Loan Interest Rates - My Credit Union

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Loan Interest Rates Effective 1 February 2018 On 1 February 2018, the business of My Credit Union Limited was transferred to Community CPS Australia Ltd ABN 15 087 651 143, AFSL/Australian Credit Licence 237 856 trading as Beyond Bank Australia.

Home Loans Investment

Owner Occupied Residential Home Loans Rate % pa

Comparison Rate % pa

Rate % pa

3.39%

4.31%1

N/A

N/A

Platinum Package Home Loan~

3.89%

4.31%1

4.39%

4.80%1

My Ideal Home Loan*

4.34%

4.40%1

4.84%

4.90%1

My Home Loan

4.54%

4.60%1

5.04%

5.10%1

My Advantage Home Loan (Offset)

4.74%

4.80%1

5.24%

5.30%1

My Equity Home Loan (Line of credit)

5.34%

N/A

5.84%

N/A

My Fixed Home Loan – 1 year

4.39%

4.58%1

4.64%

4.83%1

My Fixed Home Loan – 2 year

4.44%

4.58%1

4.69%

4.83%1

My Fixed Home Loan – 3 year

4.59%

4.61%1

4.84%

4.86%1

Special Offer Home Loan – Secured 1 Year Intro Variable or 1 Year Fixed Rate^

Comparison Rate % pa

Variable Rate Home Loans – Secured

Fixed Rate Home Loans – Secured

^This offer is only available for purchase or to refinance home loans from another lender, minimum of $250,000 and must be funded no later than 6 weeks after approval. At the end of the introductory period the loan will revert to the My Ideal Home Loan variable rate. ~Platinum Package Home Loan is available for new borrowings, minimum loan amount $250,000. Annual package fee of $375 applies. *My Ideal Home Loan is available for new borrowings, minimum loan amount $250,000.

Personal Loans Secured & Unsecured Loans

Rate % pa

Comparison Rate % pa

5.49%

5.76%2

Secured by car 3 – 5 years old

11.85%

12.13%2

Special Offer: Personal Loan Available for new loans of $10,000 or more

9.30%

10.32%3

Unsecured Personal Loan

12.85%

13.89%3

Unsecured Personal Loan (special discount for homeowners)

10.85%

11.88%3

Special Offer: Fixed Rate New Car Loan Secured by car up to 3 years old Variable Rate Secured & Personal Loans

Continuing Credit Facilities Overdraft - Unsecured

Rate % pa

Comparison Rate % pa

My Overdraft

14.45%

N/A

My Visa Access (S4)

14.00%

N/A

Rate % pa

Comparison Rate % pa

Credit Card Special Offer: Balance Transfer for 6 months

#

4.99%

N/A

Purchases - Up to 55 days interest free on credit purchases^ Cash Advances

7.99% 11.99%

N/A N/A

#

Applies on balances transferred from non MYCU credit cards or store card accounts only. 6 month introductory period starts on date transfer is processed. Any outstanding transferred balances at the end of the introductory period will revert to the purchase rate ^Up to 55 days interest free on credit purchases if you pay your balance on time and in full, including balance transfers, each month. Comparison Rates 1. The comparison rate is based on a $150,000 secured loan for a term of 25 years. 2. The comparison rate is based on a $30,000 secured loan for a term of 5 years. 3. The comparison rate is based on a $10,000 unsecured loan for a term of 3 years. WARNING These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees and other loan amounts might result in different comparison rates. Eligibility criteria, terms and conditions, fees and charges apply. Loan Rates 2018_02_01