Credit
Facilities
| SmartCash | 4.00% p.a.** |
| Visa/Overdraft | 13.45%pa |
** for funds used before 31st October 2005, then reverts to our low variable rate, currently 12.95%p.a. Loans
| Car Loans |
| Brand New Cars (up to 24 months old) |
From 7.85%pa | Comparison
Rate: 7.95%pa* |
| Fixed
Rate for new cars (models up to 24 months old, option to fix rate for 5 years) |
From 9.25%pa fixed | Comparison
Rate: 9.35%pa** |
| Near
New Cars (Models 24-60 months old) |
From 9.50%pa | Comparison
Rate: 9.69%pa*** |
| Older Cars (Models 61-144 months old) |
From 10.99%pa |
Comparison Rate: 11.52%pa**** |
* This comparison rate applies to a new secured car loan of $30,000 over a term of 5 years.
** This comparison rate applies to a new secured car loan of $30,000 over a term of 5 years.
*** This comparison rate applies to a car loan of $20,000 over a term of 4 years.
**** This comparison rate applies to a car loan of $10,000 over a term of 3 years.
WARNING: Costs such as redraw fees or early repayment fee, 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 subject to change. Lending conditions apply. Fees & charges may apply. Terms and conditions apply and are available on request. | | | | |
| | |
| Personal Loans |
Home Equity Loan
40% equity in home after all debts considered. Unsecured. | 11.25%pa | Comparison
Rate: 11.44%pa* |
|
Special Equity Loan
5 years or more with the public service or 0% to 40% equity in home after all debts considered. Unsecured. |
13.25%pa |
Comparison Rate: 13.50%pa** |
|
Personal Loan
Unsecured. For any worthwhile purpose. |
15.25%pa |
Comparison Rate: 15.77%pa*** |
|
* This comparison rate applies to a personal loan of $20,000 over a term of 4 years.
*
* This comparison rate applies to a personal loan of $15,000 over a term of 4 years.
*** This comparison rate applies to a personal loan of $10,000 over a term of 3 years.
WARNING: Costs such as redraw fees or early repayment fee, 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 subject to change. Lending conditions apply. Fees & charges may apply. Terms and conditions apply and are available on request. | | | | |
| | |
| Home Loans |
| Owner Occupied Home Loans | | Easy
Living Home Loan | 5.70%pa * | Comparison
Rate: 7.16%pa | | (*special discounted introductory variable rate for first 12 months, then reverts to standard variable rate, currently 7.30%pa). Conditions apply to this special discounted rate.
| | The Original Home Loan | 6.79%pa variable | Comparison
Rate: 6.83%pa | |
| | Home Action Loan | 7.30%pa variable | Comparison
Rate: n/a | | 2
Year Fixed Term | 7.25%pa fixed | Comparison
Rate: 7.29%pa | | 3
Year Fixed Term | 7.10%pa fixed | Comparison
Rate: 7.24%pa | | Investment
Home Loans | Easy Living Investment Loan
(*introductory variable rate for first 12 months, then reverts to standard investment variable rate, currently 7.45%pa)
A monthly administration fee of $8.00 applies to all investment loans. | 5.85%pa * | Comparison
Rate: n/a | | | |
Fees and Charges apply.
Terms and conditions available upon application.
Information accurate as at 20/09/04 but subject to change. | WARNING:
These comparison rates apply to Home Loans for $150,000 over a term of 25 years.
Different amounts and terms will result in different comparison rates. Costs such
as redraw fees or early repayment fee, 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 subject to change. Lending conditions apply. Fees & charges may apply.
Terms and conditions apply and are available on request. |
| |
(Please note: This document is a Portable Document File (PDF) and will
require a copy of Adobe® Acrobat® Reader™ to view.
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Savings
| Action Account
(S1) | | Balance $50,000 plus | 1.75%p.a. |
| Balance $20,000- $49,000 | 1.25%p.a. |
| Balance $5,000 – $19,999 | 0.50%p.a. |
| Balance $0 – $4,999 | 0.00%p.a. |
| (Interest calculated on DAILY balances paid 31st December, 30th June and calculated on PORTIONS of the balance held). |
| MoneyMaker Account
(S5) (Cash Management Account) |
| Balance $100,000 Plus | 5.25%p.a. |
| Balance $50,000 – $99,999 | 3.75%p.a. |
| Balance $20,000 – $49,999 | 3.25%p.a. |
| Balance $5,000 – $19,999 | 1.75%p.a. |
| Balance $0 – $4,999 | 0.00%p.a. |
| (Interest on DAILY balances, Available on CALL, Interest calculated on the WHOLE BALANCE, Interest Paid MONTHLY; 5 free withdrawals per month). |
| Christmas Club
(S7) | | Balance $0 Plus | 0.75%p.a. |
| (Interest calculated on DAILY balances paid 1st November and calculated on the Whole Balance). |
| | | Fees & Charges apply. Please refer to our Fees & Charges and Transaction Limits brochure. The S1 Action Account, S5 MoneyMaker Account and S7 Christmas Club Account are issued by Queenslanders Credit Union Ltd. These accounts are available through the one consolidated financial product, the Queenslanders Credit Union Account & Access Facility. You should consider the Product Disclosure Statement in deciding whether to buy or hold this product. A Product Disclosure Statement is available on request at a Queenslanders Credit Union branch. Interest rate information is accurate but subject to change.
|
Term
Deposits
| Interest Paid
on Maturity or Annually | | Minimum
Deposit | $1,000 | $5,000 | $20,000 | $50,000 | $100,000 |
| 1 month | – | 3.05% | 4.05% | 4.40% | 5.00% |
| 2 months | – | 3.10% | 4.10% | 4.55% | 5.05% |
| 3-5 months | 3.00% | 4.85% | 5.30% | 5.35% | 5.35% |
| 6-8 months | 3.75% | 5.30% | 5.45%* | 5.45%* | 5.45%* |
| 9-11 months | 3.85% | 5.30% | 5.40% | 5.45% | 5.50% |
| 12-23 months | 4.00% | 5.50% | 5.60% | 5.65% | 5.70% |
| 24-36 months | 4.20% | 5.50% | 5.65% | 5.70% | 5.70% |
| * Special Offer for a limited time only |
| Interest
Paid Six Monthly | | Minimum
Deposit | $1,000 | $5,000 | $20,000 | $50,000 | $100,000 |
| 12-23 months | – | 5.40% | 5.50% | 5.55% | 5.60% |
| 24-36 months | – | 5.40% | 5.55% | 5.60% | 5.60% |
| Interest
Paid Quarterly | | Minimum
Deposit | $1,000 | $5,000 | $20,000 | $50,000 | $100,000 |
| 12-23 months | – | 5.35% | 5.45% | 5.50% | 5.55% |
| 24-36 months | – | 5.35% | 5.50% | 5.55% | 5.55% |
| Interest
Paid Monthly | | Minimum
Deposit | $1,000 | $5,000 | $20,000 | $50,000 | $100,000 |
| 12-23 months | – | 5.30% | 5.40% | 5.45% | 5.50% |
| 24-36 months | – | 5.30% | 5.45% | 5.50% | 5.50% |
| | | Fees & Charges apply. Please refer to our Fees & Charges and Transaction Limits brochure. Term Deposits are issued by Queenslanders Credit Union Ltd. This account is available through the one consolidated financial product, the Queenslanders Credit Union Account & Access Facility. You should consider the Product Disclosure Statement in deciding whether to buy or hold this product. A Product Disclosure Statement is available on request at a Queenslanders Credit Union branch. Interest rate information is accurate but subject to change.
| Fees
& Charges & Transaction Limits
|
