CUA (formerly Credit Union Australia) is one of the country’s largest customer-owned financial services companies.

Launched in 1940, CUA has grown to have a nationwide member base of over 400,000 customers. As a 100 per cent customer-owned institution, CUA reinvests its profits and passes the reduced fees and interest rates to its customers. CUA offers a wide range of products including bank accounts, credit cards, insurance and home loans.

At the 2016 Australian Retail Banking Awards CUA won ‘Mutual of the Year’ and in 2015 won Money Magazine’s ‘Best of the Best Gold Award’ in the Best Savings Account – Regular Deposits category. CUA was named ‘Member-Owned Bank of the Year 2015’ by the Financial Review Smart Investor’s Blue Ribbon Awards.

CUA Home Loan Calculator
Interested in a CUA home loan? RateCity has a suite of calculators that can show you what your repayments would be and how CUA compares to its competitors. Simply plug in your borrowing amount below.

  • A range of home loans to choose from.
  • Suitable for low deposits.
  • Parents can act as guarantors for some loans.
  • Opportunity to package financial products.
  • Flexible repayment schedule with weekly, fortnightly or monthly repayment options.
  • Not all products offer offset facilities.
  • Some products have upfront and annual fees.
CUA customer service:

CUA home loan customers can get in touch with the credit union by visiting one of its 60 plus branches Australia-wide. Alternatively customers can contact the customer service centre by phone. If home loan customers have difficulties concerning their repayments they can take advantage of CUA’s financial hardship hotline. Customers can also submit a query through the CUA website or by emailing their lender directly.

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Branch

CUA Home Loan Calculator

Mortgage Balance

Monthly Repayment

Interest Rate


Remaining loan term:

26 years and 8 months

Savings over 10 years

Advertised rate
Comparison rate*
Monthly repayment
Savings Over Years
Estimated upfront fees
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CUA Home Loans

How to Apply

Home loan enquires can be submitted online and a CUA home loan specialist will provide a call back. There is currently no functionality for customers to apply online. Applications can be completed face-to-face in a branch or over the telephone. For straight forward banking transactions CUA customers can use internet banking and their mobile app 24-hours a day. Before customers submit their loan application it’s recommended that they consider how much they can afford to borrow before making any commitments. To support their CUA home loan application customers may need to provide several documents including:

  • Personal identification.
  • Personal income details.
  • Details of current debts and assets.
  • Information about the property.
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