BSB 805 005Ph 1300 131 844

Better Products

Our Better Banking products will give you what you’ve been looking for. Whether it’s a loan rate, savings account, credit card, overdraft or insurance advice – we’ve got you covered. We also have all the financial planning advice you could want to give you a better future.

And, because we listen to our Members, our products keep getting better and better.

Better Access

Our range of better access products and services give you control of your accounts whether you’re online at your desk, on your mobile, travelling overseas or in a branch.

Learn more about having every option at your fingertips. You’ll be better off!

Better Security

With our Guardian Fraud Protection Service and our fraud experts, Police Credit Union is committed to providing you with a secure banking environment and to denying funding to organised crime.

Security and Protection? Who better than Police Credit Union.

Better Banking Tips

We are all looking for ‘better’.

Especially when it comes to reaching your financial goals so you can get the things that you want while you can still enjoy them. This is where Police Credit Union can help.

So what do you want to do? We have put together a range of tips and advice to help you reach your ‘better’.

About Us

Since 1970, Police Credit Union has helped thousands of South Australians and Territorians achieve their financial goals and dreams with our range of better products and services.

Let’s get to know each other, even better.


Providing financial support and volunteering for events for charity, sporting associations, Christmas pageants and partnership initiatives are just the start of what we do under our Plant the Seed initiative.

Plus, of course, we’re constantly sharing the latest insights, tips and innovation when it comes to economic, technological and financial trends.

We’re always better, together.

rediATM Locator

Find your closest rediATM by searching below.

Find a branch

Want to come visit us? Search below to find your closest branch.

Home Loans


Not sure which Home Loan is better for you? Can you do better than the banks?

Deciding which Home Loan is best for you can be a daunting task. We are here to help you make a decision that will provide the best outcome for you.

Fixed Rate Home Loan VS. Variable Home Loan.

To know which is best for you, keep in mind:

  • A Fixed Rate Home Loan means you know exactly what your monthly repayments will be. This is great for budgeting purposes.
  • A Variable Home Loan can provide you with more flexibility.

We want you to feel in control of your financial future, so take a look at our comparison table to help decide which Home Loan is best for you.

If you’re looking for a variable home loan, you can always use our Home Loan Combobulator to see just how much better our home loans are, and how much you could save!

But remember, we are always here to help so if you are unsure give us a call.

Compare our Home Loans

I want to...
Better Banking
No Ongoing or
Monthly Fees
Max Loan

The Better Home Loan

P.A. Comparison
Split Loan Available
30 Years
Learn more Apply now

Better Fixed Home Loan

P.A. Comparison
Fixed for 3 years
Split Loan Available
30 Years
Learn more Apply now

Better Special Variable Home Loan (Owner Occupied)

P.A. Comparison
30 Years
Learn more Apply now

Bridging Loans

P.A. Comparison
Interest Only
No Monthly Fees
12 Months
Learn more Apply now

A Reverse Mortgage

P.A. Comparison
Standard Reverse Mortgage
No Monthly Fees
Learn more

The comparison table above highlights some of our most popular products, if you would like to see a full list of our Home Loan products, you can download our Rate Sheet PDF here.

Reverse Mortgage Information Statement
For the Reverse Mortgage Information Statement click here.

Need a bit more information?

We offer a great range of variable rate loans, fixed and variable combinations, interest only and construction and bridging solutions. Most of our loans are fully featured with flexible repayments, terms up to 40 years, 100% mortgage offset and free online redraw. Here’s some that might be of interest to you.

Fixed Rate Home & Investment Loans:

Better Fixed Home Loan
A Police Credit Union ‘Better Fixed’ Home Loan freezes your mortgage fees with an offset account on a fixed rate home loan. Hello, Better Banking!

Fixed Rate Home Loan
How much better off would you be if your home loan interest rate & repayments weren’t going to change for 1 to 5 years, no matter what?


Variable Rate Home & Investment Loans:

Better Special Variable Home Loan
With a Police Credit Union Better Special Variable Home Loan, you are able to control your mortgage monster with record low rates.

The Better Home Loan
Looking for a home loan rate so low, your loan will want to move itself? Come and talk to us about how we can help you do better than the banks.

Discount Variable Rate Home Loan
Get the advantage of interest rate changes with the market. Even better, get a discount over the Standard Variable Rate.

Don’t forget to use our Home Loan Combobulator to see just how much you could save with our Better Home Loan or Better Special Variable Home Loan!


Other Lending products:

Construction Loans
Building a new home or taking on a major renovation? A Police Credit Union construction loan can make the process easier. 

Line of Credit
It’s like having a Visa card with a very big limit, at a very low interest rate.

Online Redraw
Redraw your extra loan repayments online… for anything you like. Better than that, you redraw for free!

Reverse Mortgage Loan
Thanks to Heartland Seniors Finance, their Reverse Mortgage could let you borrow against your home to release equity. Your chances of that dream holiday just got a lot better. 

We're here to help you buy a house

If you’re looking to buy your first home, refinance the one you’re in, or start your property investment portfolio, we offer home loans and advice that suit your needs, better.

Request a callback

Need to talk to us, but not right now? Leave your contact details and we will call you back at a time which best suits you!

Best date to call