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Loan Interest Rates

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ADCU offers a range of competitive interest rates on loan products.

Home Loans

  Type of Loan Interest Rate Comparison Rate
L12 Variable Offset Home Loan 7.04% pa 7.09% pa1
L16 Budget Home Loan 6.69% pa 6.74% pa1
L18 Interest Only Home Loan 7.04% pa 7.09% pa1
L19 Investment Home Loan 7.04% pa 7.09% pa1

Mortgage Secured Overdraft

  Type of Loan Interest Rate Comparison Rate
S13 Home Equity Overdraft 7.29% pa n/a

Personal Loans

  Type of Loan Interest Rate Comparison Rate
L42 Variable Rate 13.40% pa 13.55% pa2
L47 Fixed Rate 12.99% pa 13.21% pa2
L49 Debt Consolidation Loan 14.40% pa 14.63% pa2

Car Loans

  Type of Loan Interest Rate Comparison Rate
L43 Equity New Car Loan (20% deposit)
New Car Loan		 8.90% pa
9.90% pa		 9.09% pa2
10.09% pa2
L45 Used Car Loans 1-5 Years Old 11.49% pa 11.68% pa2

Overdrafts

  Type of Loan Interest Rate Comparison Rate
S1 and S11 RediCredit Line of Credit
(Existing accounts only - product closed to new business)		 16.65% pa n/a

Credit Cards

  Type of Card Interest Rate Comparison Rate
S50 ADCU Low Rate Visa Card
6 Month Balance Transfer
9 Month Balance Transfer		 10.99% pa3
3.99% pa
4.99% pa		 n/a
n/a
n/a

Additional Information

Questions?

If you have any questions, please contact us Enquire

Rates are subject to change without notice. Fees and charges apply with full terms and conditions available on request.

 

1Comparison rate calculated on a loan amount of $150,000 over a term of 25 years.
2 Comparison rate based on a $30,000 loan over 5 years unsecured.

3 10.99% for purchases with up to 55 days interest free. 19.99% for cash advances.


ADCU - Go Shopping with Visa

 
ADCU
Comparison rate		 13.40% pa
13.55% pa
NAB
Comparison rate		 14.99% pa
15.85% pa
CBA
Comparison rate		 14.90% pa
18.01% pa

* Based on a Variable Rate Personal Loan. Information was sourced from each financial institutions website on 17 February 2012 and is subject to change.

View all ADCU rates