XL Home Loan Package

Credit Union SA's XL Home Loan Package is a home loan. The figures are the ones Credit Union SA publishes under the Consumer Data Right today. The advertised rate last moved on 8 October 2026, up from 6.04% to 6.29%.

Advertised rate

6.29%

headline tier

Comparison rate

6.65%

as published

Last moved

+0.25pp

8 October 2026

Advertised rate, last 30 days. Between 6.04% and 6.29% over the last 30 days.

Every current rate (3)

Tier	Rate	Comparison
Variable, Owner occupier, P&I, LVR up to 60%40 Year Variable Package <60% LVR	6.29%	6.65%
Variable, Owner occupier, P&I, LVR 60 to 80%40 Year Variable Package <80% LVR	6.34%	6.71%
Variable, Owner occupier, P&I, LVR 80 to 97%40 Year Variable Package <97% LVR	7.24%	7.59%

Rate moves, last 30 days

8 October 2026: 3 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 60%, from 6.04% to 6.29%.

Published fees

Fee	Amount
Application feeupfront	$0
Increase an existing home loan packagewhen it happens	$0
Annual feerecurring	$395
Settlement feeupfront	$0
Split Loan Feewhen it happens	$150
Split Loan Feewhen it happens	$100
Guarantor Application Feewhen it happens	$200

Other Credit Union SA home loans

3-Year Fixed Home Loan Package Principal and Interest 6.24%3-Year Fixed XL Home Loan Package 6.24%Interest Only 40 Year Home Loan Package 6.29%Variable Home Loan Package Specials 6.29%XL Interest Only Home Loan Package 6.29%2-Year Fixed Home Loan Package Principal and Interest 6.34%2-Year Fixed XL Home Loan Package 6.34%Variable Home Loan Package Specials 6.34%3-Year Fixed Home Loan Package Interest Only 6.74%1-Year Fixed Home Loan Package Principal and Interest 6.79%1-Year Fixed XL Home Loan Package 6.79%2-Year Fixed Home Loan Package Interest Only 6.84%

Get an email the morning Credit Union SA moves this rate.

Every Credit Union SA rate · every home loan rate compared · other lenders · this product in the explorer.