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Loan Rates

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ECU offers many loan options from home loans to personal loans and a credit card.

Interest Rates Effective from 23rd February 2017.

Home Loans

Loan Type Interest Rate Comparison Rate
Standard Variable Home Loan 3.92% pa 4.28% pa*
Premium Plus $0 - $150,000 4.62% pa 4.97% pa*
Premium Plus $150,000 - $250,000 4.52% pa 4.87% pa*
Premium Plus $250,001 + 4.31% pa 4.66% pa*
Standard Fixed Home Loan 1 Year1 4.09% pa 5.05% pa*
Standard Fixed Home Loan 2 Years1 4.30% pa 5.00% pa*
Standard Fixed Home Loan 3 Years1 4.39% pa 4.96% pa*
Premium plus package - 1 Year Fixed Rate Home Loan 3.99% pa 4.82% pa
Premium plus package - 2 Year Fixed Rate Home Loan 4.20% pa 4.81% pa
Premium plus package - 3 Year Fixed Rate Home Loan 4.29% pa 4.81% pa

1. Rate converts to Standard Variable after the fixed term.

 

 

 

Housing Owner Occupied Overdrafts

Loan Type Interest Rate Comparison Rate
Mortgage Eliminator 5.12% pa N/A

Personal and Car Loans

Loan Type Interest Rate Comparison Rate
Yes Personal Loan 9.95% pa 10.31% pa1
Unsecured Personal Loan 11.95% pa 12.17% pa2
Covered Personal Loan 7.95% pa 8.31% pa1#
Covered Unsecured Personal Loan 9.95% pa 10.17% pa2#
Go Car Loan 7.95% pa 8.16% pa1

Reference Rates

Loan Type    
Personal Loans #1 16.50% pa N/A
Personal Loans #4 14.35% pa N/A
Mortgage Loans #2 5.12% pa N/A
Mortgage Eliminator #5 5.12% pa N/A
Personal Overdraft #1 14.75% pa N/A

Credit Card

Loan Type Interest Rate Comparison Rate
Low Rate Visa Credit Card 10.95% pa N/A

Business Finance

Loan Type Interest Rate Comparison Rate
Commercial Loans (secured and unsecured) Amount and rate on application N/A
Secured Commercial Overdraft Amount and rate on application N/A

Other

Loan Type Interest Rate Comparison Rate
Personal Overdraft 14.75% pa N/A

Comparison Interest Rate Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

*This Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years. These rates are for secured loans.
1 This Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years. These rates are for secured loans.
2 This Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years. These rates are for unsecured loans.
Lending criteria, terms, conditions and fees apply. For details refer to our Loans page, contact us or visit one of our branches.

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