My Credit Union

Fixed Rate Personal Loan



6.90% pa
Interest Rate

7.50% pa1
Comparison Rate

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A secured, fixed rate personal loan providing certainty of your loan repayment.

  • secured* by a registered motor vehicle, term deposit or residential mortgage
  • a wide range of uses, from purchasing a new or used car, to a holiday, covering wedding expenses etc.
  • can be used to refinance high interest personal debt
  • redraw facility
  • borrow up to $75,000
  • loan period up to 7 years
  • monthly, fortnightly or weekly repayments
  • make variable and lump sum repayments2

  Fixed Rate Personal Loan Features:
Fixed Rate Personal Loan (Secured)
Best Interest Rate
Fixed interest rate6.90% pa
Comparison rate7.50% pa1
Establishment fee$150 
Annual fee$0 
Monthly fee$5 
Maximum Amount$75000
Maximum term (years)7 
Redraw facilityYes 
Loan repayment insuranceNo 
Additional repayments acceptedYes 
Additional repayments fee$20 2
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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How much can I borrow?

Use your income and expenses to estimate how much you may be able to borrow.


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:

*The registered motor vehicle could be a car, motor bike, motor home or truck, or caravan for instance. The SERVICE ONE Alliance Bank term deposit should be equal to or more than the total loan.

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.

WARNING: 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.

1 Comparison rate calculated on a secured loan amount of $30,000 over a term of 5 years based on monthly repayments.

2 Early Repayment Fee payable when a loan is repaid by 50% or more before the term of the contract ends.