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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 3.98% pa 4.54% pa2
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% pa3 3.99% pa4
Platinum Investment Home Loan 3.99% pa 4.11% pa5
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% pa6
 

Current Car and Personal Loan Interest Rates

Loan Type Interest Rate Comparison Rate
Low Rate Car Loan  6.99% pa 7.91% pa7
Secured Personal Loan 9.45% pa 10.36% pa7
Unsecured Personal Loan 11.99% pa 15.44% pa6
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 $50,200 1.50% pa
>$50,200 to $250,000 3.00% pa
>$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 $83,400 1.50% pa
>$83,400 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 1.30% pa

 

XLR8  
Balance Interest Rate
All balances 2.00% pa8
 

Current Investment Account Interest Rates

Investor Accounts Balance Interest Rate
Premium Online Investor Account All balances 2.15% pa9
Retiree Online Investor Account All balances 2.00% pa10

 

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 2.35% pa
$5,000 12 monthly 2.45% 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 2.33% pa
$5,000 12 months 2.42% pa

 

Fixed Term Deposit - Interest Paid Quarterly     
Minimum Amount Term
Interest Rate
$5,000 24 months 2.85% 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 fees. The comparison rate is 4.56% if the application and valuation fees are not waived. 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 Rate only available for Owner Occupied loans.

4 The comparison rate is calculated on a secured loan of $150,000 for a term of 25 years. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

5 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.

6 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.

7 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.

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

9 Interest is only payable in calendar months where no withdrawals or transfers have occurred. Available via online application only.

10 Minimum age of 55 years. Interest is only payable in calendar months if no more than one withdrawal or transfer has occurred. Available via online application only.

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