My Credit Union




16.50% pa
Interest Rate


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A continuing line-of-credit attached to your Day to Day Savings Account when you need it.

  • no security required
  • interest calculated daily and only on the amount drawn down – not your available credit limit
  • credit limit from as little as $1,000, up to $50,000
  • continuing credit facility
  • overdraft attached to your Day to Day Savings Account for convenience
  • draw up to the maximum credit limit at any time

  Overdraft Features:
Interest Rate
Variable interest rate16.50% pa
Establishment fee$150 
Monthly fee$0 
Annual fee$30 1
Fixed discharge fee$0 
Minimum amount$1000 
Redraw facilityNo 
Loan repayment insuranceNo 
Additional repayments acceptedYes 
Additional repayments fee$0 
Periodic paymentsYes 
ATM/EFTPOS accessYes 
Branch accessYes 



Discounts on everyday banking

Those who borrow with us save more on everyday banking fees.

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Personal loan options

Overdraft not quite what you’re after? Maybe a personal loan is more suited to your needs.

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Credit Card

Our low rate, low fee credit card with interest free period provides access to extra funds should you need it.

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  Related information:


Things you should know:

Terms and conditions apply and fees and charges are payable. Lending criteria apply. Full details available on application. Some loan services require a separate application and are subject to assessment.

1 Overdraft Annual Fee varies depending on overdraft amount - $30 for overdrafts of $5k or less, $100 for overdrafts of more than $5k.