Transaction Accounts

AccountTierAnnual Rate
Everyday Transact$0.01 and over0.01%
Mortgage Offset$0.01 and over0.00%
Pension PlusUp to $100,0001.35%
$100,001 to $250,0001.75%
$250,001 and over2.40%
Youth Transact$0.01 and over0.01%
Disability Support Account$0.01 and over0.01%
Club & Community Transact$0.01 and over0.01%
Sub-Transact Account$0.01 and over0.00%

Savings Accounts

AccountTierAnnual Rate
Everyday SaverUp to $4,999.990.01%
* $5,000 and over2.70%
Bonus Saver$0.01 and over0.05%
^ Bonus rate4.95%
 With Bonus Interest5.00%
Christmas Saver$0.01 and over1.65%
Star Saver$0.01 and over0.75%
~ Bonus rate3.75%
 With Bonus Interest4.50%
Youth Saver$0.01 and over0.75%
# Bonus rate3.75%
 With Bonus Interest4.50%
Club & Community SaverUp to $4,999.990.01%
* $5,000 and over2.50%

Business Accounts

AccountTierAnnual Rate
Business SaverUp to $9,999.990.01%
* $10,000 and over2.05%
Business Basic$0.01 and over0.01%
Business Transact$0.01 and over0.01%
SMSF SaverUp to $9,999.990.01%
* $10,000 and over2.05%


* Interest paid on full account balance once balance hurdle is reached.

~ Bonus rate is an additional amount of interest paid by making a minimum monthly deposit of $20 and no withdrawals in the month.

^ Bonus rate is an additional amount of interest paid by making a minimum monthly deposit of $250 and no withdrawals in the month.

Bonus rate is an additional amount of interest paid by making a minimum monthly deposit of $50 and no withdrawals in the month.

General Advice Warning: You should consider the appropriateness of the information provided with regard to your particular financial situation and needs. You should consult the Financial Services Guide and Product & Services Terms & Conditions booklet before making a decision to apply for products with BankWAW. This documentation is available at any BankWAW Service Centre. All information contained in this schedule is correct at time of publication but is subject to change without notice. BankWAW is the registered business name held by WAW Credit Union Co-operative Ltd, BSB 803 070, ABN 48 087 651 787, AFSL & Australian Credit Licence 247298.

 

Term Deposits

Limited Offer Term Deposits


(Interest paid at maturity for terms up to 12 months, and interest paid annually and at maturity for terms greater than this.)
TermRate
For 13 Months $25,000+4.35% p.a.
For 18-24 Months $25,000+4.10% p.a.
For 3 Months $1,000-$1,000,000* 4.35% p.a.
For 9 Months $25,000+4.00% p.a.

Standard Term Deposits


(Interest paid at maturity for terms up to 12 months, and interest paid annually and at maturity for terms greater than this.)
Please read this table in conjunction with the limited offers to ensure you get the best rate at this point in time.
Term$1,000-$24,999$25,000 - $1,000,000
3 - 5 months2.10%2.20%
6 - 11 months2.50%2.60%
12 - 17 months2.80%3.00%
18 - 24 months2.90%3.10%
*When selecting an 'Interest Paid at Maturity Term Deposit' please review the 'Limited Offer Terms Deposits' to ensure the product that you select best meets your investment requirements.
Contact us for quotes on amounts over $250,000.

Standard Term Deposits

(interest paid monthly)
Term$5,000-$24,999$25,000 - $1,000,000
6-11 months1.70%1.80%
12-23 months2.55%2.75%
24 months2.80%3.00%

Farm Management Deposits

TermDepositInterest Paid QuarterlyInterest Paid Annually
12-24 months$1,000 - $800,0004.15% p.a.4.25% p.a.


All rates are % per annum. Term rates are correct at time of publication but may change without notice. To confirm current rate, please see  your local BankWAW Service Centre or visit www.bankwaw.com.au. Rates and conditions above $1,000,000 available on application.

General Advice Warning: You should consider the appropriateness of the information provided with regard to your particular financial situation and needs. You should consult the Financial Services Guide and Product & Services Terms & Conditions booklet before making a decision to apply for products with BankWAW. This documentation is available at any BankWAW Service Centre.
BankWAW is the registered business name held by WAW Credit Union Co-operative Ltd, BSB 803 070, ABN 48 087 651 787, AFSL & Australian Credit Licence 247298.

Home Loans

Owner Occupied Loan Products

Back to Basics Home Loan
(Variable Rate, with Introductory Offer)
# 24 month introductory rate period, terms & conditions apply.
* All rates based upon Principal and Interest repayments. Interest-only loan facilities are available upon enquiry with BankWAW by contacting your nearest Service Centre or calling 1300 368 555.

LVRIntroductory Rate#Comparison Rate^
<60%5.94%6.27%

Back to Basics Home Loan
(Variable Rate)
* All rates based upon Principal and Interest repayments. Interest-only loan facilities are available upon enquiry with BankWAW by contacting your nearest Service Centre or calling 1300 368 555.

LVRInterest Rate*Comparison Rate^
<=80%6.29%6.34%

Flexible Choice Home Loan
(Variable Rate, with Introductory Offer)
# 24 month introductory rate period, terms & conditions apply.
* All rates based upon Principal and Interest repayments. Interest-only loan facilities are available upon enquiry with BankWAW by contacting your nearest Service Centre or calling 1300 368 555.

LVRIntroductory Rate#Comparison Rate^
<=80%6.39%7.98%

Flexible Choice Home Loan
(Variable Rate)
* All rates based upon Principal and Interest repayments. Interest-only loan facilities are available upon enquiry with BankWAW by contacting your nearest Service Centre or calling 1300 368 555.

LVRInterest Rate*Comparison Rate^
<=80%8.34%8.40%

Flexible Choice Home Loans (Fixed Rates)
* All rates based upon Principal and Interest repayments. Interest-only loan facilities are available upon enquiry with BankWAW by contacting your nearest Service Centre or calling 1300 368 555.

Fixed Rate PeriodLVRInterest Rate#*Comparison Rate^
Fixed 1 Year<=80%6.35%8.17%
Fixed 2 Year<=80%6.45%7.99%
Fixed 3 Year<=80%6.40%7.81%
Fixed 4 Year<=80%6.50%7.69%
Fixed 5 Year<=80%6.65%7.62%

Home Equity Loan
(Variable Rate)
* All rates based upon Principal and Interest repayments. Interest-only loan facilities are available upon enquiry with BankWAW by contacting your nearest Service Centre or calling 1300 368 555.

LVRInterest Rate*Comparison Rate^
<=80%6.54%7.50%

Residential Investment Loan Products

Back to Basics (Investment) Home Loan
(Variable Rate, with Introductory Offer)
# 24 month introductory rate period, terms and conditions apply.
* All rates based upon Principal and Interest repayments. Interest-only loan facilities are available upon enquiry with BankWAW by contacting your nearest Service Centre or calling 1300 368 555.

LVRIntroductory Rate#Comparison Rate^
<60%6.19%6.52%

Back to Basics (Investment) Home Loan
(Variable Rate)
* All rates based upon Principal and Interest repayments. Interest-only loan facilities are available upon enquiry with BankWAW by contacting your nearest Service Centre or calling 1300 368 555.

LVRInterest Rate*Comparison Rate^
<=80%6.54%6.59%

Flexible Choice (Investment) Home Loan
(Variable Rate, with Introductory Offer)
# 24 month introductory rate period, terms & conditions apply.
* All rates based upon Principal and Interest repayments. Interest-only loan facilities are available upon enquiry with BankWAW by contacting your nearest Service Centre or calling 1300 368 555.

LVRIntroductory Rate#Comparison Rate^

Flexible Choice (Investment) Home Loan
(Variable Rate)
* All rates based upon Principal and Interest repayments. Interest-only loan facilities are available upon enquiry with BankWAW by contacting your nearest Service Centre or calling 1300 368 555.

LVRInterest Rate*Comparison Rate^
<=80%9.04%9.10%

Fixed Rate (Investment) Home Loans
* All rates based upon Principal and Interest repayments. Interest-only loan facilities are available upon enquiry with BankWAW by contacting your nearest Service Centre or calling 1300 368 555.

Fixed Rate PeriodLVRInterest Rate#*Comparison Rate^
Investment Fixed 1 Year<=80%6.60%8.81%
Investment Fixed 2 Year<=80%6.70%8.58%
Investment Fixed 3 Year<=80%6.65%8.36%
Investment Fixed 4 Year<=80%6.75%8.20%
Investment Fixed 5 Year<=80%6.90%8.26%

Home Investment Equity Loan
(Variable Rate)
* All rates based upon Principal and Interest repayments. Interest-only loan facilities are available upon enquiry with BankWAW by contacting your nearest Service Centre or calling 1300 368 555.

LVRInterest Rate*Comparison Rate^
<=80%6.54%7.50%


^ COMPARISON RATE WARNING: Home loan comparison rates are based on a loan amount of $150,000 over the term of 25 years. These comparison rates apply only to the examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw and 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.

Interest rates are expressed as % p.a. and are subject to change without notification.

BankWAW is the registered business name held by WAW Credit Union Co-operative Ltd,  BSB 803 070 ABN 48 087 651 787 AFSL & Australian Credit Licence 247298.

Personal Loans

LoanRepaymentsAnnual RateComparison Rate
Personal Loan UnsecuredPrincipal & Interest11.79%12.46%
Solar LoanPrincipal & Interest6.44%7.07%


Personal Overdraft and Line of Credit products are available upon application.

Terms and conditions apply. The comparison rate is based on a loan of $10,000 over 5 years. Different amounts and terms will result in different comparison rates.

Comparison Rate 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.

BankWAW is the registered business name held by WAW Credit Union Co-operative Ltd,  BSB 803 070 ABN 48 087 651 787 AFSL & Australian Credit Licence 247298.

Business Loans

LoanRepaymentsInterest RateComparison Rate
Business OverdraftN/A7.79%N/A


Discontinued Products

Loans

Essential Home Loan

LVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest7.64%7.69%
<=80%Interest Only7.89%7.94%
80.01% <= 90%Principal & Interest7.74%7.79%
80.01% <= 90%Interest Only7.89%7.94%
90.01% - 95%Principal & Interest7.84%7.89%
90.01% - 95%Interest Only7.99%8.04%

Basic Variable Home Loan

LVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest6.94%6.99%
<=80%Interest Only7.09%7.14%
80.01% <= 90%Principal & Interest7.04%7.09%
80.01% <= 90%Interest Only7.19%7.24%
90.01% - 95%Principal & Interest7.14%7.19%
90.01% - 95%Interest Only7.29%7.34%

Bundled Home Loan

LVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest7.59%7.64%
<=80%Interest Only7.74%7.79%
80.01% <= 90%Principal & Interest7.69%7.74%
80.01% <= 90%Interest Only7.84%7.89%
90.01% - 95%Principal & Interest7.79%7.84%
90.01% - 95%Interest Only7.94%7.99%

Wealth Package Home Loan

LVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest7.49%7.76%
<=80%Interest Only7.64%7.91%
80.01% <= 90%Principal & Interest7.59%7.86%
80.01% <= 90%Interest Only7.74%8.01%
90.01% - 95%Principal & Interest7.69%7.96%
90.01% - 95%Interest Only7.84%8.11%

Wealth Package Investment

LVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest8.44%8.70%
<=80%Interest Only8.34%8.60%
80.01% <= 90%Principal & Interest8.29%8.55%
80.01% <= 90%Interest Only8.44%8.70%
90.01% - 95%Principal & Interest8.39%8.65%
90.01% - 95%Interest Only8.54%8.80%

Transact / Savings accounts

AccountTierAnnual Rate
S1 - On call Account$0.01 and over0.01%
S2/S22 Star Saver$0.01 and over 0.75%
S2/S22 Star Saver~Bonus rate3.75%
 With Bonus Interest4.50%
S3 - Business Transact$0.01 and over0.01%
S4 Visa Account$0.01 and over0.01%
S5 - Christmas Club$0.01 and over1.65%
S6 - myGoal$0.01 and over0.05%
S6 - myGoal^ Bonus rate4.95%
 With Bonus Interest5.00%
S9 Money Manager$1 to $19,999.991.15%
S9 Money Manager*$20,000 to $49,999.991.40%
S9 Money Manager*$50,000 to $99,999.991.60%
S9 Money Manager*$100,000 and over1.85%
S10 - Savings Investment*$1 to $19,999.990.05%
S10 - Savings Investment*$20,000 to $49,999.990.60%
S10 - Savings Investment*$50,000 and over0.85%
S11/S12 Retirement Plus$0.01 to $100,0001.35%
S11/S12 Retirement Plus$100,001 to $250,0001.75%
S11/S12 Retirement Plus$250,001 and over2.40%
S13 Community Care$0.01 and over0.01%
S14 Disability SupportUp to $19,999.990.01%
S14 Disability Support*$20,000 and over0.60%
S15 Youth Transact$0.01 and over0.01%
S18 Club & Community Transact$0.01 and over0.01%
S19 Club & Community eSaverUp to $4,999.990.01%
S19 Club & Community eSaver*$5,000 and over2.50%
S20 - eSaverUp to $4,999.990.01%
S20 - eSaver*$5,000 and over2.70%
S21 - eAccess$0.01 and over0.01%
S25 Youth Saver$0.01 and over0.75%
S25 Youth Saver# Bonus rate3.75%
 With Bonus Interest4.50%
S40 - OffsetNo credit interest is paid on this account.


* Interest paid on full account balance once balance hurdle is reached.
** Minimum account balance $5,000
~ Bonus rate is an additional amount of interest paid by making a minimum monthly deposit of $20 and no withdrawals in the month.
^ Bonus rate is an additional amount of interest paid by making a minimum monthly deposit of $250 and no withdrawals in the month.
# Bonus rate is an additional amount of interest paid by making a minimum monthly deposit of $50 and no withdrawals in the month.

Comparison Rate Warning: Home loan comparison rates are based on a loan amount of $150,000 over the term of 25 years. These comparison rates apply only to the examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw and 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.

General Advice Warning: You should consider the appropriateness of the information provided with regard to your particular financial situation and needs. You should consult the Financial Services Guide and Product & Services Terms & Conditions booklet before making a decision to apply for products with BankWAW. This documentation is available at any BankWAW Service Centre.

All information contained in this schedule is correct at time of publication but is subject to change without notice. BankWAW is the registered business name held by WAW Credit Union Co-operative Ltd, BSB 803 070, ABN 48 087 651 787, AFSL & Australian Credit Licence 247298.