Buying a house or car, renovating your house, new furniture, a block of land, a holiday, a computer or pay out your Credit card.
These are just some of the reasons to apply for a Loan from Wagga Mutual Credit Union.
Remember when a loan was a loan, and you didn’t have to have an economics degree to unravel the hidden fees and charges? So do we, at Wagga Mutual Credit Union, who have been helping our members in the Wagga Wagga area for more than 30 years.
Wagga Mutual, locally owned by it’s members, listens to your needs, and when we feel we understand your requirements, we will tailor the loan to suit.
Hassle free loans, tailored to your lifestyle, with personal friendly service, competitive interest rates, and speedy approval. No hidden fees or charges or early payout penalties.
At Wagga Mutual, we listen to you when you inquire about a loan and we will work with you to tailor the loan to suit your budget. We might ask some questions but these are designed to help you obtain the loan as quickly as possible.
Click on the links below, phone our loans Department now on 1300 369 628 or request more information completing our loan feedback form.
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 Home Loans
Before making what will be probably be the biggest financial commitment of your life, talk to Wagga Mutual Credit Union about our $500 Cash Back Home Loan.more |
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Car Loans
Wagga Mutual Credit Union is continuing to provide a quality car loan service, with extremely competitive interest rates and a four hour loan approval service.more |
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Personal Loans
Are you dreaming of a holiday, a new boat or a computer for the kid’s.more |
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Loan Calculator
So you’re doing your homework before taking out a loan and working out how much you can afford. So how much will your loan repayments be?more |
Put your money where it will grow!
Term Deposits are an ideal way to save for your children’s education, a deposit for a house or car, not to mention your retirement.
A Wagga Mutual term deposit gives you a fixed rate of return for the term you choose.
With a Wagga Mutual Credit Union Term Deposit, your money is secure and working for you.
A Term Deposit is a formal agreement between you the member, and Wagga Mutual, to
deposit an agreed amount of money (the ‘principal’) for a fixed period of time (the ‘term’) at an agreed interest rate.
With as little as $1000, you can invest your money for a term that suits you – for a minimum of 3 months to a maximum of 24 months – at the applicable rate for that term. And, the interest rate won’t change, so you’re certain of your return.
The interest you earn can be paid monthly or on maturity of the Term Deposit in your choice of ways you’ve just read. (Monthly interest Term Deposits rates vary from standard Term Deposit rates).
A courtesy note is sent prior to the Term’s ‘maturity’ date indicating new interest rates.
Unless you tell us otherwise, we’ll reinvest the principal and interest for you at the same term at the current interest rate.
While we understand that saving for your future is important, sometimes emergencies and other unforseen circumstances arise and you need to access some or all of your investment.
Accessing some or all of your investment may be possible, please discuss your individual requirements with our Member Service Consultants.
To open a Term Deposit, simply become a member of Wagga Mutual Credit Union and complete the Term Deposit application form available at any branch or download an application form by clicking on this yellow folder 
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Term Deposit interesting benefits.
% FREE OF Government charges – Wagga Mutual Credit Union will pay any Financial Institutions Duty applicable.
% FREE of any account keeping fees.
% You nominate the term most suitable to your needs.
% Interest paid on maturity can be transferred into your account, issued by cheque or reinvested with principal.
% Interest can be paid monthly into your Wagga Mutual account.
% The interest rate won’t change during the term of the Term Deposit.
% You’re safe with Wagga Mutual we operate under the Australia Financial Institutions Commission (AFIC) legislation.