Loan / Credit Card Rates
Our interest rates have been designed with you in mind - our members. We do not inflate rates as we do not have shareholders taking a percentage of our profits. Any profits we make are returned to you through better products, more competitive rates and lower fees.
|Additional Product Information|
Key Fact Sheets
|Home Loans||Intro Rate||Interest Rate||Comparison Rate *|
|Classic Home Loan||N/A||4.49% pa||4.49% pa|
Premium Home Loan
|N/A||3.89% pa||4.26% pa|
Premium Plus Home Loan
|N/A||3.69% pa||4.06% pa|
Platinum Home Loan
|N/A||3.49% pa||3.87% pa|
Smart Start Home Loan
|N/A||3.89% pa||3.89% pa|
|Investment Loans||Intro Rate||Interest Rate||Comparison Rate *|
|Classic Investment Loan||N/A||4.99% pa||5.02% pa|
Premium Investment Loan
|N/A||4.39% pa||4.77% pa|
Premium Plus Investment Loan
|N/A||4.19% pa||4.58% pa|
Platinum Investment Loan
|N/A||3.99% pa||4.38% pa|
- The interest rates above are for Principal and Interest loans.
- Different rates apply to Interest Only loans and Fixed Rate loans.
- Fixed Rate mortgages are available for 1, 2 and 3 years.
- First Option also offers Business Loans and Business Overdrafts.
|Visa Credit Card||Purchase Rate||Cash Advance Rate|
|Low Rate Credit Card||9.99% pa||17.99% pa|
* Home Loan comparison rates are calculated on a loan amount of $150,000 over a term of 25 years
** Personal & Car Loan comparison rates are calculated on a loan amount of $30,000 over a term of 5 years
# Can be fixed for up to 7 years. Variable rate option also available.
WARNING: These comparison rates are 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.