SOUTH WEST SLOPES CREDIT UNION YOUNG NSW AUSTRALIA

Notice: All interest rates are variable. The loan interest is calculated on the daily balance outstanding and is charged in arrears to a members account on the last day of each month. Savings account interest is calculated on the daily balance outstanding and credited to the members account on the 30th June Annually. Interest on Xmas Club Accounts is paid on the 30th November Annually. Term Deposit interest is paid on the maturity of the deposit unless otherwise negotiated at the time of the deposit.

SAVINGS ACCOUNTS
TERM DEPOSITS
LOAN ACCOUNTS
COMPARISON RATES

Deposit Accounts

SAVINGS ACCOUNTS	Effective:05/11/10
Account Type	Interest Rate
Savings	0.25%
7 Days Notice	0.50%
Christmas Club	1.50%
Super Saver	1.50%
BU Teenagers Savings Account	1.50%

Term Deposits (Investments)

		Effective 19 December 2011
	3 Months	6 Months	9 Months	12 Months
from $500 to $9,999	5.00%	5.00%	5.00%	5.00%
from $10,000 to $49,999	5.25%	5.25%	5.00%	5.00%
from $50,000	5.50%	5.50%	5.00%	5.00%

Loan Accounts

	Effective:12/12/11
Loan Type	Interest Rate
Housing Loans	6.55%
Personal Loans - Secured	8.95%
Personal Loans - Unsecured	12.95%
Commercial Loans - Secured	From 8.95%
Commercial Loans – Unsecured	From 12.95%
VISA Classic Credit Card	13.95%
Overdraft	12.50%

Loan Comparison Rates


The below are common examples only Various amounts and terms available to approved applicants. The below comparison rates are all per annum, based on MONTHLY repayments.
Effective: 12/12/11
Loan Type	Amount	Terms	Comparison Rate
Home Loan	$150,000	25 years	6.55%
Personal Loan - Secured	$50,000	7 years	8.95%
Personal Loan - Unsecured	$20,000	4 years	12.95%

WARNING
The comparison rates apply only to the 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. Fees, charges, terms and conditions may apply.