SOUTH WEST SLOPES CREDIT UNION YOUNG NSW AUSTRALIA

South West Slopes Credit Union provides a range of loan products at very competitive interest rates, for any worthwhile purpose.

All interest rates are variable, there are no application fees or loan administration fees, for any of our loans, and the member has the choice of making repayments weekly, fortnightly or monthly, making budgeting easy.

Instalments may be increased at any time and there is no penalty for early repayment, giving the member flexibility and the opportunity to save on interest charges.

Repayments may be made by direct deduction from your income, debited to your working account or paid over the counter.

Your application may be taken by one of our friendly loans officers, via facsimile or online and an answer will generally be given within 24 hours, so take control of your finances and make an application to-day.

HOME LOANS
VISA CREDIT CARD
PERSONAL LOANS

Home Loans – with redraw facility

South West Slopes Credit Union provides a standard variable rate housing loan, at a very competitive interest rate with the option of redraw facilities. Whether it is your first home, updating to a new home or an investment home, the same terms and conditions apply.

Features
Interest Rate	Standard Variable at competitive rates Current rate
Redraw Option	A redraw facility - make additional repayments to reduce your loan balance and the accrued loan interest and have these funds available for future requirements. Minimum redraw $1,000 Maximum redraw – payments in advance less one month contractual instalment. No redraw fee
Loan Amount	Maximum 90% of security property valuation
Lenders Mortgage Insurance	Applicable if you borrow more than 80% of security property valuation
Loan Term	Up to 30 years
Repayment Options	Weekly Fortnightly Monthly Principal plus interest
Additional Repayments	No restrictions – so you can pay off your loan faster and save on interest costs
Application Fee	None
Account Keeping Fees	None
Establishment Fee	None
Applications	Apply on line Contact our branches Important Information 1. Applications are subject to our normal credit assessment criteria. 2. Terms and Conditions apply. 3. Interest rates may change. 4. Comparison rates are based on a loan amount of $150,000 over 25 years. View the Comparison Rate Schedule. 5. Fees and Charges may apply.

Visa – Credit Card

South West Slopes Credit Union provides a Visa Credit Card, at a very competitive interest rate. Our Visa Classic credit card is acceptable world wide and allows our members access to online shopping.

Features
Interest Rate	Current rate.
Annual Fee	$30.
Limits	Minimum $500. Maximum $20,000.
Interest Free Days	Up to 55 days interest free on purchases. Refer Product disclosure statement.
Addition Card	Free.
Account Access	Visa classic card allows access to own savings and credit limit with the one card.
Additional features	Access to your card balance, transaction history, funds transfer facilities and BPAY 24 hours a day, seven days a week via Phone Banking and Internet Banking.
Payment Options	Over the counter at any branch. Periodic Payments from savings account weekly, fortnightly or monthly by way of minimum monthly payment amount, fixed amount or total balance.
Account Keeping Fees	None
Establishment Fee	None
Applications	Apply on line Contact our branches Important Information 1. Applications are subject to our normal credit assessment criteria. 2. Terms and Conditions apply. 3. Interest rates may change. 4. Fees and Charges may apply. 5. Please refer to our VISA Conditions of Use. for further information.

Personal Loans

South West Slopes Credit Union provides personal loans for any worthwhile purpose. Our flexible terms allow us to find a repayment that suits your budget.

Whether it is for those dreams or the necessities in life, or to consolidate other debts, South West Slopes Credit Union has the flexible terms to allow us to find a repayment that suits your budget.

Here are some of the purposes for a South West Slopes Credit Union personal loan:

Motor Vehicle
Furniture
Home Improvements
Holiday
Caravan or Boats
Education or Medical expenses
Personal Computers
Consolidation of existing debts

Features
Interest Rate	Both Secured and Unsecured at competitive rates All interest rates are variable and charged on a monthly basis. Current rate
Loan Amount	Maximum $80,000
Loan Term	Up to 84 months
Repayment Options	Weekly Fortnightly Monthly Principal plus interest
Additional Repayments	No restrictions – so you can pay off your loan faster and save on interest costs
Application Fee	None
Account Keeping Fees	None
Establishment Fee	None
Early Repayment Fee	None
Approval	Assessment by local team & approval within 24 hours
Applications	Apply on line Contact our branches Important Information 1. Applications are subject to our normal credit assessment criteria. 2. Terms and Conditions apply. 3. Interest rates may change. 4. Fees and Charges may apply 5. Please refer to our Product Disclosure Statement for further information.