Following the RBA's decision to reduce the cash rate, we will be decreasing home and business loan variable interest rates for existing Members. Read more.

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Mutual Visa Credit Card & Personal Loan Interest Rates

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Mutual Visa Credit Card

Effective Date: 29 November 2023

Credit Card Interest Rate
Purchases 12.49% p.a.  
Balance Transfers 12.49% p.a.
Cash Advances 12.49% p.a.

 

 

Personal Loans

Effective Date: 17 November 2023

Car Loans Interest Rate Comparison Rate
New Car Fixed from 7.99% p.a. 8.27% p.a.
Used Car Fixed from 8.99% p.a. 9.28% p.a.

 

Personal Loans Interest Rate Comparison Rate
Secured Fixed from 8.49% p.a. 8.78% p.a.
Unsecured Fixed from 12.49% p.a. 12.79% p.a.
  • 1 The interest rate offered to you will be personalised depending on our credit assessment of your financial situation. The interest rate shown is the minimum interest rate that may be applicable.
  • 2 Comparison rate is based on a secured loan of $30,000 over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Eligibility criteria, conditions, fees and charges apply to all loans. All loans are subject to The Mutual Bank’s lending guidelines. Full details of Terms and Conditions are available on application. Fees and charges may apply.

All interest rates quoted are fixed for the term of the loan.
Each of the above comparison rates is calculated on the basis that the loan repayments made at monthly intervals. Comparison Rate is calculated on a loan amount of $30,000 for a term of 5 years.

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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 Product Disclosure Statement, Target Market Determinations, Terms and Conditions, Financial Services Guide, and Credit Guide before deciding to acquire a product.

Eligibility and lending criteria, conditions, fees, and charges apply to all loans. Interest rates, fees, and charges may change without notice. Information is current as at date of appearance and is subject to change. We use reasonable efforts to provide accurate and up to date information. However, mistakes may still occur from time to time, and we cannot guarantee that this website is free from any errors, inaccuracies or omissions. Maitland Mutual Limited trading as The Mutual Bank ABN 94 087 651 983 AFSL/Australian credit licence 238139.

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We acknowledge the Traditional Owners of the lands on which we operate and pay our respects to Elders past and present, and to emerging community leaders. We also acknowledge the important role Aboriginal and Torres Strait Islander peoples continue to play within the communities in which The Mutual Bank operates and where our team members reside.