For the first time ever SCU is offering a 3 year fixed rate My Life Home Loan Package with a rate busting 3.95% pa1 (4.25% pa2 comparison). Fixed for 3 years and a host of extras,  this is your best opportunity yet to take advantage of SCU’s More Generous Banking.  No Application fee3 Free 90 day Rate Lock4 Low annual package fee5 Unlimited free online redraws SCU’s award winning Low Rate Visa Credit Card. No annual fee Disclaimer: 1. The 3.95% rate is based on a 3 year fixed interest rate My Life Home Loan Package reverting to the My Life variable $150,000 to $249,999 rate. 2. The comparison rate is based on a $150,000 loan over a term of 25 years. WARNING this comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 3. The $0 application fee does not include 3rd party costs such as Mortgage setup & valuation. 4. The rate on the loan is the applicable rate when the loan is approved and is valid for 90 days. 5. My Life Annual Package Fee $350. For new owner-occupied residential loans only. Not available for refinance of existing SCU loans. All applications are subject to SCU normal lending criteria. Terms, conditions, fees and charges apply. Full details available on application. All information is correct as at 01/10/15 and subject to change. Sydney Credit Union Ltd | ABN 93 087 650 726 |AFSL/ Australian Credit Licence Number 236476.