Links Interest Rates

Interest Rates

 

Transaction Accounts

AccountTierAnnual Rate
Everyday Transact$0.01 and over0.01%
Mortgage Offset$0.01 and over0.00%
Pension PlusUp to $100,0000.15%
$100,001 to $250,0000.75%
$250,001 and over1.15%
Youth Transact$0.01 and over0.01%
Disability Support Account$0.01 and over0.01%
Club & Community Transact$0.01 and over0.01%

Savings Accounts

AccountTierAnnual Rate
Everyday SaverUp to $4,999.990.01%
* $5,000 and over1.00%
Bonus Saver$0.01 and over0.10%
^ Bonus rate0.85%
Christmas Saver$0.01 and over0.30%
Star Saver$0.01 and over0.30%
~ Bonus rate0.60%
Youth Saver$0.01 and over0.30%
# Bonus rate1.00%
Club & Community SaverUp to $4,999.990.01%
* $5,000 and over0.90%

Business Accounts

AccountTierAnnual Rate
Business SaverUp to $9,999.990.01%
* $10,000 and over0.25%
Business Basic$0.01 and over0.01%
Business Transact$0.01 and over0.01%
SMSF SaverUp to $9,999.990.01%
* $10,000 and over0.25%


* Interest paid on full account balance once balance hurdle is reached.

~ Bonus rate is the base interest rate plus an additional amount of interest & is reached by making a minimum monthly deposit of $20 and no withdrawals in the month.

^ Bonus rate is the base interest rate plus an additional amount of interest & is reached by making a minimum monthly deposit of $250 and no withdrawals in the month.

# Bonus rate is the base interest rate plus an additional amount of interest & is reached by making a minimum monthly deposit of $50 and no withdrawals in the month.

General Advice Warning: In providing you with information, you should consider the appropriateness of the advice with regard to your particular financial situation and needs. You should consult the Financial Services Guide and Product & Services Terms & Conditions booklet before making a decision to apply for products with WAW Credit Union. This documentation is available at any WAW Service Centre. All information contained in this schedule is correct at time of publication but is subject to change without notice. WAW Credit Union BSB 803 070, ABN 48 087 651 787, AFSL & Australian Credit Licence 247298. 
 

Term Deposits

Limited Offers

TermRate
For 180 days $25,000+0.95% p.a.
For 365 days $25,000+0.90% p.a.

Interest paid at maturity

Term$1,000-$4,999$5,000 - $24,999.99$25,000 - $1,000,000
3 - 5 months0.50%0.55%0.60%
6 - 11 months0.65%0.70%0.75%
12 - 18 months0.65%0.70%0.80%
19 - 24 months0.65%0.70%0.80%

Interest paid monthly

Term$5,000-$24,999$25,000 - $1,000,000
6-11 months0.55%0.65%
12-18 months0.60%0.70%
19-24 months0.60%0.70%

Farm Management Deposits

TermDepositInterest Paid QuarterlyInterest Paid Annually
12-24 months$1,000 - $800,0001.00%1.10%


All rates are % per annum. Term rates may change without notice. Rates and conditions above $1,000,000 available on application. For Limited Offer Fixed Term Deposits rates, please see your local WAW Service Centre or visit www.wawcu.com.au.

General Advice Warning: In providing you with information, you should consider the appropriateness of the advice with regard to your particular financial situation and needs. You should consult the Financial Services Guide and Product & Services Terms & Conditions booklet before making a decision to apply for products with WAW Credit Union. This documentation is available at any WAW Service Centre. All information contained in this schedule is correct at time of publication but is subject to change without notice. WAW Credit Union BSB 803 070, ABN 48 087 651 787, AFSL & Australian Credit Licence 247298. 

Home Loans

Owner Occupied

Back to Basics

Interest ratesLVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest3.14%3.18%
<=80%Interest Only3.29%3.33%
80.01% <= 90%Principal & Interest3.19%3.23%
80.01% <= 90%Interest Only3.34%3.38%
90.01% - 95%Principal & Interest3.29%3.33%
90.01% - 95%Interest Only3.44%3.48%

Flexible Choice Home Loan - 24 Month Introductory Offer

Interest ratesLVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest2.75%3.98%
<=80%Interest Only2.90%4.13%
80.01% <= 90%Principal & Interest2.80%4.03%
80.01% <= 90%Interest Only2.95%4.18%
90.01% - 95%Principal & Interest2.90%4.13%
90.01% - 95%Interest Only3.05%4.27%

Flexible Choice Home Loan - Standard Variable Rate

Interest ratesLVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest4.19%4.23%
<=80%Interest Only4.34%4.38%
80.01% <= 90%Principal & Interest4.24%4.28%
80.01% <= 90%Interest Only4.39%4.43%
90.01% - 95%Principal & Interest4.34%4.38%
90.01% - 95%Interest Only4.49%4.54%

Fixed Rate Loans

Interest ratesLVRRepaymentsAnnual RateComparison Rate
Owner Occupied Fixed 1 Year<=80%Principal & Interest2.45%4.07%
<=80%Interest Only2.60%4.22%
80.01% <= 90%Principal & Interest2.80%4.03%
80.01% <= 90%Interest Only2.65%4.27%
90.01% - 95%Principal & Interest2.60%4.22%
90.01% - 95%Interest Only2.75%4.37%
Owner Occupied Fixed 2 Year<=80%Principal & Interest2.75%3.98%
<=80%Interest Only2.90%4.13%
80.01% <= 90%Principal & Interest2.80%4.03%
80.01% <= 90%Interest Only2.95%4.13%
90.01% - 95%Principal & Interest2.90%4.13%
90.01% - 95%Interest Only3.05%4.27%
Owner Occupied Fixed 3 Year<=80%Principal & Interest3.10%3.95%
<=80%Interest Only3.25%4.10%
80.01% <= 90%Principal & Interest3.15%4.00%
80.01% <= 90%Interest Only3.30%4.15%
90.01% - 95%Principal & Interest3.25%4.10%
90.01% - 95%Interest Only3.40%4.25%
Owner Occupied Fixed 4 Year<=80%Principal & Interest3.50%4.00%
<=80%Interest Only3.65%4.15%
80.01% <= 90%Principal & Interest3.55%4.05%
80.01% <= 90%Interest Only3.70%4.20%
90.01% - 95%Principal & Interest3.65%4.15%
90.01% - 95%Interest Only3.80%4.30%
Owner Occupied Fixed 5 Year<=80%Principal & Interest3.75%4.06%
<=80%Interest Only3.90%4.20%
80.01% <= 90%Principal & Interest3.80%4.11%
80.01% <= 90%Interest Only3.95%4.25%
90.01% - 95%Principal & Interest3.90%4.20%
90.01% - 95%Interest Only4.05%4.35%

Residential Investment

Back to Basics

Interest ratesLVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest3.39%3.43%
<=80%Interest Only3.54%3.58%
80.01% <= 90%Principal & Interest3.44%3.48%
80.01% <= 90%Interest Only3.59%3.63%
90.01% - 95%Principal & Interest3.54%3.58%
90.01% - 95%Interest Only3.69%3.73%

Flexible Choice Home Loan - 24 Month Introductory Offer

Interest ratesLVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest3.45%4.67%
<=80%Interest Only3.60%4.82%
80.01% <= 90%Principal & Interest3.50%4.72%
80.01% <= 90%Interest Only3.65%4.87%
90.01% - 95%Principal & Interest3.60%4.82%
90.01% - 95%Interest Only3.75%4.97%

Flexible Choice Home Loan - Standard Variable Rate

Interest ratesLVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest4.89%4.94%
<=80%Interest Only5.04%5.09%
80.01% <= 90%Principal & Interest4.94%4.99%
80.01% <= 90%Interest Only5.09%5.14%
90.01% - 95%Principal & Interest5.04%5.09%
90.01% - 95%Interest Only5.19%5.24%

Fixed Rate Loans

Interest ratesLVRRepaymentsAnnual RateComparison Rate
Investment Fixed 1 Year<=80%Principal & Interest2.70%4.73%
<=80%Interest Only2.85%4.87%
80.01% <= 90%Principal & Interest2.75%4.78%
80.01% <= 90%Interest Only2.90%4.94%
90.01% - 95%Principal & Interest2.85%4.87%
90.01% - 95%Interest Only3.00%5.02%
Investment Fixed 2 Year<=80%Principal & Interest3.00%4.59%
<=80%Interest Only3.15%4.74%
80.01% <= 90%Principal & Interest3.05%4.65%
80.01% <= 90%Interest Only3.20%4.79%
90.01% - 95%Principal & Interest3.15%4.74%
90.01% - 95%Interest Only3.30%4.88%
Investment Fixed 3 Year<=80%Principal & Interest3.35%4.53%
<=80%Interest Only3.50%4.67%
80.01% <= 90%Principal & Interest3.40%4.58%
80.01% <= 90%Interest Only3.55%4.72%
90.01% - 95%Principal & Interest3.50%4.67%
90.01% - 95%Interest Only3.65%4.82%
Investment Fixed 4 Year<=80%Principal & Interest3.75%4.54%
<=80%Interest Only3.90%4.69%
80.01% <= 90%Principal & Interest3.80%4.59%
80.01% <= 90%Interest Only3.95%4.74%
90.01% - 95%Principal & Interest3.90%4.69%
90.01% - 95%Interest Only4.05%4.84%
Investment Fixed 5 Year<=80%Principal & Interest4.00%4.57%
<=80%Interest Only4.15%4.72%
80.01% <= 90%Principal & Interest4.05%4.62%
80.01% <= 90%Interest Only4.20%4.76%
90.01% - 95%Principal & Interest4.15%4.72%
90.01% - 95%Interest Only4.30%4.86%


COMPARISON RATE WARNING: Home loan comparison rates are based on a loan amount of $150,000 over the term of 25 years. These comparison rates apply only to the examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw and early repayment fees and cost savings such as fee waivers are not included in the Comparison Rate but may influence the cost of the loan.

Interest rates are expressed as % p.a. and are subject to change without notification.

WAW Credit Union BSB 803 070 ABN 48 087 651 787 AFSL & Australian Credit Licence 247298.

Personal Loans

LoanRepaymentsAnnual RateComparison Rate
WAW Personal LoanPrincipal & Interest5.99%6.62%
Car LoanPrincipal & Interest6.99%7.63%
Solar LoanPrincipal & Interest5.44%6.07%
Property Package LoanPrincipal & Interest4.79%5.15%
Personal OverdraftPrincipal & InterestFrom 5.99%N/A
Line of CreditInterest Only4.59%4.64%


Terms and conditions apply. The comparison rate is based on a loan of $10,000 over 5 years. Different amounts and terms will result in different comparison rates.

Comparison Rate Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Business Loans

LoanRepaymentsAnnual RateComparison Rate
Business LoansPrincipal & InterestFrom 4.79%5.86%
Interest Only5.94%6.01%
Rural & Agricultural LoansPrincipal & InterestFrom 4.79%4.85%
Interest OnlyFrom 4.94%5.00%
Business OverdraftPrincipal & InterestFrom 5.29%N/A


Discontinued Products

Loans

Essential Home Loan

LVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest3.74%3.78%
<=80%Interest Only3.89%3.93%
80.01% <= 90%Principal & Interest3.79%3.83%
80.01% <= 90%Interest Only3.94%3.98%
90.01% - 95%Principal & Interest3.89%3.93%
90.01% - 95%Interest Only4.04%4.08%

Basic Variable Home Loan

LVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest3.94%3.98%
<=80%Interest Only4.09%4.13%
80.01% <= 90%Principal & Interest3.99%4.03%
80.01% <= 90%Interest Only4.14%4.18%
90.01% - 95%Principal & Interest4.09%4.13%
90.01% - 95%Interest Only4.24%4.28%

Bundled Home Loan

LVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest3.69%3.73%
<=80%Interest Only3.84%3.88%
80.01% <= 90%Principal & Interest3.74%3.78%
80.01% <= 90%Interest Only3.89%3.93%
90.01% - 95%Principal & Interest3.84%3.88%
90.01% - 95%Interest Only3.99%4.03%

Wealth Package Home Loan

LVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest3.59%3.92%
<=80%Interest Only3.74%4.07%
80.01% <= 90%Principal & Interest3.64%3.97%
80.01% <= 90%Interest Only3.79%4.12%
90.01% - 95%Principal & Interest3.74%4.07%
90.01% - 95%Interest Only3.89%4.22%

Transact / Savings accounts

AccountTierAnnual Rate
S1 - On call Account$0.01 and over0.01%
S2/S22 Star Saver$0.01 and over0.30%
S2/S22 Star Saver~Bonus rate0.60%
S3 - Business Transact$0.01 and over0.01%
S4 Visa Account$0.01 and over0.01%
S5 - Christmas Club$0.01 and over0.30%
S6 - myGoal$0.01 and over0.10%
S6 - myGoal^ Bonus rate0.85%
S9 Money Manager$1 to $19,999.990.03%
S9 Money Manager*$20,000 to $49,999.990.05%
S9 Money Manager*$50,000 to $99,999.990.20%
S9 Money Manager*$100,000 and over0.30%
S10 - Savings Investment*Up to $9,999.990.05%
S10 - Savings Investment*$10,000 to $19,999.990.05%
S10 - Savings Investment*$20,000 to $49,999.990.05%
S10 - Savings Investment*$50,000 and over0.10%
S11/S12 Retirement Plus$0.01 to $100,0000.15%
S11/S12 Retirement Plus$100,001 to $250,0000.75%
S11/S12 Retirement Plus$250,001 and over1.15%
S13 Community Care$0.01 and over0.01%
S14 Disability SupportUp to $19,999.990.01%
S14 Disability Support*$20,000 and over0.25%
S15 Youth Transact$0.01 and over0.01%
S18 Club & Community Transact$0.01 and over0.01%
S19 Club & Community eSaverUp to $4,999.990.01%
S19 Club & Community eSaver*$5,000 and over0.90%
S20 - eSaverUp to $4,999.990.01%
S20 - eSaver*$5,000 and over1.00%
S21 - eAccess$0.01 and over0.01%
S25 Youth Saver$0.01 and over0.30%
S25 Youth Saver# Bonus rate1.00%
S40 - OffsetNo credit interest is paid on this account.


* Interest paid on full account balance once balance hurdle is reached.
** Minimum account balance $5,000
~ Bonus rate is the base interest rate plus an additional amount of interest & is reached by making a minimum monthly deposit of $20 and no withdrawals in the month.
^ Bonus rate is the base interest rate plus an additional amount of interest & is reached by making a minimum monthly deposit of $250 and no withdrawals in the month.
# Bonus rate is the base interest rate plus an additional amount of interest & is reached by making a minimum monthly deposit of $50 and no withdrawals in the month.

Comparison Rate Warning: Home loan comparison rates are based on a loan amount of $150,000 over the term of 25 years. These comparison rates apply only to the examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw and early repayment fees and cost savings such as fee waivers are not included in the Comparison Rate but may influence the cost of the loan.

General Advice Warning: In providing you with information, you should consider the appropriateness of the advice with regard to your particular financial situation and needs. You should consult the Financial Services Guide and Product & Services Terms & Conditions booklet before making a decision to apply for products with WAW Credit Union. This documentation is available at any WAW Service Centre.

All information contained in this schedule is correct at time of publication but is subject to change without notice. WAW Credit Union BSB 803 070, ABN 48 087 651 787, AFSL & Australian Credit Licence 247298. 

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