Loan interest rates

Ultimate Home Loan Package ^^
(effective from Monday 13 May 2013)

	Interest Rate	Comparison Rate
Ultimate Home Loan Package – Discount Variable Rate (with 0.50% discount)	5.54%	5.87%
Ultimate Home Loan Package – Special offer Variable (with 0.70% discount)	5.34%	5.65%*
Ultimate Home Loan Package – Line of Credit (with 0.50% discount)	5.94%	N/A

Fixed Rate Home Loan
(effective from Friday 1 March 2013)

	Interest Rate	Comparison Rate
Discounted 1 Year Fixed ^	5.39%	6.06% *
1 Year Fixed	5.39%	6.06% *
2 Years Fixed	5.34%	5.99% *
3 Years Fixed	5.49%	5.89% *

Variable Rate Home Loan
(effective from Monday 13 May 2013)

	Interest Rate	Comparison Rate
Standard Variable Rate	6.04%	6.13%*
Line of Credit	6.44%	N/A
Home Equity	6.94%	7.65%**

Eco Smart Green Loan
(effective from Monday 15 November 2010)

	Interest Rate	Comparison Rate **
Eco Smart Green Loan	9.09%	9.09%

Personal Loan
(effective from Monday 15 November 2010)

	Interest Rate	Comparison Rate **
Category 1	14.95%	15.49%
Category 2	13.20%	13.81%
Category 3	10.75%	11.36%
Category 4	16.25%	16.79%
Category 5 - New Car Loan A deposit of 20% of the purchase price of the car is required to qualify for this rate.	9.20%	9.82%

Eco Smart Car Loan
(effective from Monday 15 November 2010)

	Interest Rate	Comparison Rate **
Category 6 - Eco Smart Car Loan	9.75%	10.36%
Category 7 - Eco Smart Car Loan A deposit of 20% of the purchase price of the car is required to qualify for this rate.	8.20%	8.82%

Credit Card
(effective from Monday 15 November 2010)

	Variable Rate
Personal Visa Credit Card	13.20%

Please be aware that rates may change at any time without notification. All interest rates quoted are per annum. Fees and charges are payable. Terms and conditions apply and are available on request.
^ This home loan is available only to those who are eligible for the Government’s First Home Owners Grant or for those borrowing no greater than 80% of the value of the property being used as security.
^^ Total borrowing from Queensland Country Credit Union must be $150,000 or more.
*This Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.
**This Comparison Rate is calculated on a loan amount of $25,000 over a term of 5 years based on monthly repayments. These rates are for secured loans.
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 Rate but may influence the cost of the loan. A Comparison Rate schedule is available at any Credit Union branch.