Rates & Fees Loan Interest Rates
Loan Interest Rates
Home Loans
| Loan Type | Interest Rate | Comparison Rate | |
| Standard Variable Rate Home Loan | 7.20% pa | 7.27% pa | |
| Honeymoon Home Loan† | 6.14% pa | 7.15% pa | |
| Discount Variable Home Loan | |||
| $250,000 and over | 6.75% pa | 6.82% pa | |
| Basic Variable Home Loan | 6.60% pa | 6.66% pa | |
| Interest Only Home Loan | 7.20% pa | 7.27% pa | |
| Line of Credit Variable Loan | 7.40% pa | N/A | |
| Construction Loan | 7.20% pa | N/A | |
Fixed Rate Home Loans
| Loan Type | Interest Rate | Comparison Rate | |
| 1 Year Fixed Rate Home Loan | 6.85% pa | 7.23% pa | |
| 2 Year Fixed Rate Home Loan | 6.80% pa | 7.18% pa | |
| 3 Year Fixed Rate Home Loan | 6.75% pa | 7.13% pa | |
| 4 Year Fixed Rate Home Loan | 6.95% pa | 7.17% pa | |
| 5 Year Fixed Rate Home Loan | 7.15% pa | 7.24% pa | |
Investment Loans
| Loan Type | Interest Rate | Comparison Rate |
| Investment Property Home Loan | 7.20% pa | 7.27% pa |
Personal / Car Loans
| Loan Type | Interest Rate | Comparison Rate |
| Everyday Overdraft | 15.70% pa | N/A |
| Unsecured Personal Loan | 15.45% pa | 16.22% pa^~ |
| Secured Personal Loan | 11.35% pa | 11.56% pa^# |
| New Vehicle Loan | 9.65% pa | 9.65% pa`# |
| Variable Vehicle Loan | 10.35% pa | 10.57% pa`# |
| Fixed Vehicle Loan | 10.75% pa | 10.96% pa^# |
| Goods/Chattel Mortgage | 10.50% pa | 10.82% pa`# |
Alliance One Visa Credit Card
| Interest Rate | Comparison Rate | |
| Introductory Rate on all Purchases and Balance Transfers+ | 6.99% pa | N/A |
| Ongoing Variable Rate | 12.99% pa | N/A |
Business Overdraft
| Loan Type | Interest Rate | Comparison Rate |
| Business Overdraft | 15.70% pa | N/A |
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This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Home Loan comparison rate is calculated on a loan amount of $150,000 and loan term of 25 years and is based on fortnightly repayments. ` Comparison rate is calculated on a loan amount of $30,000 and loan term of 5 years and is based on fortnightly repayments. ^ Comparison rate is calculated on a loan amount of $10,000 and loan term of 3 years and is based on fortnightly repayments. # Rate available for secured loans only.~ Rate available for unsecured loans only.
Comparison rate schedules are available from any Alliance One Credit Union branch. Terms and conditions, fees and charges and normal lending criteria apply and are available on request. Rates, fees and charges are subject to change at any time.
*Interest paid annually. Interest calculated on daily balance.
†Reverts to standard variable rate after twelve months.
+Introductory rate reverts to the standard variable rate applicable to your card after six months and any balances that remain unpaid at the end of this period or that are transferred to this credit card after this period will become subject to the standard variable rate.
