The Capricornian

The Capricornian is a credit union based in Central Queensland offering a full range of financial products and services. To bank with The Capricornian, you need to be a member, however unlike banks, the profits of credit unions are reinvested into the business and members, who also get a say in how the credit union is run. The credit union meets the same regulatory standards as banks and is a prudent and strong financial service provider.

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

The Capricornian may work for you if you're looking for:
  • Personalised service.
  • Opportunity to bundle other financial products.
  • Generous introductory rate period.
The Capricornian may not work for you if you're looking for:
  • Must be a member and apply in branch.
  • Higher rates for smaller variable loans.
  • Limited branch access.
The Capricornian customer service:

The Capricornian has a head office in Rockhampton, Queensland, and has a few other branches in Central Queensand which you can visit five days a week. Customers are also able to conduct telephone or internet banking 24/7. They also offer access to RediATM facilities,  which includes the thousands of NAB terminals and Cashcard ATMs around Australia.

  • Customer service centre (phone)
  • ATMs
  • Mobile app
  • Online banking
  • Email inquiries
  • Queensland branches

The Capricornian 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
Go To Site

How to Apply

The Capricornian is a member-owned financial institution and to become a member, you need to buy a share. But then you’ll become a part owner of the credit union. You’ll need to be an Australian resident to apply in person at a Capricornian branch.  Documents you need to apply for a home loan 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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