RateGapevery home loan rate lenders publish, compared

Credit Union SA home loan rates

Have a loan with Credit Union SA? Compare your rate

90 advertised rates across 25 products, published by Credit Union SA under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed.

Where it sits

Every home loan Credit Union SA advertises for a home you live in and pay down is for a particular group only, and who each one is for is listed below. So there is no rate here that anyone could take, and nothing to read against the going rate.

Restricted to particular groups

ProductWho it is forRate
3-Year Fixed 40 Year Home Loan Package a particular group only, per its published conditions 5.99%
Variable Home Loan Package Specials a particular group only, per its published conditions 6.04%
XL Interest Only Home Loan Package a particular group only, per its published conditions 6.04%
40 Year Home Loan Package a particular group only, per its published conditions 6.04%
2-Year Fixed 40 Year Home Loan Package a particular group only, per its published conditions 6.09%
3-Year Fixed Home Loan Package Principal and Interest a particular group only, per its published conditions 6.24%
Interest Only 40 Year Home Loan Package a particular group only, per its published conditions 6.29%
1-Year Fixed 40 Year Home Loan Package a particular group only, per its published conditions 6.29%
2-Year Fixed Home Loan Package Principal and Interest a particular group only, per its published conditions 6.34%
3-Year Fixed Home Loan Package Interest Only a particular group only, per its published conditions 6.74%
1-Year Fixed Home Loan Package Principal and Interest a particular group only, per its published conditions 6.79%
Investment Variable Home Loan Package Interest Only a particular group only, per its published conditions 6.79%

The data says a product is restricted. It never says whether you would get it. On the comparison every one of these can be put back with a click, and every figure is worked out again.

What changed

Credit Union SA last moved a rate on Wednesday 28 October. Every rate is read each morning and has come back the same since.

Every lender that publishes rates, and every rate move since capture began.

Does this look wrong? or could it be better

Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what Credit Union SA told you, it is usually one of these.

The published data is wrong

Credit Union SA publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.

Everything identifying the feed is filled in below. The one part left is what you saw.

Consumer Data Right — Product Reference Data quality

Data holder brand: Credit Union SA
ABN: 36087651232
Product Reference Data endpoint: https://openbanking.api.creditunionsa.com.au
Data read from that endpoint on: Sunday 1 November
Rate lines published at that time: 90

What appears to be wrong:
[describe what you checked, and what the published data says]

This data is published under the Product Reference Data standard and is
available publicly, without authentication or a consumer consent.
Open the report form in a new tab ↗

The form is run by the Consumer Data Right, not by this site. Nothing you type here is sent anywhere — the text above is yours to copy.

This page reads it wrongly

The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. Tell me and I will fix it, and say which lender so I can find the row.

Something is missing

A figure this page should show and does not, or a lender that should be here and is not. Tell me through the feedback box. The data behind every page here is free to download if you would rather check it yourself first.

Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. Who made this. What this site collects.

More from the data

Building something with this? There is an API, and the data is free.

This morning: the market, variable rates, fixed rates and what moved this week.

Found in the data: what lenders charge above 80%, the rate a fixed loan rolls onto and what a comparison rate adds. Also what an offset costs, and what investors pay on top.