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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 1.25%p.a. on balances from $5,000 to $50,000, and at 2.75%p.a. on the portion of the balance over $50,000.

Account Portion Rate
Under $5,000 0.01%p.a.
$5,000 to $50,000 1.25%p.a.
Over $50,000 2.75%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

CUA Term Deposit

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
1 Month 1.75%p.a. Not available
2 Month 1.95%p.a. 1.80%p.a.
3 Month 2.15%p.a. 2.00%p.a.
4 Month 2.60%p.a. 2.45%p.a.
5 Month 2.35%p.a. 2.20%p.a.
6 Month 2.80%p.a. 2.65%p.a.
7 Month 2.35%p.a. 2.20%p.a.
8 Month 2.35%p.a. 2.20%p.a.
9 Month 2.35%p.a. 2.20%p.a.
10 Month 3.00%p.a. 2.85%p.a.
11 Month 2.35%p.a. 2.20%p.a.
1 Year 2.80%p.a. 2.65%p.a.
2 years 3.10%p.a. 2.95%p.a.
3 years 3.15%p.a. 3.00%p.a.
Platinum Plus Club Members (55+)
1 Year 2.95%p.a. 2.80%p.a.
2 Years 3.25%p.a. 3.10%p.a.
3 Years 3.30%p.a. 3.15%p.a.

CUA eSaver Reward Account

Conditions: Interest is calculated daily and paid monthly. Bonus interest is applied on top of the base rate each month in which you deposit $1,000 or more by bank transfer from an external (non-CUA) account into your CUA everyday transaction account. The eligible types of CUA everyday transaction account to receive the monthly deposit include the Everyday, Everyday Youth, Everyday 55+, Everyday Business, Prime Access, Freedom Plus and Platinum Plus Account. The base rate of interest is payable on the whole balance held in your eSaver Reward Account but bonus interest is only payable on balances up to $100,000.

 Rate
Maximum rate 2.85%p.a.
Base rate 0.70%p.a.
Bonus rate (on balances up to $100,000) 2.15%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
Maximum rate 2.75%p.a.
Base rate 1.50%p.a.
Bonus rate (on balances up to $1,000,000) 1.25%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 4.75%p.a. on balances up to $5,000, then at 1.75%p.a. on that portion of the balance over $5,000.

 Rate
$0-$5,000 4.75%p.a.
Over $5,000 1.75%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*
CUA Standard Variable 4.81%p.a. 4.86%p.a. 5.22%p.a. 5.27%p.a.
CUA Discount Variable ≥ $250,000# 4.81%p.a. 4.72%p.a. 5.22%p.a. 5.13%p.a.
CUA Basic Variable 4.78%p.a. 4.83%p.a. 5.14%p.a. 5.19%p.a.
CUA Basic Variable ≥ $250,000  4.78%p.a. 4.83%p.a. 5.14%p.a. 5.19%p.a.
CUA 1 Year Introductory Variable ~ 4.58%p.a. 4.84%p.a. 4.94%p.a. 5.25%p.a.
CUA Fresh Start Variable~ 4.21%p.a. 4.22%p.a. 4.57%p.a. 4.58%p.a.
CUA Fresh Start Basic Variable~,|>| 3.99%p.a. 4.04%p.a. 4.49%p.a. 4.54%p.a.
CUA Fresh Start Access Variable~ 4.26%p.a. 4.27%p.a. 4.62%p.a. 4.63%p.a.
CUA Rate Breaker Package^ 4.37%p.a. 4.72%p.a. 4.67%p.a. 5.01%p.a.
 (including 1.0% Owner occupier discount)(including 0.7% Investor discount)
CUA 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 CUA Premium Fixed Rate 4.44%p.a. 4.83%p.a. 4.74%p.a. 5.23%p.a.
2 Year CUA Premium Fixed Rate 4.54%p.a. 4.81%p.a. 4.84%p.a. 5.20%p.a.
3 Year CUA Premium Fixed Rate 4.59%p.a. 4.80%p.a. 4.89%p.a. 5.18%p.a.
5 Year CUA Premium Fixed Rate 4.94%p.a. 4.92%p.a. 5.24%p.a. 5.28%p.a.
1 Year Fixed Rate 4.29%p.a. 4.81%p.a. 4.59%p.a. 5.21%p.a.
2 Year CUA Fixed Rate 4.39%p.a. 4.78%p.a. 4.69%p.a. 5.17%p.a.
3 Year CUA Fixed Rate 4.09%p.a. 4.67%p.a. 4.55%p.a. 5.09%p.a.
5 Year Fixed Rate 4.55%p.a. 4.75%p.a. 4.85%p.a. 5.12%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.

ΔMaximum Loan to Value Ratio (LVR) is inclusive of Lenders Mortgage Insurance (LMI) where applicable, except for Investors where the 85% LVR excludes LMI.

~New lending only with CUA or additional lending of $50,000 on existing loans.

##After 3 years, a loyalty discount of 0.20% off the current interest rate will apply.

^For CUA Rate breaker, a minimum floor interest rate of 3% currently applies. Interest rate discount, minimum floor interest rate and package terms and conditions apply and are subject to change.

#On expiration of the fixed rate or introductory period, reverts to the current standard variable rate or, for loans of $250,000 or more, the discount variable rate.

|>|All borrowers need to complete our Everyday Banking Set-up form when they apply which will switch your income payments to CUA and set you up with an everyday account with a linked debit card, and online banking.



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Personal Loans

All purpose loansInterest rateComparison rate
CUA Fixed Rate Personal Loan 11.99%p.a 12.83%p.a***
CUA Variable Rate Personal Loan 12.99%p.a. 13.84%p.a***
Fixed Rate Car loans  
CUA Fixed Rate Car Loan 7.99%p.a. 8.29%p.a**
Fixed Rate Car Loan (Vehicles up to 2 years old - below $15,000) 8.49%p.a. 8.79%p.a**
Fixed Rate Car Loan (Used vehicles 2-7 years old) 9.49%p.a.9.79%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. These 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.

***Comparison rate calculated on a loan amount of $10,000 over a term of 3 years based on monthly repayments. These 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

ProductRate
Everyday Overdraft10.90%p.a.
Just in Case Overdraft13.50%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.

Cash Management Account

Conditions: Interest is calculated daily on whole balances and paid monthly.

Account Portion Rate
$0 - $4,999 0.01%p.a.
$5,000 - $49,999 0.01%p.a.
$50,000 - $99,999 1.25%p.a.
$100,000 - $249,999 1.50%p.a.
$250,000 & over 1.75%p.a.

Christmas Club Account

Conditions: Interest is calculated on a daily basis and paid annually on all balances.

  Rate
All balances 0.50%p.a.

eSaver Account

Conditions: Interest is calculated daily on whole balances and paid monthly.

  Rate
All balances

1.75%p.a.

Bonus 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
All balances 1.01%p.a.

CUA FPI Account

Conditions: Interest is calculated daily on whole balances and paid monthly.

  Rate
All balances

2.00%p.a.

CUA Cash Hub

Conditions: Interest is calculated daily on whole balances and paid monthly.

  Rate
All balances

2.00%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.