Credit Fees and Charges - My Credit Union

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Credit Fees and Charges Effective 1 February 2018 On 1 February 2018, the business of My Credit Union Limited was transferred to Community CPS Australia Ltd ABN 15 087 651 143, AFSL/Australian Credit Licence 237 856 trading as Beyond Bank Australia.

Home Loans Transaction/service

Fee

Establishment fee

$200

Top up fee

$100

Loan switching fee

$150

Full mortgage service fee*  NSW

$335

 Interstate

$426

Land and property information

At cost

Valuation fee  Sydney metro

$275 to $660

 Other areas

On application

Redraw fee

Nil

Mortgage discharge fee

$260

Early termination fee  Variable home loan

Nil

 Fixed rate home loan  Prepayment up to $10,000 per annum  Prepayment over $10,000 per annum

Nil Economic cost

* The full mortgage service fee includes document preparation, title searches, arranging and attending settlement, and lodgement of documents for stamping and registration. Lodgement and stamp duty fees payable to the Lands department are invoiced separately

Car Loans / Personal Loans (Secured) Transaction/service

Fee

Establishment fee

$195

Early termination fee

Nil

Personal Loans (Unsecured) Transaction/service

Fee

Establishment fee

$150

Early termination fee

Nil

Overdrafts Transaction/service

Fee

Establishment fee

$150

Early termination fee

Nil

Credit Cards Transaction/service

Fee st

Annual card fee (waived 1 year)

$59

Late payment fee

$20

Overlimit fee

$10

Refer to our Fees & Charges - Account & Access Facility for any Special Service Fees, Overseas Service Fees or Dishonour Fees payable Credit Fees and Charges 2018_02_01