FCCS Credit Union home loans

FCCS logo

Compare FCCS Credit Union home loan offers.

FCCS Credit Union was established in 1974 and aims to provide competitive financial products and services to all of its members throughout Australia. Its suite of products includes a number of home loan options for prospective borrowers.

Awards that FCCS Credit Union has earned

  • Best DIY Super Saver Account: 2009 Money Magazine Best of the Best Awards

Compare FCCS Credit Union home loans

Rates last updated November 18th, 2018
Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
FCCS Credit Union Affinity Home Loan Package - LVR <80% (Owner Occupier, P&I)
$295 p.a.
FCCS Credit Union Affinity Home Loan Package - LVR >80% to <90% (Owner Occupier, P&I)
$295 p.a.
FCCS Credit Union Mutual Home Loan - LVR <80% (Owner Occupier, P&I)
$0 p.a.
FCCS Credit Union Affinity Home Loan Package - LVR <80% (Investor, P&I)
$295 p.a.
FCCS Credit Union Affinity Home Loan Package - LVR >80	(Investor, P&I)
$295 p.a.
$0 p.a.
FCCS Credit Union Mutual Home Loan - LVR >90% (Owner Occupier, IO)
$0 p.a.
$0 p.a.

Compare up to 4 providers

Who is FCCS Credit Union?

FCCS Credit Union aims to focus on member-benefits, community involvement, fairer fees and customer service. FCCS profits are returned back into the credit union to help offer better products to its members.

FCCS offers five home loans, each with its own individual benefits. From basic options through to rewards-based loans and comprehensive packages, FCCS Credit Union offers a range of mortgage to potential borrowers.

Home loans offered by FCCS Credit Union

Value Plus home loan

The Value Plus home loan provides a competitive interest rate and a number of flexible options. It features an offset account to help you reduce the interest you pay on your home loan, plus the option to make weekly, fortnightly or monthly repayments. The Value Plus home loan also gives you the choice of making extra repayments on your loan and then having the flexibility of being able to redraw on these extra repayments.

Property Accumulator home loan

If you’re looking to purchase a residential property, the Property Accumulator home loan provides competitive variable interest rates and flexible options. Loan features include a mortgage offset account, free online redraw facilities and the ability to make extra repayments without incurring any penalties. Weekly, fortnightly and monthly payments are available and you have the ability to top up your loan.

The Relocation home loan

If you want to build or purchase your dream home without the need to sell your current home first, the Relocation Home Loan may be the product for you. With no repayments on the loan amount required for the first 12 months of the loan, it offers the flexibility to allow you to relocate. Other loan features includes competitive variable interest rates, plus the option to make variable or lump sum repayments.

Rewards home loan

The Rewards Home Loan offers a competitive standard variable rate to enable members to save as much money as possible on their home loans. Benefits include the ability to pay your loan off early without incurring any penalties, plus free ATM and EFTPOS transactions.

Member Advantage home loan

The Member Advantage offers competitive variable interest rates, free online redraw facilities and the ability to make extra repayments without penalty. It also offers the ability to refinance home loans from another lender, so if you’re not happy with your current lender you can switch to FCCS.

About how to compare home loans

Pros and cons of FCCS Credit Union home loans


  • Discounted interest rate. FCCS Credit Union provides an interest rate discount on its Value Plus Home Loan for an introductory period to eligible customers.
  • Focus on the needs of customers. FCCS works in the best interests of its owners, who are also its members. It does not pass any profits to its shareholders but instead makes them available to its members in terms of attractive rates and better products and services.
  • Good choice. FCCS has a wide variety of home loan options so potential borrowers have a number of products to choose from.


  • Lack of branches. FCCS only has three branches across Australia, which is a definite drawback for those who like to deal with their financial institution face to face.

How to apply for a FCCS Credit Union home loan

If you would like to apply for a home loan from FCCS, please consult a mortgage broker.

Documents needed to apply for a FCCS Credit Union home loan

Personal information

Proof of identity is not required to apply for the loan, however you will be required to supply suitable identification at a later date, including:

  • If you are an existing member of the Credit Union, your membership number
  • If you have not been living at your current address for at least two years, the details of your previous address

Property information

You will also need to provide details of the property you are purchasing:

  • Details of location
  • Type of property
  • Purchase price
  • Your monetary contribution
  • Name of agent or private vendor
  • Name of your solicitor

Financial information

Financial information you will need to supply includes:

  • Proof of income. Depending on your situation, this could be in the form of payslips, tax returns, bank statements or your contract of employment.
  • Details of your assets. This includes bank accounts, shares, life insurance, motor vehicles and personal assets.
  • Details of your financial commitments. This includes payments on other loans, mortgages, credit cards etc.

In order to determine whether one of FCCS Credit Union’s home loans is right for you, compare loans with other products on the market and seek advice from a mortgage expert.

Was this content helpful to you? No  Yes

Related Posts

Home Loan Offers

Important Information*
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 3.59% p.a. and a 3.59% p.a. comparison rate.

loans.com.au Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 3.64% p.a.
comp rate of 3.66% p.a.

Tic:Toc Live in Loan Variable Rate - Principal & Interest

Get a very low interest rate and avoid big fees. Apply online for full approval in under 30 minutes and add a 100% offset account for $10 a month.

HSBC Home Value Loan - (Owner Occupier P&I)

Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.
Ask a question
Go to site