Login

Rates & Fees

Learn more about The Mac’s Interest Rates & Fees

Product Interest Rate Comparison Rate
2 Year Discounted Basic Variable Home Loan 5.17% p.a. 6.83% p.a.
First Home Buyer Loan 5.17% p.a.   5.23% p.a.
Low LVR Home Loan (Owner Occupied LVR <70%) 5.99% p.a. 6.05% p.a.
Low LVR Home Loan (Investment LVR <70%) 6.29% p.a. 6.36% p.a.
Basic Variable Home Loan 7.17% p.a. 7.24% p.a.
Basic Variable Home Loan $250,000 - $500,000 7.07% p.a. 7.14% p.a.
Basic Variable Home Loan $500,000 - $750,000 6.97% p.a. 7.04% p.a.
Basic Variable Home Loan >$750,000 6.87% p.a. 6.94% p.a.
1 Year Fixed Home Loan 5.09% p.a. 7.02% p.a.
2 Year Fixed Home Loan 5.19% p.a. 6.84% p.a.
3 Year Fixed Home Loan 5.39% p.a. 6.72% p.a.
Investor Basic Variable Home Loan 7.17% p.a. 7.24% p.a.
Investor 1 Year Fixed Home Loan 5.49% p.a. 7.06% p.a.
Investor 2 Year Fixed Home Loan 5.39% p.a. 6.88% p.a.
Investor 3 Year Fixed Home Loan 5.59% p.a. 6.78% p.a.
Offset Home Loan 7.17% p.a. 7.24% p.a.

 

Product Interest Rate Comparison Rate
New Car Loan Special 6.19% p.a. 6.56% p.a.
New Car Loan 6.59% p.a.   6.96% p.a.  
Used Car Loan 9.29% p.a. 9.67% p.a.
Secured Personal Loan 12.99% p.a. 13.33% p.a.
Unsecured Personal Loan 15.99% p.a. 16.29% p.a.
Debt Consolidation Loan 17.49% p.a. 17.78% p.a.
Personal Overdraft 15.55% p.a. -
Product Interest Rate
Everyday Savings Account 0.00% p.a.
Freedom Years Account balances <$4,999 0.02% p.a.
Freedom Years Account balances $5,000 - $49,999 1.20% p.a.
Freedom Years Account balances >$50,000 1.60% p.a.
eSaver Account 1.50% p.a.  
Christmas Saver Account 1.50% p.a.  
Mini Mac Saver Account Bonus interest rate 1.60% p.a.
Youth Saver Account 0.02% p.a.

 

Term (Months) $2,000 - $4,999
interest rate		 $5,000 and over
interest rate
3 months N/A 3.00% p.a.
6 months N/A 4.00% p.a.
9 months N/A 3.50% p.a.
12 months 0.70% p.a. 3.60% p.a.
24 months N/A 3.50% p.a.
Term (Months) $500 and over
interest rate
12 months 3.60% p.a.
View our Fees & Charges
  • 1 WARNING: Comparison rate based on $150,000 over 25 years. 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. Applications are subject to lending criteria. Terms & Conditions and fees & charges apply. Loan will be discounted by 2.00%pa for first 2 years. New Owner Occupied loans over $250,000 only. Loan will revert to The Mac Basic Variable Home Loan at end of 2 year discounted period.
  • 2 WARNING: Comparison rate based on $150,000 over 25 years. 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. Applications are subject to lending criteria. Terms & Conditions and fees & charges apply.
  • 3 WARNING: Comparison rate based on $150,000 over 25 years. 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. Applications are subject to lending criteria. Terms & Conditions and fees & charges apply. This loan is only available for loans where the LVR is 70% or lower.
  • 4 WARNING: Comparison rate based on $150,000 over 25 years. 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. Applications are subject to lending criteria. Terms & Conditions and fees & charges apply.
  • 5 WARNING: Comparison rate based on $150,000 over 25 years. 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. Applications are subject to lending criteria. Terms & Conditions and fees & charges apply. Loan will revert to The Mac Basic Variable Home Loan upon completion of fixed period.
  • 6 WARNING: Comparison rate based on $30,000 over 5 years. 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. Applications are subject to lending criteria. Terms & Conditions and fees & charges apply.
  • 7 The Canstar 2021 Outstanding Value Car Loan Award was received in November 2021 from www.canstar.com.au
  • 8 Maximum of 2 withdrawals per calendar year. We reserve the right to close or refuse to accept further deposits if the account is not being used for purposes other than for private or domestic use of the child.
  • 9 Minimum $500 for Junior Term Deposits. Only available for members with a Mini Mac Bonus Saver or a Youth Saver Account.

We're ready to help you

  • Get in touch

    We want to make it as quick and easy to contact us as we can, we're open from 9.30am to 4.30pm.

  • FAQs

    Here at The Mac we are friendly, helpful & supportive. All your FAQs are easy to access.

  • Security

    We have employed a wide range of security measures to help protect your personal information and transactions.

  • Find a branch

    Meet with our friendly staff in person at a branch near you.

The Mac

Solutions

Home Loans
Personal Loans
Everyday Banking
Business Banking

Support

FAQs
Lost Cards
Security
Hardship

About Us

Our Story
Our Team
Corporate Information
Why The Mac

Resources

Rates & Fees
Calculators
The Fine Print
How to Videos

1300 622 278 / BSB 802 388 © 2025 The Mac is a registered trademark of Macarthur Credit Union Ltd ABN 83 087 650 244. AFSL/Australian Credit licence No 239933 Any advice or information on this site does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Please review our Conditions of Use, Summary of Accounts and Access Facilities and Fees, Charges & Transaction Limits brochures before acquiring our products.
Download the app  Get it on Google Play