Interest Rates

For our current interest rates select from the menu below.

Savings Accounts
Term Deposits
Loan Accounts

To find out more about our special offers, Click here.

Savings Accounts Interest Rates
Effective 1 June 2010

Rediaccess Account	Rate (% pa)
$2,000 - $9,999.99	0.05%
$10,000 +	0.10%

Interest is calculated daily on the entire balance at the applicable interest rate. Interest is paid quarterly on 31 March, 30 June, 30 September and 31 December.

Busiaccess account	Rate (% pa)
$2,000 - $9,999.99	0.05%
$10,000 +	0.10%

Interest is calculated daily on the entire balance at the applicable interest rate. Interest is paid quarterly on 31 March, 30 June, 30 September and 31 December.

Special Saver Account	Rate (% pa)
$1 - $1,999.99	0.25%
$2,000 - $4,999.99	0.50%
$5,000 - $9,999.99	0.75%
$10,000 - $24,999.99	1.25%
$25,000 +	1.75%

Interest is calculated daily on the entire balance at the applicable interest rate. Interest is paid quarterly on 31 March, 30 June, 30 September and 31 December.

Investment Saver Account	Rate (% pa)
$1 - $4,999.99	1.00%
$5,000 +	4.50%

Interest is calculated daily on the entire balance at the applicable interest rate. Interest is paid monthly on the last day of the month.

Bonus Saver Account	Rate (% pa)
$1 +	2.00%*
$1 +	5.25%^

*If withdrawal during month
^If no withdrawal during month
Interest is calculated daily on the entire balance at the applicable interest rate. Interest is paid monthly on the last day of the month.

For deposits over $250,000, rates are negotiable and available on application.

Term Deposit Interest Rates
Effective 1 June 2010

Minimum Deposit	3 months Rate (% pa)	6 months Rate (% pa)	9 months Rate (% pa)	12 months Rate (% pa)	24 months Rate (% pa)	Special Offer 7 months Rate (% pa)
$2,000	2.50%	2.50%	2.50%	3.75%	4.00%	N/A
$5,000	3.75%	3.50%	3.50%	4.50%	5.00%	4.50%
$10,000	4.00%	4.50%	4.50%	5.75%	6.00%	6.00%
$25,000	4.00%	5.00%	5.00%	6.00%	6.25%	6.00%
$100,000	4.50%	5.00%	5.00%	6.25%	6.50%	6.00%

Interest is calculated daily on the entire balance for the applicable period. Interest is paid in maturity or annually for terms over 12 months.

For deposits over $250,000, rates are negotiable and available on application.

Deposit Guarantee

All AMP Credit Union deposits are guaranteed by the Federal Government up to $1 million per depositor.

Loan Interest Rates
Effective 1 June 2010

Home Loan - Standard Variable	Basic Rate (% pa)	Basic Comparison (% pa)	Premium Rate (% pa)	Premium Comparison (% pa)
Housing Loan	6.44%	6.51%~	6.64%	6.71%~
Investment Loan	6.44%	6.51%~	6.64%	6.71%~

~Based on secured loan of $150,000 over 25 years.

Home Loan - Fixed Rate	1 Year Fixed Rate (% pa)	1 Year Fixed Comparison (% pa)	2 Year Fixed Rate (% pa)	2 Year Fixed Comparison (% pa)
Housing Loan	6.99%	6.57%~	7.49%	6.72%~
Investment Loan	6.99%	6.57%~	7.49%	6.72%~

~Based on secured loan of $150,000 over 25 years.

Car Loan - Secured	Rate (% pa)	Comparison (% pa)
Secured by car up to 3 years old	8.75%	8.75%*

*Based on secured loan of $10,000 over 3 years.

Personal Loan	Rate (% pa)	Comparison (% pa)
Home owners and buyers	10.95%	10.95%*
Other borrowers	12.95%	12.95%*
Special offer#	9.99%	9.99%*

*Based on unsecured loan of $10,000 over 3 years.
#Limited time only. For new loans of $10,000 or more.

Overdraft	Rate (% pa)	Comparison (% pa)
Redicredit	11.99%	N/A

WARNING:
These Comparison Rates apply 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 Rates but may influence the cost of the loan.

For downloadable versions, please click below.

Interest Rate Schedule and Availability of Access Facilities

Loan Interest Rates

Note: These forms are provided in pdf format and require Adobe Acrobat Reader®. You can download the FREE Adobe® Reader® by clicking on the button below.