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  3. Illawarra Cu Nsw
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Illawarra Credit Union

As with most credit unions, Illawarra Credit Union was established for its community members to save together and lend to one another at a fair rate of interest. Since 1972 Illawarra Communities have been receiving benefits through competitive interest rates and low fees for financial products and services. Today, the credit union has close to 40,000 members and operations out of 9 branches from Campbelltown through to Nowra in New South Wales.

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Illawarra Credit Union home loans

Promoted

The Works Package (Principal and Interest)

Real Time Rating™
Owner Occupied
5% min deposit
P&I
Offset Account
Interest Rate

6.75%

p.a

Variable

Comparison Rate*

7.18%

p.a

Australian Credit Licence 245576

Promoted

Bare Essentials (Principal and Interest)

Real Time Rating™
Owner Occupied
5% min deposit
P&I
Extra repayments
Interest Rate

5.79%

p.a

Variable

Comparison Rate*

5.89%

p.a

Australian Credit Licence 245576

Promoted

Bare Essentials INV Variable (P&I)

Real Time Rating™
Investor
5% min deposit
P&I
Extra repayments
Interest Rate

6.29%

p.a

Variable

Comparison Rate*

6.39%

p.a

Australian Credit Licence 245576

Promoted

Bare Essentials INV Variable (IO)

Real Time Rating™
Investor
5% min deposit
Interest Only
Extra repayments
Interest Rate

6.29%

p.a

Variable

Comparison Rate*

6.39%

p.a

Australian Credit Licence 245576

Product data updated on 3 Dec 2023

Illawarra Credit Union personal loans

Promoted

Online Personal Loan Package

Real Time Rating™
0 to 5 years
Secured
Variable Rate
Interest Rate

6.00%

p.a

Variable

Comparison Rate*

6.64%

p.a

Variable

Australian Credit Licence 245576

Promoted

Unsecured Fixed Personal Loan

Real Time Rating™
1 to 5 years
Unsecured
Fixed Rate
No ongoing fees
Interest Rate

9.75%

p.a

Fixed

Comparison Rate*

10.04%

p.a

Fixed

Australian Credit Licence 245576

Promoted

Mortgage Secured Overdraft

Real Time Rating™
0 to 10 years
Secured
Variable Rate
No ongoing fees
Interest Rate

11.86%

p.a

Variable

Comparison Rate*

12.15%

p.a

Variable

Australian Credit Licence 245576

Promoted

Personal Overdraft

Real Time Rating™
0 to 10 years
Unsecured
Variable Rate
No ongoing fees
Interest Rate

14.71%

p.a

Variable

Comparison Rate*

15.01%

p.a

Variable

Australian Credit Licence 245576

Product data updated on 3 Dec 2023

Illawarra Credit Union car loans

Promoted

Secured Fixed Personal Loan (New Asset)

Real Time Rating™
$10k to $100k
1 to 5 years
Fixed Rate
Secured
Interest Rate

6.49%

p.a

Fixed

Comparison Rate*

6.77%

p.a

Fixed

Australian Credit Licence 245576

Promoted

Secured Fixed Personal Loan (Used Asset)

Real Time Rating™
$10k to $100k
0 to 5 years
Fixed Rate
Secured
Interest Rate

6.99%

p.a

Fixed

Comparison Rate*

7.27%

p.a

Fixed

Australian Credit Licence 245576

Product data updated on 3 Dec 2023

Illawarra Credit Union savings accounts

Promoted

Bonus Saver

Real Time Rating™
Bonus interest with conditions
App banking
Online banking

*Deposit at least $100 during the month and make no withdrawals within the calendar month

Maximum rate

4.00%*

p.a

Base rate

Not Applicable

variable

Promoted

Saver

Real Time Rating™
App banking
Online banking
Maximum rate

2.50%

p.a

Base rate

2.50%

p.a

Promoted

Wildlife Saver

Real Time Rating™
Bonus interest with conditions
App banking
Online banking

*Deposit at least $10 per month and make no withdrawals in the same month

Maximum rate

2.50%*

p.a

Base rate

Not Applicable

Product data updated on 3 Dec 2023

Illawarra Credit Union bank accounts

Promoted

Everyday

Real Time Rating™
App banking
Online banking
Overseas ATM facilities
Visa debit card

*Fees waived when deposit $2,000 Monthly

Account Keeping Fees
ATM Fee

$0

Over 10,000 ATMs

Debit Card Type

Visa

Maximum Interest rate

Promoted

Everyday Plus

Real Time Rating™
App banking
Online banking
Overseas ATM facilities
Visa debit card

*Fees waived when deposit $2,000 Monthly

Account Keeping Fees
ATM Fee

$0

Over 10,000 ATMs

Debit Card Type

Visa

Maximum Interest rate

2.00%

Product data updated on 3 Dec 2023

Illawarra Credit Union term deposits

Promoted

Term Deposit

Real Time Rating™
1 month
Automatic maturity rollover
Joint application available
Interest rate

1.75%

p.a

for 1 month

Min. deposit

$1,000

Next rate increased

3.00%

p.a

for 3 months

Max rate

4.25%

p.a

for 12 months

Product data updated on 3 Dec 2023