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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 0.95%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
Under $5,000 0.01%p.a.
$5,000 to $50,000 0.95%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
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 2.30%p.a. 2.20%p.a.
5 Month 2.30%p.a. 2.20%p.a.
6 Month 2.50%p.a. 2.40%p.a.
7 Month 2.30%p.a.2.20%p.a.
8 Month 2.40%p.a. 2.30%p.a.
9 Month 2.50%p.a. 2.40%p.a.
10 Month 2.30%p.a. 2.20%p.a.
11 Month 2.45%p.a. 2.35%p.a.
12 Month2.50%p.a. 2.40%p.a.
13 - 23 Month2.50%p.a.2.40%p.a.
2 years 2.65%p.a. 2.55%p.a.
3 years 2.70%p.a. 2.60%p.a.
4 Years2.80%p.a.2.70%p.a.
5 Years2.80%p.a.2.70%p.a.
Platinum Plus Club Members (55+)
1 Year 2.60%p.a. 2.50%p.a.
13-23 Months2.60%p.a.2.50%p.a.
2 Years 2.75%p.a. 2.65%p.a.
3 Years 2.80%p.a. 2.70%p.a.
4 Years2.90%p.a.2.80%p.a.
5 Years2.90%p.a.2.80%p.a.

CUA eSaver Reward Account

Conditions: Interest is calculated daily and paid monthly. In order to earn bonus interest on your eSaver Reward account you must also hold a CUA everyday transaction account. 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 2.70%p.a.
Base rate 0.05%p.a.
Bonus interest (on balances up to $100,000) 2.65%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
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 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.

Rate
$0-$5,000 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*
Advance Variable (P&I)5, 7, 8 3.65%p.a. 3.66%p.a.   
Advance Variable (Construction)5, 7, 9 3.99%p.a. 3.69%p.a.   
Advance Variable (IO)5, 7, 10 4.24%p.a. 3.77%p.a.   
Kick Start 2 Year Introductory Variable (P&I)1,2,4, 5 3.79%p.a. 3.97%p.a. N/A%p.a. N/A%p.a.
Kick Start 2 Year Introductory Variable (Construction)2,3,4, 5 N/A%p.a. N/A%p.a. N/A%p.a. N/A%p.a.
Fresh Start Basic Variable (P&I),|>| 3.99%p.a. 4.00%p.a. 4.83%p.a. 4.88%p.a.
Fresh Start Basic Variable (Construction),|>|,11 3.99%p.a. 4.00%p.a. 4.83%p.a. 4.88%p.a.
Fresh Start Basic Variable (IO),|>|,12 3.99%p.a. 4.00%p.a. 5.18%p.a. 5.03%p.a.
Fresh Start Variable (P&I) 4.26%p.a. 4.27%p.a. 4.91%p.a. 4.92%p.a.
Fresh Start Variable (Construction),13 4.26%p.a. 4.27%p.a. 4.91%p.a. 4.92%p.a.
Fresh Start Variable (IO),14 4.26%p.a. 4.27%p.a. 5.26%p.a. 5.07%p.a.
Fresh Start Access Variable 4.31%p.a. 4.32%p.a. 4.96%p.a. 4.97%p.a.
CUA Rate Breaker Package^ 4.22%p.a. 4.57%p.a. 4.52%p.a. 4.86%p.a.
 (including 1.0% Owner occupier discount)(including 0.7% Investor discount) 
Equity Line of Credit 5.56%p.a.    

Fixed Rates

 

Owner occupierΔ

InvestorΔ

Interest rate# Comparison rate* Interest rate# Comparison rate*
1 Year Premium Fixed Rate 4.01%p.a. 4.81%p.a. 4.41%p.a. 5.48%p.a.
2 Year Premium Fixed Rate 4.06%p.a. 4.75%p.a. 4.41%p.a. 5.38%p.a.
3 Year Premium Fixed Rate 3.96%p.a. 4.66%p.a. 4.31%p.a. 5.26%p.a.
5 Year Premium Fixed Rate 4.45%p.a. 4.73%p.a. 4.91%p.a. 5.33%p.a.
1 Year Fixed Rate 3.84%p.a. 4.80%p.a. 4.24%p.a. 5.47%p.a.
2 Year Fixed Rate 3.89%p.a. 4.72%p.a. 4.24%p.a. 5.35%p.a.
3 Year Fixed Rate 3.79%p.a. 4.61%p.a. 4.14%p.a. 5.21%p.a.
5 Year Fixed Rate 4.28%p.a. 4.66%p.a. 4.74%p.a. 5.26%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. Maximums based on standard security. Lower LVR limits apply for non-standard security types.

^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 period, loan reverts to the standard 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.

1At expiry of 2 year introductory variable period Kick Start Variable loan will revert to the relevant Fresh Start Basic Variable Principal & Interest repayments Rate. Offer available to new owner-occupied loans of minimum $100,000 with Principal & Interest repayments only

2The offer of this product may be withdrawn at any time.

3 Payments are made on an interest only basis for first 24 months. After 24 months loan will revert to the relevant Fresh Start Basic Variable Principal & Interest repayments Rate.

4Borrowers cannot switch to this product from their existing CUA home loan product.

5Loan Establishment fee of $600 waived until fee waiver offer withdrawn. Security administration fee and other fees may apply.

7Available to new owner-occupier 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 25/08/2017. Rates vary by repayment type (principal and interest vs interest only) and construction loans.

8 Principal and interest repayments only. Maximum LVR limit of 90% (inclusive of lenders mortgage insurance) applies. Not available for construction purposes.

9 Maximum LVR limit of 90% (inclusive LMI) applies. Payments are made on an interest only basis for first 12 months. After 12 months loan will revert to the Advance Variable owner-occupier P&I repayments rate. Comparison rate based on a 12 month interest only period and P&I for balance of the term

10 Maximum LVR limit of 80% applies. Maximum interest only period of 24 months. At expiry of the interest only period loan will revert to the Advance Variable owner-occupier P&I repayments rate. Comparison rate based on a 24 month interest only period and P&I for balance of the term.

11 Payments are made on an interest only basis for the first 12 months. After 12 months, loan will revert to the relevant Fresh Start Basic Variable Principal & Interest repayments rate.

12 Maximum interest only period of 24 months for Owner Occupier and 60 months for Investor. At expiry of the interest only period, loan will revert to the relevant Fresh Start Basic Variable Principal & Interest repayments rate.

13 Payments are made on an interest only basis for the first 12 months. After 12 months, loan will revert to the relevant Fresh Start Variable Principal & Interest repayments rate.

14 Maximum interest only period of 24 months for Owner Occupier and 60 months for Investor. At expiry of the interest only period, loan will revert to the relevant Fresh Start Variable Principal & Interest repayments rate.



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Personal Loans

All purpose loansInterest rateComparison rate
Under $30,000  
Unsecured Variable Personal Loan 11.89%p.a 11.89%p.a****
Unsecured Fixed Personal Loan11.99%p.a.11.99%p.a****
Over $30,000  
Discount Variable Personal Loan10.89%p.a. 10.89%p.a****
Discount Fixed Personal Loan10.99%p.a.10.99%p.a****
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

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


Credit Cards

Credit Cards

Conditions: These interest rates are current as at 05 December 2017 and are subject to change. Fees and charges are payable.

PurchasesCash
CUA Platinum Credit Card 19.99%p.a. 21.74%p.a.
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# Comparison rate* Interest rate# Comparison rate*
CUA Kick Start Variable (P&I) - - 4.15%p.a. 4.76%p.a.
CUA Kick Start Variable (Construction) 3.79%p.a. 3.97%p.a. 4.15%p.a. 4.76%p.a.
CUA Kick Start Variable (IO) 3.79%p.a. 3.97%p.a. 4.50%p.a. 4.82%p.a.
CUA Standard Variable 4.84%p.a. 4.89%p.a. 5.54%p.a. 5.59%p.a.
CUA Basic Variable 4.83%p.a. 4.88%p.a. 5.31%p.a. 5.36%p.a.

Personal Loans

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

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 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
All balances 0.50%p.a.

eSaver Account

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

  Rate
All balances

1.30%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 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 2.60%p.a.
Base rate 0.20%p.a.
Bonus interest (on balances up to $1,000,000) 2.40%p.a.

CUA FPI Account

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

  Rate
All balances

1.00%p.a.

CUA Cash Hub

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

  Rate
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.