Select Encompass Credit Union

Select Encompass Credit Union was formed through the merger of Select Credit Union and Encompass Credit Union on 1 July 2016. Members own the credit union through its mutual structure and all profits are reinvested in the credit union to benefit members. Select Encompass assists in the financial education of youth and supports financial development projects in Laos and Bhutan.

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

  • Flexible loan features.
  • Broad range of home loans.
  • No ongoing fees on most loans.
  • Online home loan application.
  • Must be a member.
  • Limited home loan products from which to choose.
  • Limited branch access.
Select Encompass Credit Union customer service:

Select Encompass Credit Union has branches in Sydney, Newcastle and Gosford. Members can also call the service centre for personal service or also access accounts immediately via a national network of ATMs, as well as internet and telephone banking facilities 24/7.

  • Customer service centre 24 hours (phone)
  • Online banking
  • Mobile app
  • Email inquiries
  • NSW branch network

Select Encompass Credit Union 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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How to Apply

You can join the credit union as part of the process of applying for a loan, or join independently by paying a member shareholder contribution. You will need to provide and verify identification documents to support your application. Documents you will need include:

  • Personal identification material.
  • Proof of income – whether you are self-employed or work for an employer.
  • Proof of other income, including rental income.
  • Information regarding your current debts, liabilities and assets.
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