Product Library

1-Year Fixed XL Home Loan Package

Our 1 year Fixed Home Loan Package is perfect if you have a strict budget as you’ll know exactly what your repayments will be. XL Fixed Package Home Loans are available for 31 to 40 years, for properties located in South Australia. Lending criteria applies and a suitability assessment will be complated as part of the application process. Plus you pay no monthly or redraw fees. The Credit Union SA Fixed Home Loan Package offers a fantastic collection of benefits across our Home Loans, Visa Credit Card, Personal Loans, Term Deposits and more. You pay an annual fee of $395.

Category: Home Loans Last Updated December 4, 2025 Effective January 20, 2025

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information

Interest Rate
5.19% PA

Comparison Rate
6.50%PA*

Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions..

Product Features

Other Additional Information: No loan application or monthly fee

Extra Repayments Additional Information: Allowed up to $10,000 per year

Redraw

Guarantor

Digital Banking

Other Additional Information: Split Loans are available with eligible products

Product Eligibility

Min Age - 18.

Residency Status - Australian Citizen Or Permanent Resident.

Bank Fees and Charges

Increase An Existing Home Loan Package (Event), Amount: 0.00.

Annual Fee (Periodic), Amount: 395.00.

Application Fee (Upfront), Amount: 0.00.

Settlement Fee (Upfront), Amount: 0.00.

Split Loan Fee (Event), Amount: 150.00.

Split Loan Fee (Event), Amount: 100.00.

Guarantor Application Fee (Event), Amount: 200.00.

Rate Lock Fee (Event), Amount: 600.00.

Limitations & Restrictions (Constraints)

Opening Balance of 150000.00

Max Lvr of 0.97

Document Downloads

brc-1062-hl-int-rates.pdf (78.5 KB)

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