Current Interest Rates - Big Sky - banking where members benefit

Click here to view Investment and Savings Interest Rates Loans Interest Rates 18 November 2008 Click here to view our comparison rate schedule. Discover the truth about interest rates. Click here for further information about comparison rates! Don't forget insurance! Big Sky, through Allianz, offer a great range of products to protect both the asset you're buying and your repayments in the event of death, disability and unemployment. Mortgage Loans Variable Rate p.a. Comparison rate p.a. * Standard Variable Full Offset, Redraw, flexible repayment options. $500,000+ $250,000+` Up to $250,000 Rate on Application 7.49% 7.69% 7.50% 7.72% First Home Owners Mortgage For the purchase of a first home.Full Offset, Redraw, Flexible repayment options 7.49% 7.49% Secured Line of Credit Use the value of your home to have a high limit overdraft facility at a lower rate than standard overdraft. 7.69% N/A Fixed Rate Options 1 year 7.69% 7.72% 2 years 7.69% 7.72% 3 years 7.69% 7.72% 4 years 7.89% 7.80% 5 years 7.89% 7.81% Fix part or the entire home loan balance. Gives you security knowing that your repayments and interest expense will not increase for the fixed period. Bridging Loan For use when buying and selling homes. 9.00% 9.03% Interest Only (variable)^ 5 year maximum term. 7.69% 8.16% Personal & Car Loans Variable Rate p.a. Comparison rate p.a. * EnviroLoan 11.75% 11.75% Used for the purchase of any proven environmentally friendly product or service i.e water tanks and installation, solar panels and installation etc Overdraft Have instant access to additional funds. Assists with budgeting and paying for those unexpected expenses. 14.00% N/A New Car Loan Purchase a new car or refinance a new car loan within 3 months of the original purchase date. 8.95% 8.95% Personal Loan – fully secured Used to purchase a car or for any other worthwhile purpose. Loan to be fully secured. 11.75% 11.75% Personal Loan – fully secured Used to purchase a car or for any other worthwhile purpose. Loan to be fully secured by equity in Iron Ore Home Ownership Scheme (WA only). 10.50% 10.50% Personal Loan – partly secured Used to purchase a car or for any other worthwhile purpose. 50% of loan to be secured by an acceptable security. 12.50% 12.50% Personal Loan – unsecured Used to purchase a car or for any other worthwhile purpose. 12.90% 12.90% Credit Card Variable Rate p.a. Comparison rate p.a. 6 Month Introductory Rate 9.70% N/A Visa Credit Card 11.70% N/A Visa Credit Card with Cash Rewards 14.70% N/A > back to top Investment and Savings Interest Rates Effective 18 November Term Deposits (Calculated on a daily balance) $1,000 -$19,999 $20,000 - $49,999 $50,000 - $99,999 $100,000 + 1 < 3 months 4.50% 5.00% 5.25% 5.50% 3 < 6 months 4.00% 4.50% 4.75% 5.00% 6 < 9 months 4.00% 4.50% 4.75% 5.00% 9 < 12 months 4.00% 4.50% 4.75% 5.00% 12 < 18 months 4.25% 4.75% 5.00% 5.25% 18 < 24 months 4.50% 5.00% 5.25% 5.50% Bonus Saver Account Click here for some information on our great Bonus Saver Account. All rates specified are per annum Minimum deposit $1,000 Interest paid on maturity for terms less than 12 months Terms 12 months and above paid 6 monthly Term Deposit Application Form First Home Savers Account 5.40% p.a. • Earn a government contribution for saving for your first home • No monthly fees • Refer to PDS for full terms and conditions • Interest rate includes tax component remitted to Australian Tax Office Net Invest Any amount 5.40% p.a. • Funds available at call and accessed via internet and telephone banking • Interest calculated daily and credited monthly Cash Management Account Up to $4,999 3.30% p.a. $5,000 - $19,999 4.40% p.a. $20,000 - $49,999 4.90% p.a. $50,000 - $99,999 5.15% p.a. $100,000+ 5.40% p.a. • At Call with no minimum transactions • Interest calculated daily and credited monthly Monthly Income $5,000 - $19,999 4.50% p.a. $20,000 - $49,999 4.60% p.a. $50,000 - $99,999 4.80% p.a. $100,000+ 5.00% p.a. • 12 months fixed term • Interest paid monthly Everyday Banking (On-Call) $1 - $49,999 0.01% p.a. $50,000 - $99,999 0.02% p.a. $100,000+ 0.03% p.a. • Interest calculated daily and paid quarterly Christmas Club 3.00% p.a. • Interest paid in May and November. Early redemption is subject to Management approval. Target Saver 4.20% p.a. • Funds available upon reaching specified dollar ‘target’ and target date • Minimum target 6 months operation before initial withdrawal • Interest calculated daily and credited quarterly Golden Saver Up to $39,400 4.00% p.a. $39,401+ 6.00% p.a. • Available to eligible members • Interest calculated daily on portion of balance within each interest rate tier and credited quarterly Apprentice Saver 4.20% p.a. Available only to Trainee & Apprentice employees of the Goonyella/Riverside Mine Funds are only available at the expiration of the Trainee or Apprenticeship period Interest calculated daily and credited quarterly > back to top Bonus Saver Terms and Conditions:Minimum account balance $5,000 and is available for new funds only. New funds means funds credited to Big Sky via direct credit or cheque deposit from a non-Big Sky account. Payroll credit, maturing term deposits or transfers from current or related Big Sky accounts are not eligible. Interest rate variable and subject to change. Offer available from 15/9/08 to 22/12/08. Funds available by contacting a Service Centre or calling 1300 654 321. Bonus account available until 22/12/08, at this time all funds held in this account will be transferred to a Net Invest account. Interest paid and credited monthly to bonus account. The above mortgage loans must be fully secured by real estate property mortgage. Big Sky Credit Union terms and conditions and fees and charges apply. * Comparison rate calculations are based on a loan amount of $150,000 over 25 years with fortnightly repayments. ^ Comparison rate calculations are based on a loan amount of $150,000 over 5 years with fortnightly repayments. `Comparison rate is variable and is calculated on a loan of $300,000 or $500,000 over 30 years with fortnightly repayments. # Comparison rate calculations are based on a loan amount of $10,000 over 3 years with fortnightly repayments. Important: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or 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. All interest rates are subject to change without notice. Full terms and conditions available on application. When making a deposit please specify term. Early redemption is subject to approval. An interest rate adjustment or penalty may apply. ~Normal lending criteria apply, interest rate is per annum and is variable. Terms and conditions apply for the Credit Card and Cash Rewards Program and are available on request.