ECU Australia

ECU Australia is a Queensland-based credit union that was founded in 1973 to serve Queensland’s electricity industry staff. Now open to Australians nationwide, ECU Australia has a membership base of over 12,000 people.

Like all credit unions ECU Australia isn’t beholden to any shareholders, which means profits can be passed back to members through competitive interest rates.

ECU Australia aims to offer an alternative to the big four banks and provides a range of everyday banking products, insurance, credit cards and home loans.

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

  • Suitable for low deposits.
  • Opportunity to package financial products.
  • Flexible repayment schedule with weekly, fortnightly and monthly repayment options.
  • Some products include ongoing fees.
  • Discharge fees apply at the end of loan.
ECU Australia customer service:

ECU Australia home loan customers can get in touch with the bank in numerous ways. Borrowers living in Queensland can seek face-to-face advice in one of the state’s numerous branches and member service centres. Alternatively customers can call ECU Australia’s customer service centre to speak to an adviser. Enquiries can be made online via the website or email. ECU Australia also has a mobile app and offers online banking services 24/7. No matter where they are located in Australia, customers can access their funds using Westpac’s free ATM network. 

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

ECU Australia Home Loan Calculator

Mortgage Balance

Monthly Repayment

Interest Rate


Remaining loan term:

26 years and 8 months

Savings over 10 years

How to Apply

ECU Australia provides three ways for customers to apply for a home loan. Applications can be completed in branch with the help of the lending team, or alternatively customers can contact the customer service centre and be walked through the application process over the phone. Customers can also download a home loan application form and either return their completed paperwork to a branch in person or via post or fax. Before customers apply for a home loan it’s recommended that they calculate how much they can afford to borrow before making any commitments. To support their application ECU Australia home loan customers may be required to provide the following documentation:

  • Personal identification.
  • Personal income details.
  • Details of current debts and assets.
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