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Central West Credit Union rates
Central West Credit Union (Central West CUL on the Consumer Data Right register) publishes 42 products with a current advertised rate. The rates below are the ones it publishes under the Consumer Data Right today; a rate marked restricted is open only to a stated occupation, employer or membership. Click a product for every rate, its 30-day history and its latest moves, or see every rate in the explorer.
Central West Credit Union's lowest home loan rate is 6.34% on Premium Smart Home Loan, 0.40 points below the median of 6.74%, the median of all 1,247 advertised home loan rates from 83 lenders. Its highest savings account rate is 2.25% on S8 E Access Saver Account, 1.75 points below the median of 4.00%, the median of all 197 advertised savings account rates from 76 lenders. Central West Credit Union repriced 20 products in the last 30 days, most recently lifting S12 Smart on 1 November 2026, from 2.10% to 2.20%.
Home loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| Premium Smart Home Loan | 6.34% | 6.40% |
| Smart Fixed Rate Home Loan 1 year | 6.59% | 7.18% |
| Smart Fixed Rate Home Loan 2 year | 6.59% | 7.14% |
| Smart Fixed Rate Investment Home Loan 1 Year | 6.69% | 7.44% |
| Smart Fixed Rate Investment Home Loan 2 Years | 6.69% | 7.36% |
| Minimiser Home Loan | 7.04% | 7.10% |
| Mortgage Smart Home Loan - Interest Only | 7.15% | |
| Smart Home Loan | 7.15% | 7.21% |
| Smart Investment Home Loan | 7.46% | 7.52% |
| Mortgage Equity Loan | 7.60% | 9.02% |
Savings accounts
| Product | Advertised rate |
|---|---|
| S8 E Access Saver Account | 2.25% |
| Investment Savings | 2.10% |
| S2 Budget Savings Account | 0.05% |
Term deposits
| Product | Advertised rate |
|---|---|
| $5000+ (12m - 24m) I4 | 5.00% |
| $5000+ (12m - 24m) I15 | 4.90% |
| $5000+ (18m - 24m) I17 | 4.90% |
| $5000+ (6m to <12m) I3 | 3.40% |
| $5000+ (3m to <6m) I6 | 3.25% |
| $500+ (12m to 24m) I5 | 2.85% |
| $500+ (3m to <6m) I8 | 2.85% |
| 500+ (6m to <12m) I1 | 2.85% |
Transaction accounts
| Product | Advertised rate |
|---|---|
| S10 Cash Management Account | 2.20% |
| S12 Smart | 2.20% |
| S5 Community Proud Account | 2.20% |
| S6 Golden Account | 2.05% |
| S4 Christmas Club Account | 1.90% |
| S90 Business Smart | 1.75% |
| No 2 Deposit Account | 0.05% |
| S1 On Call Account | 0.05% |
| S7 Whole of Pay Account | 0.05% |
Personal loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| Set-Off Loan | 7.15% | 7.36% |
| Classic Car Loan - New Vehicle | 7.60% | 7.82% |
| Classic Car Loan - Used Vehicle no more than 7 years old | 7.70% | 7.92% |
| Premium Personal Loan | 9.50% | 10.52% |
| Personal Loan | 10.50% | 11.53% |
Business loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| Business Car Loan - New Vehicle | 7.40% | 7.82% |
| Business Car Loan - Used Vehicle 1 to 7 years old | 7.70% | 7.92% |
| Investment Property Loan (non residential) | 8.10% | 8.01% |
| Business Mortgage Loan | 8.15% | |
| Business Loan | 11.70% |
Overdrafts
| Product | Advertised rate |
|---|---|
| S18 Smart Plus (secured by mortgage over residential property) | 7.70% |
| Visa Access Account | 12.50% |
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