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.

Fixed Rate Home Loan

Do you prefer the security of knowing your home loan interest rate and repayments don't change, no matter what?

Do you like to know what your budget is and stick to it? If so, talk to us about getting you fixed for 1 to 5 years. At the end of the fixed period you swap across to our standard variable interest rate.

Our 1-5 year Fixed Rate Home Loans also lock in these features:

  • Additional payments of up to $20,000 p.a. allowed

Apply Now 

Check out these fantastic owner occupied rates!

Fixed Rate Home Loan for 1 Year

Interest Rate: 3.99% P.A.

Comparison rate: 5.12% P.A.

Fixed Rate Home Loan for 2 Years

Interest Rate: 3.99% P.A.

Comparison rate: 5.01% P.A.

Fixed Rate Home Loan for 3 Years

Interest Rate: 3.99% P.A.

Comparison rate: 4.91% P.A.

Fixed Rate Home Loan for 4 Years

Interest Rate: 4.59% P.A.

Comparison rate: 5.03% P.A.

Fixed Rate Home Loan for 5 Years

Interest Rate: 4.69% P.A.

Comparison rate: 5.03% P.A.

Rates revert to Standard Variable Rate at end of fixed term.

Fixed Rate Home Loans are a smart property investment, too!

Our competitive Fixed Rate Home Loan means you will know exactly what your repayments will be. With fixed terms from 1 to 5 years, and the capacity to borrow up to 90% of the property’s value, we can help you start your own investment property portfolio today!

Our Fixed Rate Investment Loans come with these Better Banking promises:

  • Same day approval – valid for 3 months*
  • No annual or monthly fees
  • Free property research and reports
  • We’ll always meet your settlement times

Apply Now 

Free property research! Better still.

Searching for a home but need a hand? How about FREE property research reports through CoreLogic RP Data, complete with suburb details designed to help you at the negotiating table. The reports cover recent sales details, median house prices as well as a profile of the suburb you’d love to live in. A FREE property research report, just by asking us!

Move into a Fixed Rate Home Loan. We do the heavy lifting!

Keen to make the move to Police Credit Union? We’ll be the removalist for your home loan. Just call us and we’ll look after you, moving home loan providers. We act on your behalf, arranging all required documents, organising your payout date and your new repayments. The moment you’ve got conditional approval, simply sign one form. It’s that easy!


Use our range of calculators to help you assess your borrowing power, repayments, financial situation and more. Click here.

Interest Rates & Fees

Find out more about interest rates and fees.

Apply Now 

For more information on the Fixed Rate Home Loan speak to our friendly staff:

During business hours: 1300 131 844
You can email us at [email protected].
Or, you can always drop in to your local branch and one of our friendly staff can help you.

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

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