Savings
Accounts
| On-Call Savings | |
| Balance 0 - $4,999 | 0.05%pa |
| Balance $5,000 - $9,999 | 0.10%pa |
| Balance $10,000 - $19,999 | 0.25%pa |
| Balance $20,000 - $49,999 | 0.50%pa |
| Balance $50,000 + | 0.75%pa |
| Cheque a Month* |
|
| Balance 0 - $4,999 | 0.50%pa |
| Balance $5,000 - $24,999 | 3.00%pa |
| Balance $25,000 - $99,999 | 3.50%pa |
| Balance $100,000 + | 4.00%pa |
| *no longer available | |
| Budget Savings | |
| Balance 0 - $4,999 | 0.05%pa |
| Balance $5,000 - $9,999 | 0.10%pa |
| Balance $10,000 - $19,999 | 0.25%pa |
| Balance $20,000 - $49,999 | 0.50%pa |
| Balance $50,000 + | 0.75%pa |
| Target Saver | |
| Balance 0 - $1,999 | 0.50%pa |
| Balance $2000 - $24,999 | 1.50%pa |
| Balance $25,000 + | 2.50%pa |
| VISA Access | |
| Balance 0 - $4,999 | 0.05%pa |
| Balance $5,000 - $9,999 | 0.10%pa |
| Balance $10,000 - $19,999 | 0.25%pa |
| Balance $20,000 - $49,999 | 0.50%pa |
| Balance $50,000 + | 0.75%pa |
| Super Savers Club (Children's Account) | |
| Balance 0 - $999.99 | 1.00%pa |
| Balance $1000 - $1999.99 | 2.00%pa |
| Balance $2,000 + | 3.00%pa |
| Christmas Saver | 3.00%pa |
Fixed Term Deposits - effective July 16, 2008
|
|
1 Month |
3 month |
6 month |
1 year |
2 year |
|
$500.00 |
- |
$4,999.99 |
0.00% |
6.25% |
6.50% |
6.65% |
6.75% |
$5,000.00 |
- |
$19,999.99 |
6.75% |
6.85% |
7.05% |
7.15% |
7.25% |
$20,000.00 |
- |
$34,999.00 |
7.10% |
7.20% |
7.50% |
7.60% |
7.65% |
$35,000.00 |
- |
$49,999.00 |
7.20% |
7.30% |
7.60% |
7.70% |
7.75% |
$50,000.00 |
- |
$99,999.00 |
7.35% |
7.45% |
7.70% |
7.75% |
7.80% |
$100,000.00 | - |
$149,999.00 |
7.40% |
7.50% |
7.75% |
7.80% |
7.90% |
$150,000.00 |
- |
$249,999.00 |
7.50% |
7.60% |
7.80% |
7.90% |
7.95% |
$250,000.00 | - |
$499,999.00 |
7.55% |
7.65% |
7.90% |
7.95% |
8.00% |
$500,000.00 |
+ |
7.65% |
7.75% |
7.95% |
8.00% |
8.05% |
Funds are available at request, for amounts greater
than $20,000, on a one-month fixed rolling deposit.
Home Loans
| Interest Rate | Comparison Rate* | |
Home Loans (for owner/occupier or investment property purchases) |
||
| Classic Plus - standard variable rate |
8.60% | 8.64% |
| Equity Access |
8.95% | n/a |
Fixed Rates (reverts to standard variable rate) |
||
| 1 year |
8.95% | 8.68% |
| 2 years | 8.95% | 8.72% |
| 3 years | 8.95% | 8.75% |
| 4 years | 8.95% | 8.78% |
| 5 years | 8.95% | 8.81% |
|
The advertised / quoted fixed rate is an indicative interest rate only. The actual fixed rate is set at time of loan funding. *The comparison rate applies for a home loan (established property, owner/occupier or investment property) of $150,000 over 25 years. WARNING: These comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. |
||
Personal Loans
| Interest Rate | Comparison Rate1 | |
Personal loan interest rates |
||
| Car Loans (minimum 10% deposit required) | ||
| New/ demo cars up to 1 year old | 9.90% pa | 9.90% pa2 |
| Used cars up to 5 years old | 10.90% pa | 10.90% pa2 |
| Student Loans | ||
| Parental Guaranteed | 9.95% pa | 9.95% pa |
| Guaranteed | 10.95% pa | 10.95% pa |
| Unsecured | 11.95% pa | 11.95% pa |
| Secured Personal Loans | ||
| Secured by Real Estate | 8.60% pa | 9.44% pa2 |
| Secured by Term Deposit | 8.60% pa | 8.94% pa2 |
| Unsecured Personal Loans | ||
| Member or University Packages | 10.95% pa | 11.30% pa2 |
| Standard Unsecured Personal Loan | 13.45% pa | 14.15% pa3 |
Member package This is a special personal loan interest rate created to reward existing members with a discounted unsecured variable rate. You need to be a member of Unicredit for more than two years and be willing to have your whole pay credited to a Unicredit account. University package Personal loan discounts have also been made available to university employees or those who work on campus and who are willing to have their whole pay credited to a Unicredit account. Click here to view our Personal Loan Comparison Rate Schedule |
||
Continuing Credits |
||
| Visa Debit Card (mortgage secured) |
9.20% | n/a |
| Visa Debit Card (unsecured) | 14.50% | n/a |
| Overdraft (unsecured) | 14.50% | n/a |
