Christmas Closure Notice Transport Mutual Credit Union will be closed on Thursday 25 December and Friday 26 December. We will reopen on Monday 29 December. We wish all our members a safe and happy holiday season.

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Interest Rates

Keep informed on all the latest interest rates for savings, loans and investments as well as any fees and charges.

 

Home Loan and Investment Interest Rates

Rates current as at 01st September 2025

  Interest rate Comparison rate
Basic Variable Home Loan 5.49% p.a. 5.57% p.a.

 

  Interest rate Comparison rate
1 year Fixed | Principal & Interest 4.99% p.a. 5.21% p.a.
2 year Fixed | Principal & Interest 5.54% p.a. 5.30% p.a.
1 year Fixed | Interest Only 6.49% p.a. 6.33% p.a.
2 year Fixed | Interest Only 6.24% p.a. 6.31% p.a.

 

  Interest rate Comparison rate
1 year Fixed | Investment 6.19% p.a. 6.09% p.a.
2 year Fixed | Investment 6.04% p.a. 6.08% p.a.

 

  Interest rate Comparison rate
Home Loan - Interest Only Variable 6.24% p.a. 6.31% p.a.
  Interest rate Comparison rate
Standard Variable Home Loan 5.74% p.a. 5.82% p.a.
  Interest rate Comparison rate
Refi Home Loan - Owner Occupied Variable 5.14% p.a. 5.22% p.a.
Refi Home Loan - Investment Variable 5.99% p.a. 6.07% p.a.

 

Personal and Car Loan Rates

Rates current as at 22nd November 2023

  Interest rate Comparison rate
FASTROAD New (0 to 5 years old) 7.14% p.a. 7.45% p.a.
  Interest rate Comparison rate
FASTROAD Used (over 5 years old 9.14% p.a. 9.49% p.a.
  Interest rate Comparison rate
GreenRoad Loan 6.89% p.a. 7.20% p.a.
  Interest rate Comparison rate
Travel Loan 11.64% p.a. 11.92% p.a.
  Interest rate Comparison rate
Credit Card Crusher 11.89% p.a. 12.18% p.a.
  Interest rate Comparison rate
Unsecured Personal Loan From 11.14% p.a. From 11.42% p.a.

Savings Interest Rates

Multi-Access Interest rate
Up to $4,999.99 0.015% p.a.
$5,000 - $19,999.99 0.02% p.a.
$20,000 - $49,999.99 0.045% p.a.
$50,000 & Over 0.075% p.a.
Redifund Interest rate
$5,000 - $9,999.99 1.05% p.a.
$10,000 - $24,999.99 1.10% p.a.
$25,000 - $49,999.99 1.15% p.a.
$50,000 - $99,999.99 1.20% p.a.
$100,000 - $249,999.99 2.25% p.a.
$250,000 plus 2.35% p.a.
Premium Savers Accounts Interest rate
$10,000 & Over 2.25% p.a.
Kid Savers Accounts Interest rate
Up to $10,000 Earn up to 3.50% p.a.
Christmas Club Account Interest rate
All balances 3.00% p.a.

Term Deposit Rates

Rates current as at 05th June 2025

Term Deposits (minimum $1000) Interest rate
Paid on maturity or 6 monthly		 Interest rate
Paid 4 weekly on amounts over $5,000
3 months 3.00% p.a. N/A
4 - 5 months 3.00% p.a. N/A
6 - 11 months 3.20% p.a. N/A
12 - 23 months 2.90% p.a. 2.85% p.a.
24 months 2.90% p.a. 2.85% p.a.
Edvest Members term deposit
 Interest rate
12 - 23 months 2.95% p.a.
24 months 2.95% p.a.

Why choose Transport Mutual Credit Union?

Important Information:
  • 1 The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
  • 2 The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fixed rate reverts to our Basic Variable Home Loan rate
  • 3 <p>Comparison rates based on a secured loan of $30,000 over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.</p>
  • 4 <p>The comparison rate is based on a secured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. </p>
  • 5 The comparison rate is based on an unsecured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
  • 6 Either, the exact number of months needs to be specified (ie. 4, 5 or 6 months, etc.), or alternatively, a preferred maturity date.
  • 7 For deposits over 12 months interest will be paid at least once a year. Interest payable options of 4 weekly or 6 monthly are also available.

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