My Credit Union


Keep your savings intact while borrowing.

Your savings will earn interest in a Term Deposit and provide 100% security for your loan. This is a great way to keep your savings intact while you borrow at a low rate.

4.45% pa
Variable Interest Rate

4.65% pa1
Comparison Rate

  • Approval within 24-48 hrs for any worthwhile purpose
  • Early repayment without penalty
  • You get a low rate of interest on your loan whilst still earning interest on your term deposit
  • No monthly account keeping fees


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Term Deposit Secured Loan
Interest Rates
Variable interest rate4.45% pa
Comparison rate4.65% pa1
Establishment fee$150 
Annual fee$0 
Monthly fee$0 
Redraw fee$0 
Minimum amount$1,000 
Maximum amount$80,000 
Maximum term (years)7 
Redraw facilityYes  
Additional repayments acceptedYes 


1 Comparison rate based on a $30,000 loan over 5 years unsecured. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.