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Rates & Fees

At Hunter United, we offer a welcome alternative to the Big Banks. We aren’t driven by the need to generate dividends for shareholders because we’re customer-owned and exist for the benefit of our customers.

 

 

Current Home Loan Interest Rates

Loan Type Interest Rate Comparison Rate
1 Year Fixed Rate  4.25% pa 4.64% pa1
2 Year Fixed Rate 4.08% pa 4.58% pa1
3 Year Fixed Rate 4.40% pa 4.63% pa1
Basic Variable 4.55% pa 4.67% pa1
Platinum Owner Occupied Home Loan 3.87% pa 3.97% pa2
Platinum Investment Home Loan 3.99% pa 4.11% pa3
Package 4.69% pa 4.97% pa1
Interest Only 4.90% pa 4.93% pa1
Home Equity Line of Credit 5.49% pa
 

Current Green Loan Interest Rates

Loan Type Interest Rate Comparison Rate
Green Home Loan 4.50% pa 4.62% pa1
Green Personal Loan 7.99% pa 11.46% pa4
 

Current Car and Personal Loan Interest Rates

Loan Type Interest Rate Comparison Rate
Low Rate Car Loan  6.99% pa 7.91% pa5
Secured Personal Loan 9.45% pa 10.36% pa5
Unsecured Personal Loan 11.99% pa 15.44% pa4
Unsecured Personal Overdraft 15.40% pa
 

Current VISA Credit Card Interest Rates

Home Loan Visa Credit card Interest Rate
Purchase Rate 11.49% pa
Cash Advance Rate 16.49% pa

 

Visa Credit card Interest Rate
Purchase Rate 11.99% pa
Cash Advance Rate 16.99% pa
 

Current Transaction Accounts

Cash Management  
Balance Interest Rate
$1 - $5,000 0.00% pa
$5,00 - $20,000 0.01% pa
$20,001 - $100,000 0.01% pa
$100,001 and above 0.75% pa

 

V.I.P. Pension Account - Single Account  
Balance Interest Rate
$0 to $2,000 0.50% pa
>$2,000 to $49,200 1.50% pa
>$49,200 to $250,000 3.00% pa6
>$250,000 2.50% pa

 

V.I.P. Pension Account - Joint Account  
Balance Interest Rate
$0 to $2,000 0.50% pa
>$2,000 to $81,600 1.50% pa
>$81,600 to $250,000 3.00% pa
>$250,000 2.50% pa
 

Current Savings Account Interest Rates

e-ZYNET Direct Account  
Balance Interest Rate
$1 - $5,000 0.90% pa
$5,001 and above 1.40% pa

 

XLR8  
Balance Interest Rate
All balances 2.10% pa7
 

Current Investment Account Interest Rates

Investor Accounts Balance Interest Rate
Premium Online Investor Account All balances 2.25% pa8
Retiree Online Investor Account All balances 2.00% pa9

 

Fixed Term Deposit - Interest Paid on Maturity     
Minimum Amount  Term Interest Rate % p.a.
$2,000 6 - 12 months 2.00% pa
$5,000 3 months 2.30% pa
$5,000 4 - 11 months 2.40% pa
$5,000 12 monthly 2.50% pa

 

Fixed Term Deposit - Interest Paid Monthly     
Minimum Amount Term
Interest Rate % p.a.
$5,000 3 months 2.28% pa
$5,000 4 - 11 months 2.37% pa
$5,000 12 months 2.47% pa

 

Fixed Term Deposit - Interest Paid Quarterly     
Minimum Amount Term
Interest Rate
$5,000 24 months 3.00% pa
 

Current RSA Super Fund Interest Rates

Interest Paid Monthly    
Balance Interest Interest Benefit*
$1 - $1,999 0.05% pa $0.99 p.a.
$2,000 - $9,999 0.05% pa $4.99 p.a.
$10,000 - $19,999 0.30% pa $59.99 p.a.
$20,000 - $49,999 0.80% pa $399.99 p.a.
$50,000 and above 1.30% pa $910.00 p.a.**
 

Current RSA Pension Fund Interest Rates

Interest Paid Monthly  
Variable Option 2.00% pa

 

Interest Paid on Maturity  
Fixed Term Options  
6 months 2.05% pa
12 months 2.15% pa
24 months 2.25% pa
 

Detailed Interest Rates, Fees and Charges for all our Products

 

 

*Projected interest earned annually based on the highest balance for each interest rate band (before tax). Illustrations only. Daily interest based on whole balance credited monthly. Excludes compound interest – actual interest payments may be higher.

**Based on $70,000. Tiered interest.

1 The comparison rate is calculated on a secured loan of $150,000 for a term of 25 years. WARNING: This comparison is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

2 The comparison rate is calculated on a secured loan of $150,000 for a term of 25 years, includes offer of $0 application and $0 valuation fee. The comparison rate is 3.99% if the application and valuation fee is not waived. However, please note that the Platinum Home Loan Owner Occupied is unavailable for loan amounts less than $300,000. WARNING: This comparison is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

3 The comparison rate is calculated on a secured loan of $150,000 for a term of 25 years. However, please note that the Platinum Home Loan Investment is unavailable for loan amounts less than $300,000. WARNING: This comparison is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

4 The comparison rate is calculated on an unsecured loan amount of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

5 The comparison rate is calculated on a secured loan amount of $30,000 for a term of 5 years. WARNING:This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

6 Strata Interest – Different interest rates apply to different portions of your account balance.

7 Interest is only payable in calendar months where at least one deposit (min $50) is made and no withdrawals or transfers have occurred.

8 Interest is only payable in calendar months where no withdrawals or transfers have occurred. Available online at hunterunited.com.au only.

9 Minimum age of 55 years. Interest is only payable in calendar months if no more than one withdrawal or transfer has occurred. Available online at hunterunited.com.au only.

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