Finance
  • Competitive interest rate
  • Large range of products
  • Repayment flexibility
  • Free redraw & loan
    offset functionality subject
    to criteria

View interest rates

Equipment finance
Loan amount
minimum loan
maximum loan
Loan term
maximum term - unsecured
maximum term - motor vehicle
maximum term - mortgage secured
Loan to valuation ratio
maximum LVR - residential property 4
maximum LVR - deposit
maximum LVR - motor vehicle
maximum LVR - commercial property
maximum LVR - commercial land
maximum LVR - specialised
maximum LVR - purpose built commercial property
maximum LVR - rural
maximum LVR - leasehold property
Loan repayment
principal & interest
interest only 2
Other features
minimum redraw amount
offset facility
Summary of fees
establishment fee
overdraft facility management fee half yearly
annual loan fee
loan redraw fee
early loan repayment fee
switching fee (variable to fixed)
fixed rate lock-in fee
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Standard variable
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Discounted variable
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Maximum discounted variable
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Overdraft
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Line of credit
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Commercial development loan
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Fixed rate
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Self Managed Super Fund (SMSF) variable rate
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Self Managed Super Fund (SMSF) fixed rate
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$5,000 $150,000 $250,000 $5,000 $20,000 $50,000 $5,000 $100,000 $100,000
$149,999 $249,999 $6m $6m $6m $6m $6m $2.5m $2.5m
7 years not available not available annual review not available not available not available not available not available
10 years not available not available annual review not available not available not available not available not available
25 years 25 years 25 years annual review annual review 2 years 1-5 years 1 25 years 1-5 years 1
90% 90% 90% 90% 90% 80% 90% 80% 80%
100% 100% 100% 100% 100% 100% 100% not available not available
80% not available not available not available not available not available not available not available not available
70% 70% 70% 70% 70% 70% 70% 70% 70%
65% 65% 65% 65% 65% 65% 65% n/a not available
65% 65% 65% 65% 65% 65% 65% n/a not available
65% 65% 65% 65% 65% 65% 65% n/a not available
65% 65% 65% 65% 65% 65% 65% n/a not available
40% 40% 40% not available 40% n/a 40% n/a not available
      n/a n/a        
n/a n/a    
$5,000 $5,000 $5,000 n/a n/a n/a n/a n/a n/a
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contact bcu contact bcu contact bcu contact bcu contact bcu contact bcu contact bcu contact bcu  contact bcu 
contact bcu contact bcu contact bcu contact bcu contact bcu contact bcu contact bcu contact bcu contact bcu
$0 $0 $0 $0 $0 $0 $0 $0  $0 
$0 $0  $0  n/a n/a n/a n/a n/a n/a
n/a n/a n/a n/a n/a $0 3 $0 3
$750  $750  $750  $750  $750  n/a n/a $750 n/a
crossIcon crossIcon  crossIcon  crossIcon  crossIcon  crossIcon  0.15% of loan amount n/a 0.15% of loan amount

1. Loan reverts to the applicable variable rate (standard or discount) on maturity of fixed term.
2. Interest only (maximum 5 years).
3. An early repayment adjustment may be applicable when fixed rate loans are terminated, varied or prepaid during the fixed rate period.
4. Lenders Mortgage Insurance required at borrower's expense where LVR is above 80%.

T: 1300 228 228  |  bsb: 704 328 deposit-seal
Copyright 2013. Banking products issued by Bananacoast Community Credit Union Ltd ABN 50 087 649 750 AFSL 241077 Australian Credit Licence Number 241077. bcu is not responsible for any websites you access from www.bcu.com.au. bcu’s registered office is located at Level 2, 144-148 West High Street, Coffs Harbour, NSW 2450; PO Box 1563, Coffs Harbour, NSW 2450. This website contains general advice and has been prepared without taking into account your objectives, financial situation or needs. Therefore, you should consider whether this advice is appropriate for you and read the Terms and Conditions, Fees and Charges Schedule and Financial Services Guide before acquiring any basic deposit product. Loans available to approved applicants only. Normal lending criteria, terms and conditions apply. Interest rates, fees and charges are payable and are subject to change without notice. Please read bcu’s Credit Guide and Schedules of Fees and Charges for home loans and personal loans before acquiring a bcu loan or credit product.