Hi, is there anything I can help you with?
SCAM ALERT: We have been receiving increasing numbers of calls from customers who have been contacted by scammers.  The scammers have attempted to access customer’s devices and compromise their account sign-in or card details to steal funds.  Please be alert to such calls and if you receive one, hang up immediately and call us on 1300 368 555.  
Links Interest Rates

Interest Rates

 

Transaction Accounts

AccountTierAnnual Rate
Everyday Transact$0.01 and over0.01%
Mortgage Offset$0.01 and over0.00%
Pension PlusUp to $100,0000.10%
$100,001 to $250,0000.30%
$250,001 and over0.40%
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 over0.55%
Bonus Saver$0.01 and over0.05%
^ Bonus rate1.00%
 With Bonus Interest1.05%
Christmas Saver$0.01 and over0.30%
Star Saver$0.01 and over0.20%
~ Bonus rate0.15%
 With Bonus Interest0.35%
Youth Saver$0.01 and over0.30%
# Bonus rate0.70%
 With Bonus Interest1.00%
Club & Community SaverUp to $4,999.990.01%
* $5,000 and over0.30%

Business Accounts

AccountTierAnnual Rate
Business SaverUp to $9,999.990.01%
* $10,000 and over0.25%
Business Basic$0.01 and over0.01%
Business Transact$0.01 and over0.01%
SMSF SaverUp to $9,999.990.01%
* $10,000 and over0.25%


* 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 Offers

(interest paid at maturity)
TermRate
For 5 Months $25,000+0.60% p.a.
For 9 Months $25,000+2.10% p.a.
For 15 Months $25,000+2.85% p.a.
For 24 Months $25,000+3.10% p.a.
Contact us for quotes on amounts over $250,000.

Interest paid at maturity

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 - 4 months0.15%0.25%
5 months0.15%0.25%
6 - 8 months0.25%0.35%
9 months0.35%0.50%
10 - 11 months0.35%0.50%
12 months0.55%2.10%
13 - 14 months0.55%0.75%
15 months0.55%0.75%
16 - 17 months0.55%0.75%
18 months0.65%0.85%
19 - 23 months0.65%0.85%
24 months0.75%1.00%
*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.

Interest paid monthly

Term$1,000-$24,999$25,000 - $1,000,000
6-11 months0.10%0.15%
12-18 months0.25%0.50%
19-23 months0.25%0.55%
24 months0.30%0.65%

Farm Management Deposits

TermDepositInterest Paid QuarterlyInterest Paid Annually
12-24 months$1,000 - $800,0002.00%2.10%


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

Back to Basics (Variable Rate)

Interest ratesLVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest3.69%3.73%
<=80%Interest Only3.84%3.88%
80.01% <= 90%Principal & Interest3.79%3.83%
80.01% <= 90%Interest Only3.94%3.98%
90.01% - 95%Principal & Interest3.89%3.93%
90.01% - 95%Interest Only4.04%4.08%

Flexible Choice Home Loan - 24 Month Introductory Offer (Variable Rate)

Interest ratesLVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest3.39%5.02%
<=80%Interest Only3.54%5.17%
80.01% <= 90%Principal & Interest3.49%5.12%
80.01% <= 90%Interest Only3.64%5.27%
90.01% - 95%Principal & Interest3.59%5.22%
90.01% - 95%Interest Only3.74%5.37%

Flexible Choice Home Loan - Standard Variable Rate

Interest ratesLVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest5.34%5.39%
<=80%Interest Only5.49%5.54%
80.01% <= 90%Principal & Interest5.44%5.49%
80.01% <= 90%Interest Only5.59%5.64%
90.01% - 95%Principal & Interest5.54%5.59%
90.01% - 95%Interest Only5.69%5.74%

Fixed Rate Loans

Interest ratesLVRRepaymentsAnnual RateComparison Rate
Owner Occupied Fixed 1 Year<=80%Principal & Interest4.50%5.30%
<=80%Interest Only4.65%5.45%
80.01% <= 90%Principal & Interest4.60%5.40%
80.01% <= 90%Interest Only4.75%5.55%
90.01% - 95%Principal & Interest4.70%5.50%
90.01% - 95%Interest Only4.85%5.65%
Owner Occupied Fixed 2 Year<=80%Principal & Interest5.25%5.37%
<=80%Interest Only5.40%5.52%
80.01% <= 90%Principal & Interest5.35%5.47%
80.01% <= 90%Interest Only5.50%5.62%
90.01% - 95%Principal & Interest5.45%5.57%
90.01% - 95%Interest Only5.60%5.72%
Owner Occupied Fixed 3 Year<=80%Principal & Interest5.95%5.55%
<=80%Interest Only6.10%5.71%
80.01% <= 90%Principal & Interest6.05%5.65%
80.01% <= 90%Interest Only6.20%5.81%
90.01% - 95%Principal & Interest6.15%5.75%
90.01% - 95%Interest Only6.30%5.91%
Owner Occupied Fixed 4 Year<=80%Principal & Interest6.25%5.71%
<=80%Interest Only6.40%5.86%
80.01% <= 90%Principal & Interest6.35%5.81%
80.01% <= 90%Interest Only6.50%5.96%
90.01% - 95%Principal & Interest6.45%5.91%
90.01% - 95%Interest Only6.60%6.06%
Owner Occupied Fixed 5 Year<=80%Principal & Interest6.50%5.89%
<=80%Interest Only6.65%6.04%
80.01% <= 90%Principal & Interest6.60%5.99%
80.01% <= 90%Interest Only6.75%6.14%
90.01% - 95%Principal & Interest6.70%6.09%
90.01% - 95%Interest Only6.85%6.24%

Residential Investment

Back to Basics (Variable Rate)

Interest ratesLVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest3.94%3.98%
<=80%Interest Only4.09%4.13%
80.01% <= 90%Principal & Interest4.04%4.08%
80.01% <= 90%Interest Only4.19%4.24%
90.01% - 95%Principal & Interest4.14%4.19%
90.01% - 95%Interest Only4.29%4.34%

Flexible Choice Home Loan - 24 Month Introductory Offer (Variable Rate)

Interest ratesLVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest4.29%5.75%
<=80%Interest Only4.44%5.90%
80.01% <= 90%Principal & Interest4.39%5.85%
80.01% <= 90%Interest Only4.54%6.00%
90.01% - 95%Principal & Interest4.49%5.95%
90.01% - 95%Interest Only4.64%6.10%

Flexible Choice Home Loan - Standard Variable Rate

Interest ratesLVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest6.04%6.09%
<=80%Interest Only6.19%6.24%
80.01% <= 90%Principal & Interest6.14%6.19%
80.01% <= 90%Interest Only6.29%6.34%
90.01% - 95%Principal & Interest6.24%6.29%
90.01% - 95%Interest Only6.39%6.44%

Fixed Rate Loans

Interest ratesLVRRepaymentsAnnual RateComparison Rate
Investment Fixed 1 Year<=80%Principal & Interest5.00%5.98%
<=80%Interest Only5.15%6.13%
80.01% <= 90%Principal & Interest5.10%6.08%
80.01% <= 90%Interest Only5.25%6.23%
90.01% - 95%Principal & Interest5.20%6.18%
90.01% - 95%Interest Only5.35%6.33%
Investment Fixed 2 Year<=80%Principal & Interest5.50%5.98%
<=80%Interest Only5.65%6.13%
80.01% <= 90%Principal & Interest5.60%6.08%
80.01% <= 90%Interest Only5.75%6.23%
90.01% - 95%Principal & Interest5.70%6.18%
90.01% - 95%Interest Only5.85%6.33%
Investment Fixed 3 Year<=80%Principal & Interest6.20%6.13%
<=80%Interest Only6.35%6.28%
80.01% <= 90%Principal & Interest6.30%6.23%
80.01% <= 90%Interest Only6.45%6.38%
90.01% - 95%Principal & Interest6.40%6.33%
90.01% - 95%Interest Only6.55%6.48%
Investment Fixed 4 Year<=80%Principal & Interest6.50%6.25%
<=80%Interest Only6.65%6.41%
80.01% <= 90%Principal & Interest6.60%6.35%
80.01% <= 90%Interest Only6.75%6.51%
90.01% - 95%Principal & Interest6.70%6.45%
90.01% - 95%Interest Only6.85%6.61%
Investment Fixed 5 Year<=80%Principal & Interest6.75%6.40%
<=80%Interest Only6.90%6.55%
80.01% <= 90%Principal & Interest6.85%6.50%
80.01% <= 90%Interest Only7.00%6.65%
90.01% - 95%Principal & Interest6.95%6.60%
90.01% - 95%Interest Only7.10%6.75%


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
WAW Personal LoanPrincipal & InterestFrom 6.24%From 6.87%
Car LoanPrincipal & InterestFrom 6.24%From 6.87%
Solar LoanPrincipal & InterestFrom 5.69%From 6.32%
Property Package LoanPrincipal & Interest5.54%5.69%
Personal OverdraftPrincipal & InterestFrom 5.99%N/A
Line of CreditInterest Only4.59%4.64%


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

LoanRepaymentsAnnual RateComparison Rate
Business LoansPrincipal & InterestFrom 4.79%N/A
Interest OnlyFrom 4.94%N/A
Rural & Agricultural LoansPrincipal & InterestFrom 4.79%N/A
Interest OnlyFrom 4.94%N/A
Business OverdraftPrincipal & InterestFrom 5.29%N/A


Discontinued Products

Loans

Essential Home Loan

LVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest4.89%4.93%
<=80%Interest Only5.04%5.09%
80.01% <= 90%Principal & Interest4.99%5.04%
80.01% <= 90%Interest Only5.14%5.19%
90.01% - 95%Principal & Interest5.09%5.14%
90.01% - 95%Interest Only5.24%5.29%

Basic Variable Home Loan

LVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest4.49%4.53%
<=80%Interest Only4.64%4.68%
80.01% <= 90%Principal & Interest4.59%4.63%
80.01% <= 90%Interest Only4.74%4.78%
90.01% - 95%Principal & Interest4.69%4.73%
90.01% - 95%Interest Only4.84%4.88%

Bundled Home Loan

LVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest4.84%4.88%
<=80%Interest Only4.99%5.04%
80.01% <= 90%Principal & Interest4.94%4.98%
80.01% <= 90%Interest Only5.09%5.14%
90.01% - 95%Principal & Interest5.04%5.09%
90.01% - 95%Interest Only5.19%5.24%

Wealth Package Home Loan

LVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest4.74%5.09%
<=80%Interest Only4.89%5.24%
80.01% <= 90%Principal & Interest4.84%5.19%
80.01% <= 90%Interest Only4.99%5.34%
90.01% - 95%Principal & Interest4.94%5.29%
90.01% - 95%Interest Only5.09%5.43%

Wealth Package Investment

LVRRepaymentsAnnual RateComparison Rate
<=80%Principal & Interest5.44%5.78%
<=80%Interest Only5.59%5.93%
80.01% <= 90%Principal & Interest5.54%5.88%
80.01% <= 90%Interest Only5.69%6.03%
90.01% - 95%Principal & Interest5.64%5.98%
90.01% - 95%Interest Only5.79%6.12%

Transact / Savings accounts

AccountTierAnnual Rate
S1 - On call Account$0.01 and over0.01%
S2/S22 Star Saver$0.01 and over0.20%
S2/S22 Star Saver~Bonus rate0.15%
 With Bonus Interest0.35%
S3 - Business Transact$0.01 and over0.01%
S4 Visa Account$0.01 and over0.01%
S5 - Christmas Club$0.01 and over0.30%
S6 - myGoal$0.01 and over0.05%
S6 - myGoal^ Bonus rate1.00%
 With Bonus Interest1.05%
S9 Money Manager$1 to $19,999.990.03%
S9 Money Manager*$20,000 to $49,999.990.05%
S9 Money Manager*$50,000 to $99,999.990.20%
S9 Money Manager*$100,000 and over0.30%
S10 - Savings Investment*Up to $9,999.990.05%
S10 - Savings Investment*$10,000 to $19,999.990.05%
S10 - Savings Investment*$20,000 to $49,999.990.05%
S10 - Savings Investment*$50,000 and over0.10%
S11/S12 Retirement Plus$0.01 to $100,0000.10%
S11/S12 Retirement Plus$100,001 to $250,0000.30%
S11/S12 Retirement Plus$250,001 and over0.40%
S13 Community Care$0.01 and over0.01%
S14 Disability SupportUp to $19,999.990.01%
S14 Disability Support*$20,000 and over0.25%
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 over0.55%
S20 - eSaverUp to $4,999.990.01%
S20 - eSaver*$5,000 and over0.55%
S21 - eAccess$0.01 and over0.01%
S25 Youth Saver$0.01 and over0.30%
S25 Youth Saver# Bonus rate0.70%
 With Bonus Interest1.00%
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.

Ask us anything!

We love customer service and we're really good at it! Let us help you today!

Get the WAW app

Our smart looking, smart banking app does everything you need it to do... and more!