Date of issue 18 December 2020
Show me interest rates for:
Download Lending Products Interest Rates Schedule
DownloadDownload Everyday Banking & Savings Products Interest Rates Schedule
Download
CUA Everyday Account
This account does not earn interest.
CUA Everyday Snap Account
This account does not earn interest.
CUA Everyday Youth Account
This account does not earn interest.
CUA Everyday 50+ Account
Conditions: Funds are available on call. Interest is calculated on daily balances and paid monthly. Rate applies on a stepped basis. Interest paid at 0.01%p.a. on balances under $5,000, at 0.10%p.a. on balances from $5,000 to $50,000, and at 0.45%p.a. on the portion of the balance over $50,000.
CUA Everyday Business Account
Conditions: Funds are available on call. Interest is calculated daily on whole balances and paid half-yearly.
All balances earn 0.01% interest.
Term Deposits
Conditions: Minimum investment $5,000. Interest is calculated daily on whole balances. To receive the Platinum Plus Club Member rates mentioned below, the account owner of the term deposit must be either an individual aged 55 years or over, or a Super Fund/Trust, where the Trustee is an individual aged 55 years or over.
eSaver Reward Account
eSaver Flexi Account
CUA Youth eSaver Account
Conditions: Interest is calculated on daily balances and paid monthly. Rate applies on a stepped basis. Interest paid at 2.50%p.a. on balances up to $5,000, then at 1.00%p.a. on that portion of the balance over $5,000.
All loans are subject to CUA's normal lending policy. Fees and charges apply. Refer to Schedule of Fees brochure. Conditions apply to 'new business only' offers. Interest rates are on a per annum basis and are subject to change.
Housing Finance Owner/Occupier & Residential Investment
Variable Rates
($100,000 - $249,999)
($250,000 - $499,999)
($500,000 +)
(Reference Rate)
Fixed Rates
Conditions: These interest rates are current as at 18 December 2020 and are subject to change. Fees and charges are payable.
View Interest Rates for Closed Products Show content
These products are no longer available to new accounts.
Home Loans
Personal Loans
Cash Management Account
Conditions: Interest is calculated daily on whole balances and paid monthly.Christmas Club Account
Conditions: Interest is calculated on a daily basis and paid annually on all balances.Everyday 55+ Account
Conditions: Funds are available on call. Interest is calculated on daily balances and paid monthly. Rate applies on a stepped basis. Interest paid at 0.01%p.a. on balances under $5,000, at 0.05%p.a. on balances from $5,000 to $50,000, and at 0.45%p.a. on the portion of the balance over $50,000.
eSaver Boost Account
Conditions: Bonus interest is applied on top of the base rate if deposits totalling at least $250 and no withdrawals are made in the same whole calendar month. Interest is calculated daily on whole balances and paid monthly. Bonus interest is payable only on balances up to $500,000. The base rate of interest will be paid on the portion of any balance exceeding $500,000.
eSaver Extra Account
Conditions: Bonus interest is applied on top of the base rate if deposits totalling at least $250 and no withdrawals are made in the same whole calendar month. Interest is calculated daily on whole balances and paid monthly. Bonus interest is payable only on balances up to $750,000. The base rate of interest will be paid on the portion of any balance exceeding $750,000.
eSaver Account
Conditions: Interest is calculated daily on whole balances and paid monthly.Bonus Saver Account
Includes 0.30% p.a. bonusConditions: Bonus interest is paid if no debit transactions are made on the account during a calendar month and a deposit of at least $50.00 is made to the account during the same calendar month. Interest is calculated daily on whole balances and paid monthly.
CUA eSaver Plus Account
Conditions:Bonus interest is applied on top of the base rate if deposits totalling at least $200 and no withdrawals are made in the same whole calendar month. Interest is calculated daily on whole balances and paid monthly. Bonus interest is payable only on balances up to $1,000,000. The base rate of interest will be paid on the portion of any balance exceeding $1,000,000.CUA FPI Account
Conditions: Interest is calculated daily on whole balances and paid monthly.CUA Cash Hub
Conditions: Interest is calculated daily on whole balances and paid monthly.Serious Saver
Conditions: Funds are available on call. Interest is calculated daily on whole balances and paid half-yearly.
All balances earn 0.01% interest.
Prime Access Account
Conditions: Funds are available on call. Interest is calculated daily on whole balances and paid half-yearly.
All balances earn 0.01% interest.
Freedom Plus Account
This account does not earn interest.
Platinum Plus Account
This account does not earn interest.
Special Purpose Account
This account does not earn interest.
An explanation of comparison interest rates
On all CUA advertisements for home and personal loans, you will see a 'comparison rate' appearing after the interest rate. A comparison rate is a tool designed to help consumers identify the true cost of a loan.
The comparison rate includes the annual interest rate and the upfront and ongoing fees and charges relating to the loan, expressed as a single percentage figure. For example, an advertisement displaying an interest rate of 5.49% p.a. may have a comparison rate of 6.75% p.a.
Under the National Credit Code, all lenders must include a comparison rate, in addition to other prescribed information, when advertising an interest rate.
Compare with caution
Comparison rates can be a useful tool for comparing the overall cost of different loans, however they have some shortcomings. Many add-on features which some members find very valuable are not taken into account in the calculation of the comparison rate.
When choosing a loan, it is important to research the features of each loan to find the product that suits you best. You'll find most of CUA's home loans offer the ability to make additional and lump-sum repayments without penalty, and include free redraws and many other features that are not available from our competitors.
These features are not reflected in our comparison rates.