INTEREST RATES

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Current Interest Rates
Effective as at 27 November 2008.
SAVINGS ACCOUNTS
Access saving (S1) : 0.10% p.a.
Note: Interest calculated minimum monthly and credited 31st May
Junior Saver Account (S3)
$0 - $499
   :
 1.00% p.a.
$500 - $999
  :  1.50% p.a.
$1000 plus
  :  2.00% p.a.
Note: Interest calculated daily and credited quarterly.
Xmas Club (S8) : 3.25% p.a.
Note: Interest calculated minimum monthly and credited 31st October
Star Saver Direct (S20)
$0 - $1,999
 :
 0.10% p.a.
$2,000 or more
 : 5.70% p.a.
Note: Interest calculated daily and credited monthly. For balances of $2,000 or more interest is calculated on the whole balance.
Cash Management Account (S9)
$0 - $4,999
 : Nil interest
$5,000 - $24,999 : 2.00% p.a.
$25,000 - $99,999 :  3.50% p.a.
$100,000 or more : 4.50% p.a.
Note: Interest calculated daily and credited quarterly
    
     
TERM DEPOSITS
Term $1,000 to $49,999* $50,000 and over^^
Investment Plus (Interest paid on maturity)
3 Months 6.45% 6.55%
6 Months 5.45% 5.55%
9 Months 5.00% 5.10%
12 Months 5.00% 5.10%
15 Months 5.00% 5.10%
18 Months 5.00% 5.10%
24 Months 5.00% 5.10%
* Minimum Balance $500 for Teen Plus members only 
Income Plus (Interest paid monthly)
3 Months
 6.20%
 6.30%
6 Months 5.20% 5.30%
12 Months   4.75% 4.85%
     
 LOANS
  Rate pa+ Comparison Rate**
Personal Loans 13.90%* 14.20%
Start Up Loans 13.74% 14.04%
New Car Loans - 10% Equity 9.00% 9.10%
New Car Loans - 20% Equity 8.74% 8.84%
New Car Loans - (No Equity) 10.00% 10.10%
Used Car Loans - 1-3 Years Old
  10.95%  11.18%
Used Car Loans - 3-5 Years Old 11.95% 12.08%
Housing Loan - 100% Std Variable Offset
 7.49% 7.54%
Home Equity 7.89% 7.94%
Budget
 6.99%
 7.04%
Investment Home Loan  7.49% 7.54%

RediCredit Line of Credit     

 16.15%  

Australian Defence Credit Card

    
- 6 months Introductory Rate   8.50%^  
- Ongoing Rate  13.30%  


Notes:
* Indicative rate only. Interest rate based on credit assessment and may vary.
** Based on $10,000 over 5 years for Personal Loans; $20,000 over 7 years for Car Loans and $150,000 over 25 years for Home Loans. 

^Introductory rate effective 12.03.08 fixed for 6 months, then at our standard Credit Card interest rate, currently at 13.30% p.a. (subject to change without notice: see the website for details). Fees and charges, terms and conditions apply.  

^^ For Fixed Term Deposit rates greater than $250,000, please contact us on 1300 13 23 28

+ Rates effective immediately for new loans (1.12.08 for existing loans)

WARNING: These comparison rates apply to the examples given. Different amounts and terms will result in different comparison rates. Costs such as 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. Comparison rates have been calculated on fortnightly repayment frequency.

 
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Products issued by Australian Defence Credit Union Ltd ABN No. 48 087 649 741 AFSL 237 988 unless indicated. Always read and consider our Product Disclosure brochures before making any decisions. Any advice on this site has not considered your objectives, financial situation or needs, which you should consider before acting on our advice. Fees and charges apply, full terms and conditions available on application.