Home Loans

	Interest Rate	Comparison Rate
Home Loan ($150,000 over 20 years)*	7.29% pa	7.33% pa
Home Loan ($150,000 over 25 years)*	7.29% pa	7.33% pa
Home Equity and Land Loans ($80,000 over 7 years)****	10.25% pa	10.45% pa
Home Equity and Land Loans ($120,000 over 10 years)****	10.25% pa	10.35% pa
Investment Housing Loan****	8.85% pa

^{****These rates are negotiable based on individual applications. Please contact Heritage Isle Credit Union for further details.}

Car Loans

	Interest Rate	Comparison Rate
New Car Loan ($25,000 over 4 years)**	10.25% pa	10.78% pa
New Car Loan ($30,000 over 5 years)**	10.25% pa	10.61% pa
Car Loans Older than 3 years	13.85%pa

Personal Loans

	Interest Rate	Comparison Rate
Personal Loan ($25,000 over 5 years)**	14.25% pa	14.70% pa
Personal Loan ($30,000 over 5 years)**	14.25% pa	14.62% pa

Business Loan

		Interest Rate
Unsecured****		14.50% pa
Secured****		12.50% pa

^{****These rates are negotiable based on individual applications. Please contact Heritage Isle Creidt Union for further details.}

MyCard MasterCard

		Interest Rate
Low Rate MasterCard - Retail Rate		13.60% pa***
Low Rate MasterCard - Cash Rate		19.99% pa***
Rewards MasterCard - Retail Rate		19.74% pa***
Rewards MasterCard - Cash Rate		20.49% pa***

Overdrafts

		Interest Rate
Overdraft		15.00% pa

More Information

Questions?

If you have any questions, please contact us

_{*Applicable to secured loans only.

**Applicable to unsecured loans only.

***Interest rates subject to change. Interest rates current as of 1 June 2011.}

^{****These rates are negotiable based on individual applications. Please contact Heritage Isle Creidt Union for further details.}
_{Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs suh as redraw fees or cost savings such as fee discounts and waivers are not included in the comparison rate but may influence the cost of the loan. Rates are subject to change, terms and conditions apply and are available on application.}