a. loyalty discount)
(including 0.20%p.a. loyalty discount)
CUA Basic Variable
Basic Variable
5.08%p.a.
5.56%p.a.
Fresh Start Access Variable
Fresh Start Access Variable
4.71%p.a.
5.21%p.a.
CUA Rate Breaker Package^
CUA Rate Breaker Package^
4.33%p.a.
4.63%p.a.
(including 1.0% Owner occupier discount)
(including 0.7% Investor discount)

Personal Loans

All purpose loans
Interest rate
Comparison rate
Variable Rate Personal Loan
Variable Rate Personal Loan
12.99%p.a.
12.99%p.a.

Cash Management Account

Conditions: Interest is calculated daily on whole balances and paid monthly.
Account Portion
Rate
Cash Management Account rates
$0 - $4,999
0.01%p.a.
$5,000 - $49,999
0.01%p.a.
$50,000 - $99,999
0.20%p.a.
$100,000 - $249,999
0.50%p.a.
$250,000 & over
0.80%p.a.

Christmas Club Account

Conditions: Interest is calculated on a daily basis and paid annually on all balances.
Rate
Christmas Club Account rates
All balances
0.05%p.a.

eSaver Account

Conditions: Interest is calculated daily on whole balances and paid monthly.
Rate
eSaver Account rates
All balances
1.10%p.a.

Boost Saver Account

Includes 1.00%p.a. bonus Conditions: Bonus interest is paid if no debit transactions are made on the account during a calendar month and a deposit of at least $50.00 is made to the account during the same calendar month. Interest is calculated daily on whole balances and paid monthly.
Rate
Boost Saver Account rates
All balances
1.01%p.a.

CUA eSaver Plus Account

Conditions:Bonus interest is applied on top of the base rate if deposits totalling at least $200 and no withdrawals are made in the same whole calendar month. Interest is calculated daily on whole balances and paid monthly. Bonus interest is payable only on balances up to $1,000,000. The base rate of interest will be paid on the portion of any balance exceeding $1,000,000.
Rate
CUA eSaver Plus Account
Maximum rate
2.35%p.a.
Base rate
0.20%p.a.
Bonus interest (on balances up to $1,000,000)
2.15%p.a.

CUA FPI Account

Conditions: Interest is calculated daily on whole balances and paid monthly.
Rate
CUA FPI Account
All balances
1.00%p.a.

CUA Cash Hub

Conditions: Interest is calculated daily on whole balances and paid monthly.
Rate
CUA Cash Hub
All balances
1.00%p.a.

Serious Saver

Conditions: Funds are available on call. Interest is calculated daily on whole balances and paid half-yearly.

All balances earn 0.01% interest.

Prime Access Account

Conditions: Funds are available on call. Interest is calculated daily on whole balances and paid half-yearly.

All balances earn 0.01% interest.

Freedom Plus Account

Conditions: Funds are available on call. Interest is calculated on daily balances and paid half-yearly.

All balances earn 0.01% interest.

Platinum Plus Account

Conditions: Funds are available on call. Interest is calculated daily on whole balances and paid half-yearly.

All balances earn 0.01% interest.

Special Purpose Account

Conditions: Funds are available on call. Interest is calculated daily on whole balances and paid monthly.

All balances earn 0.01% interest.



An explanation of comparison interest rates

On all CUA advertisements for home and personal loans, you will see a 'comparison rate' appearing after the interest rate. A comparison rate is a tool designed to help consumers identify the true cost of a loan.

The comparison rate includes the annual interest rate and the upfront and ongoing fees and charges relating to the loan, expressed as a single percentage figure. For example, an advertisement displaying an interest rate of 5.49% p.a. may have a comparison rate of 6.75% p.a.

Under the National Credit Code, all lenders must include a comparison rate, in addition to other prescribed information, when advertising an interest rate.

Compare with caution

Comparison rates can be a useful tool for comparing the overall cost of different loans, however they have some shortcomings. Many add-on features which some members find very valuable are not taken into account in the calculation of the comparison rate.

When choosing a loan, it is important to research the features of each loan to find the product that suits you best. You'll find most of CUA's home loans offer the ability to make additional and lump-sum repayments without penalty, and include free redraws and many other features that are not available from our competitors.

These features are not reflected in our comparison rates.