a+ a-

Loans Rates

Attention: open in a new window. Print

Current Loan Rates

Home Loans

FCCS Standard Variable (owner occupied) Home Loan Reference Rate is 5.19% which compares to 5.23% being the average for the four major banks.

Affinity Home Loan Interest Rates p.a. Comparison Rates p.a.
- Owner Occupied - P&I LVR <80% 3.89% 4.19%#
- Owner Occupied - P&I LVR >80% to <90% 3.99% 4.28%#
- Owner Occupied - IO LVR <80% 4.34% 4.63%#
- Owner Occupied - IO LVR >80% to <90% 4.49% 4.78%#
- Investment - P&I LVR <80% 4.29% 4.58%#
- Investment - P&I LVR >80 4.49% 4.78%#
- Investment - IO LVR <80% 4.59% 4.87%#
- Investment - IO LVR >80% 4.79% 5.07%#
Mutual Home Loan Interest Rates p.a. Comparison Rates p.a.
- Owner Occupied - P&I LVR <80% 3.99% 4.01%#
- Owner Occupied - P&I LVR >80% to <90% 4.09% 4.11%#
- Owner Occupied - P&I LVR >90% 4.29% 4.31%#
- Owner Occupied - IO LVR <80% 4.54% 4.56%#
- Owner Occupied - IO LVR >80% to <90% 4.69% 4.71%#
- Owner Occupied - IO LVR >90% 4.79% 4.81%#
- Investment - P&I LVR <80% 4.49% 4.51%#
- Investment - P&I LVR >80 4.69% 4.71%#
- Investment - IO LVR <80% 4.79% 4.81%#
- Investment - IO LVR >80% 4.99% 5.01%#
Relocation Home Loan Interest Rates p.a. Comparison Rates p.a.
- Bridging Finance (with no end loan) 5.69% 5.71%#

# Comparison rates are based on a secured loan amount of $150,000 over a term of 25 years.  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.  Home owners purchasing an existing property, loan term is 6 months. Home owners building a new property, loan term is 12 months. No repayments are needed and interest is capitalised until end of the relocation period.  At the end of relocation period, loan will revert to the Rewards Home Loan rate.

Car & Personal Loans

Interest Rates p.a. Comparison Rates p.a.
Car Loans from 6.95% from 7.22% #
Home Improvement Loans from 9.95% from 10.27% #
Personal Loans from 10.95% from 11.27% #

#Credit eligibility criteria, terms and conditions, fees and charges apply.  Rates are current as at 01/12/2017 and subject to change without notice. Comparison rates are based on a secured loan amount of $30,000 over a term of 5 years.  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.

Credit Facilities

Interest Rates p.a.
Overdraft from 14.30%
Amigo Credit Card Interest Rates p.a.
Balance transfers 6 month introductory offer* 4.99%^
Retail purchases and cash advances 11.99%^
Offer terms and conditions.  Credit eligibility criteria, terms and conditions, fees and charges apply. Rates are current as at 1/7/2017 and subject to change without notice.  *This is an introductory rate for 6 months only on balance transfers.  This introductory rate is for 6 months from funding.  ^After the initial 6 month introductory period, the interest rate of 4.99% p.a. will revert back to the standard credit card rates at the time. Currently this rate is 11.99% p.a.  This offer is only available for new applications and can be withdrawn at any time without notice.  For more information visit www.fccs.com.au. The Amigo Visa Credit Card is issued on behalf of Ford Co-operative Credit Society Limited by Community First Credit Union Ltd ABN 80 087 649 938, AFSL and Australian Credit Licence Number 231204.  Community First is the credit provider and issuer of the credit card.

More Information

Questions?

If you have any questions, please contact us

Please note: Loans are subject to our normal lending criteria.