| Access
Account (S01) |
| $
5,001 and over |
0.25% |
| $1-$5,000
|
Nil% |
Interest
is calculated on the minimum monthly
balance and paid on 1 April. Interest
is paid on that part of balance
within the tiered rate. |
| |
| On
Call Savings (S02) |
| $50,001
and over |
2.00%
p.a. |
| $30,001-$50,000 |
1.00%
p.a. |
| $
5,001-$30,000 |
0.50%
p.a. |
| $
1-$ 5,000 |
0.25%
p.a. |
Interest is tiered and the interest
is calculated daily on that part
of the balance within the tiered
rate. |
| |
| Deeming
Account (S55) |
| $41,001
and over |
4.00% p.a. |
| $1
- $41,000 |
3.00% p.a. |
You must be over the age of 65
and in receipt of a pension or
social security income. The interest
rate is tiered and paid on that
part of the balance within the
tiered rate. The interest rate
reflects the Government Deeming
Rate, is calculated on the daily
balance and credited twice yearly
on 1 January and 1 July. Your
savings are available at call. |
| |
| Christmas
Club Account (S12) |
| $1
and over |
2.00%
p.a. |
Your savings plus interest is
paid first week in December
and interest is calculated on
the minimum monthly balance.
|
| |
| Achiever
Savings Account (I88) |
| $200
and over |
3.00%
p.a. |
Additional deposits of $50 (min)
are accepted at the same interest
rate and will mature on the same
date as original deposit. Interest
is calculated daily and paid on
maturity. Terms are from 6-24months. |
 |
|
Fixed
Term & Notice Withdrawal Accounts
|
| Income
Accounts |
| 30
Day Notice (S30) |
| $40,001
and over |
4.00%
p.a. |
| $10,001
- $40,000 |
3.00%
p.a. |
| $5,001
- $10,000 |
2.00%
p.a. |
| Monthly
Income Fixed Term Accounts |
| |
$5,000
-
$9,999 |
$10,000
-
$24,999 |
$25,000
-
$49,999 |
$50,000+ |
12 Month
Term (I30) |
2.00%p.a. |
3.00%p.a. |
3.50%p.a. |
4.25%p.a. |
24 Month
Term (I32) |
2.00%p.a. |
3.00%p.a. |
3.75%p.a. |
4.50%p.a. |
|
Interest is calculated daily and
paid by cheque or compounded monthly.
Minimum balance of $5,000
must be maintained. |
| |
| Term
Deposits |
| |
$500
-
$4,999 |
$5,000
-
$9,999 |
$10,000
-
$24,999 |
$25,000
-
$49,999 |
$50,000 - $400,000 |
3 Month
Term (I03) |
2.00%p.a. |
2.25%p.a. |
3.00%p.a. |
3.50%p.a. |
4.25%p.a. |
6 Month
Term (I06) |
2.00%p.a. |
2.25%p.a. |
3.25%p.a. |
3.50%p.a. |
4.50%p.a. |
9 Month
Term (I09) |
2.00%p.a. |
2.25%p.a. |
3.00%p.a. |
3.75%p.a. |
4.50%p.a. |
12 Month
Term (I12) |
2.00%p.a. |
2.50%p.a. |
3.00%p.a. |
4.00%p.a. |
5.00%p.a. |
24 Month
Term (I24) |
2.00%p.a. |
2.50%p.a. |
3.00%p.a. |
4.00%p.a. |
5.25%p.a. |
|
Interest is calculated daily
and paid on maturity. |
| |
| Rainy
Day Account (I90) |
| $10,000
minimum account balance |
4.00%
p.a. |
Rate fixed for three months
and reviewed 3 monthly. Funds
are available on 7 days written
notice. Interest is calculated
daily and paid quarterly or upon
full redemption. |
| |
| Cash
Management Account (S07) |
| $5,000
< $19,999 |
2.00%
p.a. |
| $20,000
< $49,999 |
2.00%
p.a. |
| $50,000
< $99,999 |
2.50%
p.a. |
| $100,000
< $249,999 |
3.00%
p.a. |
| $250,000
& Over |
3.50%
p.a. |
Interest rate fixed weekly each
Wednesday. Deposits fixed for
7 days. Thereafter funds will
be made available on 24 hours
written notice. Interest calculated
daily and paid quarterly. A minimum
account balance of $5,000 must
be maintained. |
|
|
| Mortgage Loans |
|
|
|
*comparison
rate |
| Home/Equity
Loan |
6.60%
p.a. |
*6.67% |
| Investment
Loan |
6.60%
p.a. |
*6.67% |
| Reverse
Mortgage Loan |
6.60%
p.a. |
*6.76% |
* Comparison rate calculated on
$150,000 loan over 25 years |
|
|
|
|
Car
Loans |
|
For a brand
new car;
10% deposit/equity in the car
and borrowing $10,000 or more. |
9.40%
p.a. |
*9.58%
p.a. |
|
For a car
no more than 4 years old;
10% deposit/equity in the car
and borrowing $10,000 or more.
|
10.40%
p.a. |
*10.58%
p.a. |
For
a car no more than 4 years
old;
nil deposit/equity in the car
and borrowing $10,000 or more.
|
11.40%
p.a. |
*11.58%
p.a. |
* Comparison rate calculated on
$30,000 loan over 5 years. All
loans secured by the motor vehicle. |
|
| |
|
|
Personal
Loans |
UnSecured
$10,000 - $20,000
Based on $20,000 over 4yrs. |
12.20%
p.a. |
*12.54%
p.a. |
UnSecured
$5,000 - $10,000
Based on $10,000 over 3yrs. |
13.20%
p.a. |
*13.90%
p.a.
|
UnSecured
$1,000 - $5,000
Based on $5,000 over 2yrs. |
14.90%
p.a. |
*16.41%
p.a. |
|
|
|
|
Line
of Credit |
| Line
of Credit |
14.90%
p.a |
| A
continuing credit arrangement
up to $5,000 |
|
•
There is no qualifying period
for loans and most loans are approved
within 24 hours.
•
No Penalty for additional loan
repayments
• No Penalty
for early loan payout
•
Interest Rates are variable
An establishment fee applies to
all approved loans
|
| Personal
Loans: Less than $5,000 |
$75 |
| $5,001
- $10,000 |
$100 |
| $10,000
- $20,000 |
$125 |
| Mortgage
Loans .5% of the amount borrowed |
(min.
$150) |
Terms
& Conditions are available
on application. Fees & charges
apply to all loans Comparison
rate schedules are available for
your perusal and collection at
our branch.
|
|
|
These rates are
per annum and current at the time of going
to print and subject to change and conditions
as outlined in our Terms & Conditions
booklet which can be obtained at Head Office
or by ringing 9629 4484.
.
Interest rates as at
21 December 2009
Loan rates are
variable.
* Care should be taken in using this comparison
rate. The comparison rate is accurate only
for the example given as other factors including
government fees and charges, redraw fees
or fees for early repayment, may influence
the final cost of the loan.
|
