Each link opens Laboratories Credit Union’s products in that category, shown with the same figures we use for the rest of the market.
Lowest variable rate, owner-occupied, principal & interest6.60% p.a.6.47% p.a. comparison rate*First Home Buyer Loan Variable Variable owner-occupied principal and interest rates across its 5 home loans run from 6.60% to 7.49% p.a., with comparison rates from 6.47% to 7.51% p.a. Its average variable owner-occupied principal and interest rate is 6.78% p.a. (comparison 6.77% p.a.), against a market average of 6.85% p.a. (comparison 6.97% p.a.) across 389 home loans from 101 providers.*
Products First Home Buyer Loan Variable, Intelligent Mortgage 1 Year Fixed, Intelligent Mortgage 2 Years Fixed, Intelligent Mortgage Variable, Bridging Loan Owner Occupied Variable, Bridging Loan Investment Variable, Intelligent Mortgage Investment Loan 1 Year Fixed Rate, Intelligent Mortgage Investment Loan 2 Year Fixed
1 of its 5 variable home loans shows no rate change since the RBA’s 29 Sep 2026 decision: Bridging Loan Owner Occupied Variable.
Lowest advertised rate8.05% p.a.8.33% p.a. comparison rate*New Wheels Car Loan Its headline rate has not changed in the last 30 days.
Lowest advertised rate9.50% p.a.9.79% p.a. comparison rate*New Cars Advertised rates across its 4 personal loans run from 9.50% to 15.25% p.a., with comparison rates from 9.79% to 15.55% p.a. Of those, 4 publish a variable rate. Its average advertised rate is 11.53% p.a. (comparison 11.82% p.a.), against a market average of 9.39% p.a. (comparison 10.12% p.a.) across 186 personal loans from 72 providers. None of these headline rates has changed in the last 30 days.*
Products New Cars, Used Cars, Home Renovation Loan, Personal Loan
Highest advertised rate4.00% p.a.Savvy Saver
Advertised rates across its 2 savings accounts run from 1.00% to 4.00% p.a. Of those, 1 pays a bonus rate when conditions are met.
Products Savvy Saver, Esaver Account
1 of its 2 savings accounts shows no rate change since the RBA’s 29 Sep 2026 decision: Esaver Account.
Highest advertised rate4.90% p.a.Monthly Interest 12 Month Term Deposit
Advertised rates across its 2 term deposits run from 4.60% to 4.90% p.a. Terms run from 5 months to 3 years. One headline rate has risen in the last 30 days.
Products Monthly Interest 12 Month Term Deposit, Fixed Term Deposit
Comparison rate warning
*Warning: the comparison rates shown for home loans are calculated by each lender on its own standard example, usually a $150,000 loan 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.
*Warning: the comparison rates shown for car loans and personal loans are calculated by each lender on its own standard example, usually a $30,000 loan 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.
Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.
This information is general in nature. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to apply for or hold any particular product. You should read the provider’s Key Facts Sheet, Target Market Determination and terms and conditions or credit contract terms before deciding. CompareThat compares products. We do not arrange, approve or process applications.