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Interest Rates

Interest Rates - Telstra Credit Union

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As at
Loan Type
Interest Rate (i)
Comparison Rate (ii)
10 May 2010
Classic Home Loan
7.31% pa
7.38% pa
Titanium Advantage Plus#
6.85% pa
6.92% pa
Titanium Advantage#
7.10% pa
7.17% pa

All in One Mortgage Master
7.57% pa
n/a

Fixed Rate Home Loan
On Request


Interest Only Mortgage
7.31% pa
7.38% pa

Standard Variable Rate
7.31% pa
7.38% pa

As at
Loan Type
Interest Rate (i)
Comparison Rate (ii)
10 May 2010
New Car
9.99% pa
10.20% pa

Used Car
13.55%pa
13.77% pa

As at
Loan Type
Interest Rate (i)
Comparison Rate (ii)
10 May 2010
Personal Loans
14.55% to 18.70%pa
14.72% to 18.87% pa

Cache Money (Personal Overdraft)
15.95% pa
n/a

As at
Card Name
Interest Rate
Interest Free Days
10 May 2010
Titanium 55
12.05% pa
55

Titanium Plus
7.57% pa
35

A Comparison Rate Schedule is available at any branch or by clicking here.

(i) Terms and Conditions, Fees and Charges apply and are available on request.
(ii) WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as early repayment fees or fee waivers, are not included in the comparison rate but may influence the cost of the loan.
* Comparison Rates are Based on $150,000 over 25 years. Secured Loans only.
** Comparison Rates are Based on $30,000 over 5 years. Secured Loans only.
*** Comparison Rates are Based on $30,000 over 5 years. Unsecured Loans only.

# Discounted rate applies for the term of the loan. Conditions apply. Early exit fee for Titanium Advantage Plus.


Date Effective
Balance
Interest Rate
Interest Frequency
21 April 2009
Less than $9,999
0.05% pa
Interest Paid Six Monthly

$10,000 - $49,999
0.10% pa


Over $50,000
0.30% pa


Balance
Interest Rate
Interest Frequency
$0 - $1,999.99
0.50% pa
Interest paid quarterly
$2,000 - $41,999.99
3.00% pa

$42,000 & over
4.50% pa

As at 30 April 2010

Date Effective
Balance
Interest Rate
Interest Frequency
21 April 2009
Less than $5,000
0.20% pa
Interest paid quarterly

$5,000 - $19,999
0.75% pa
Rate applies to total balance

$20,000 - $49,999
1.00% pa


$50,000 - $99,999
1.20% pa


Over $100,000
1.50% pa


Term
Over $100,000
$50,000 to $99,999
$20,000 to $49,999
$5,000 to $19,999
36 months*
6.50% pa
6.50% pa
6.00% pa
5.00% pa
24 months*
5.85% pa
5.85% pa
5.85% pa
5.00% pa
12 months#
6.10% pa
6.00% pa
5.80% pa
5.80% pa
6 months#
4.50% pa
4.00% pa
3.50% pa
3.50% pa
3 months#
3.50% pa
3.50% pa
3.50% pa
3.00% pa
Interest Paid: # on maturity or * 6 monthly and on maturity.
Current deposits $1,000 to $4,999 renewed at 0.50% pa. Rate effective 10 May 2010.

Term
Over $100,000
$50,000 to $99,999
$20,000 to $49,999
$5,000 to $19,999
36 months
6.30% pa
6.30% pa
5.80% pa
4.80% pa
24 months
5.65% pa
5.65% pa
5.65% pa
4.80% pa
12 months
5.90% pa
5.80% pa
5.60% pa
5.60% pa
6 months
4.30% pa
3.80% pa
3.30% pa
3.30% pa
3 months
3.30% pa
3.30% pa
3.30% pa
2.80% pa
Current deposits $1,000 to $4,999 renewed at 0.50%. Rate effective 10 May 2010.

Date Effective
Interest Rate
05 February 2009
1.50% pa

Date Effective
Balance
Interest Rate
Effective 02 June 2010
$0 - $9,999
3.75% pa
Interest is calculated daily on the full balance and paid monthly on the last day of the month.
$10,000 & Over
4.50% pa

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