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Interest Rates and Fees

Our Personal Loan Rates and Fees

Interest Rates are subject to change

Personal Loans Interest Rate

* The interest rate charged for loans partially secured by Police Superannuation Scheme (PSS) or Government Superannuation Fund (GSF) is determined by the loan amount versus the value of the PSS or GSF.

Loans fully secured by PSS or GSF

9.50% pa

Loans partially secured by PSS or GSF

From 10.70% - 13.75% pa *

Loans secured by Motor Vehicles

12.95% pa

Unsecured up to a maximum of $5,000

17.00% pa

Personal Loan Fees

Personal Loan Establishment Fee

$100

Personal Loan Facility Agreement Variation Fee

$50

Top Up Fees for Loans secured by PSS or GSF

Flat fee of $5 per top up when completed through Internet or Mobile Banking

Top Up Fees for Loans Fully Secured by PSS or GSF, Loans Partially Secured by PSS or GSF, Loans secured by Motor Vehicles and Unsecured Personal Loans

Flat fee of $10 per top up when completed by Police and Families Credit Union on your behalf

Our Home Loan Rates and Fees

Interest Rates are subject to change

Home Loans Interest Rate

Floating rate

5.19% pa

1 year fixed rate

4.59% pa

Home Loans Fees

Home Loans Establishment Fee

$100

Home Loans Facility Agreement Variation Fee

$50

Top Up Fees for Home Loans

Flat fee of $10 per top up when completed by Police and Families Credit Union on your behalf

Default Interest Rate

Shall be the Annual Interest Rate for the Home Loan, as varied from time to time, plus 5.00% pa

Mortgage Discharge - Release Fee

$75

Our Overdraft Rates and Fees

Interest Rates are subject to change

Overdraft Interest Rate

$0.01 - $1,000

14.95% pa

$1,000.01 +

17.55% pa

Overdraft Fees

Overdraft Establishment Fee

$15

Our Term Deposit Rates

Interest Rates are subject to change

Term Deposits Interest Rate

3 months

2.80% pa

4 months

3.20% pa

5 months

3.20% pa

6 months

3.30% pa

7 months

3.30% pa

8 months

3.30% pa

9 months

3.50% pa

12 months

3.40% pa

18 months

3.80% pa

24 months

3.85% pa