Important details about the comparative rate include: The presented comparison rate is based on a $150,000 loan over 25 years. If the comparative rate is for a loan with a fixed interest rate, it was calculated on the assumption that at the end of the fixed-rate period, our current relevant variable rate will apply. WARNING: The comparison rate only applies to the example provided and may not include all fees and costs. A different comparison rate could come from differing terms, fees, or borrowing amounts.

The comparison rate for the All State Credit Union Complete Fixed Rate Home Loan assumes that at the end of the fixed-rate period, a variable with a Loan to Value Ratio (LVR) of 60.01 percent to 80 percent will apply.

All State Credit Union Complete Home Loan: The interest rate displayed is for a principal and interest owner-occupied loan with a Loan to Value Ratio (LVR) of 60.01 percent to 80 percent.

Customers with owner-occupied, principal-and-interest home loans can apply for a All State Credit Union Complete Home Loan with a one-year fixed rate.

*Important comparison rate information: The displayed comparison rates are for secured personal loans with a loan amount of $30,000 and a period of 5 years, and unsecured personal loans with a loan amount of $10,000 and a duration of 3 years.

WARNING: This comparative rate only applies to the samples provided and may not apply to other fees and levies. A different comparison rate could come from differing terms, fees, or borrowing amounts.

The interest-free period of up to 55 days is made up of your 30-day statement cycle plus the 25 days before the payment due date. Depending on whatever day of the 30-day statement cycle the purchase is made, the amount of interest-free days will change for each transaction.

The following terms and conditions, as well as fees and charges, apply. The interest rate, as well as all other information, is subject to change without notice. On the application, you’ll find all of the information you need. There are lending conditions in place.

Credit Card with a Low-Interest Rate

Offer valid from November 1, 2021, to February 28, 2022:

Purchase rate of 0.00% p.a. for up to 18 months after account opening.

Between 12:01 a.m. AEDT on November 1, 2021, and 11:59 p.m. AEDT on February 28, 2022, applications must be filed.

This offer is only available on the Low Rate Credit Card and is subject to change or termination by All State Credit Union. This offer cannot be combined with any other All State Credit Union promotion, including Low Rate Complete and Deals or Shareholder packages. Each customer has their own account. If you close or transfer from another All State Credit Union credit card account, or if you have had a All State Credit Union credit card product in the last 12 months, you will not be eligible for this offer. The offer is also subject to a minimum purchase monthly repayments being made as per your monthly statement and the account not otherwise being in default.

Offer on a purchase rate

Interest on purchases is waived for the first 18 months after account opening, provided that minimum monthly repayments are made and the account is not otherwise in default. The leftover purchase balance will return to ordinary purchase interest rate after 18 months from account opening. Cash advances are not included in this offer.

The Low Rate Credit Card’s standard purchase interest rate is currently 11.99 percent p.a. The Low Rate Credit Card’s cash advance rate is currently 13.99 percent p.a.

Mastercard International Incorporated owns the trademark Mastercard.