| Residential / Investment / Land Loans | | Loan | Max. Term | Variable Rate | Comparison Rate | Fixed Rate(s) | Comparison Rate | | Essential | 30 Years | 6.98% p.a. | 7.11% p.a.(0) | | | | Classic | 30 Years | 7.44% p.a. | 7.51% p.a.(0) | 1 yr - 7.68%. 2 yrs - 8.39%. | 7.54% (0) 7.71% (0) | | Premium | 30 Years | 7.19% p.a. | 7.32% p.a.(0) | 1 yr - 7.43%
2 yrs - 8.14%. | 7.34% (0) 7.51% (0)
| Lifestyle Equity Loan
(to $150,000) | 7.94% p.a. | | | | Lifestyle Equity Loan
(>$150,000) | 7.69% p.a. | | | | | | | | | | |
| Home Equity Loans | | Loan | Max. Term | Variable Rate | Comparison Rate | 1st Mortgage Secured (Residential Security)
| 7 Years | 8.44% p.a. | 9.07% p.a.(1) | 1st Mortgage secured (Other Property/Security)
| 7 Years | 8.94% p.a. | 9.06% p.a.(1) | | | | | | | Personal Loans | | Loan | Max. Term | Variable Rate | Comparison Rate | | $1,000 to $4,000 | 5 Years | 18.74% p.a. | 20.09% p.a.(2) | | $4,000 to $10,000 | 5 Years | 14.59% p.a. | 14.86% p.a.(3) | | > $10,000 (partly secured / unsecured) | 5 Years | 14.59% p.a. | 14.86% p.a.(3) | | > $10,000 (fully secured) | 5 Years | 12.44% p.a. | 12.70% p.a.(3) | | | | | | | Auto Loans | | Loan | Fixed Rate(s) | Variable Rate | Comparison Rate | > $4,000 - 5 Year Max. Term
(fixed for 3 years then reverts to variable rate) | 11.29% p.a. | 14.59% p.a. | 11.54% p.a.(3) | | | | | | | Best Rate Car Loan - Special | Max Term. | Variable Rate | Comparison Rate | | > $5,000 | 5 years | 9.55% p.a. | 11.54% p.a.(3) |
|  Warwick Credit Union - Comparison Rate Schedule - Updated 07/05/2010 | Approvals subject to Warwick Credit Union lending policies. Fees and charges are payable. Full terms and conditions are avilable on application. Fixed rate housing loans will default to the standard variable rate at the expiration of the fixed term.
(*)Interest only loans are available on the products, on request
(0)Comparison Rate calculated on a secured loan amount of $150,000 over a term of 25 years based on monthly repayments.
(1)Comparison Rate calculated on a secured loan amount of $50,000 over a term of 7 years on monthly repayments
(2)Comparison Rate calculated on an unsecured loan amount of $4,000 over a term of 2 years based on monthly repayments
(3)Comparison Rate calculated on a secured loan amount of $10,000 over a term of 3 years based on monthly repayments.
(4)Available to new borrowers only.
WARNING: Comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or 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.
| Rates listed are subject to change without notice.
Rates effective from 7th May, 2010 for new members.
Rates effective from the 7th May, 2010 for existing members. | | | | | |
|
