Members Equity
GET to know your bank
Your USU membership gives you the option of applying for any one of the Super Members Home Loans, all of which are offered at a discounted interest rate. As well as a discounted interest rate, other benefits of the SMHL range include:

• No application fee
• No valuation fee 
• No ongoing account keeping fees
• Split and top-ups available
• Free redraw and free lump sum payments
• No fees for phone or Internet banking

Get to know your Super Members Home Loan range
Standard Home Loan
If you are after a low cost yet flexible home loan, this is the one for you. Take advantage of a range of options, including the ability to switch from a variable to a fixed interest rate, split your loan or even top-up your loan at no cost.
Offset Account
The Ultimate Offset Account is a versatile all-in-one home loan and transaction facility that offers a competitive variable interest rate, is free from transaction fees, and gives you the opportunity to offset your income and savings against your home loan balance.
Interest Only Investment Loan
The Interest Only Investment Loan is designed to suit all types of investors. If your plans include investment in real estate, managed funds or shares, then this product may be the one for you.  

Applications are subject to credit approval. Fees and charges apply. Terms and conditions available on request.

Get to know your bank’s deposit products
The Me Online Savings Account
The ME Online Savings Account gives you a great interest rate whilst giving you access to your money via phone or Internet banking at any time. 
 
Benefits at a glance:

• Competitive interest rate on every dollar in your account every day
• Deposit  and withdraw money without penalty at any time
• No minimum opening deposit or balance required
• Free phone and Internet banking, and no other fees

This is general information only and you should consider if the ME online Savings Account is appropriate for you.

The all-in-one deposit account
The InterestME Savings Account is a 2-in-1 account that pays the high interest of a savings account combined with the easy access of a transaction account.  

Benefits at a glance:

• Earn a competitive rate of interest on every dollar over $3000
• Earn 0.25% p.a. on every dollar up to $3000
• No account keeping fees
• No minimum monthly balance required
• 15 free EFTPOS transactions each month
• Free direct debits and credits
• Free phone and Internet banking
• Access to funds 24 hours a day, 7 days a week via ATM and EFTPOS
• Cheque book option

This is general information only and you should consider if the InterestME Savings Account is appropriate for you.

ME Term Deposit
Get great returns with a ME Term Deposit offering you a range of terms from 3 to 24 months as well as a range of interest rates.    This gives you the ability to plan an investment strategy to meet your goals.  

Benefits at a glance:

• Five different terms to choose from
• Competitive interest that is calculated daily and paid out at maturity for terms of 12 months or less^
• Your investment will grow as interest rates are fixed at the beginning of the term
• No account opening or on going management fees 
• Choose to have your deposit automatically roll over into a new deposit at the end of each term so you never have to worry about it.

This is general information only and you should consider if the ME Term Deposit is appropriate for you.

^Interest on the 24 month term is credited to your nominated account on the 12 month anniversary of the day the account was opened and at maturity in accordance to your instructions.

Get to know your bank’s Credit Card
Want all the benefits of credit without the hassle of managing reward points or high interest? Then the Members Equity MasterCard is the smart choice.  

Benefits at a glance:

• One of Australia's lowest ongoing credit card rates
• Up to 44 days interest free on purchases
• A low $39 annual fee
• No charge for additional cardholders
• Emergency worldwide replacement if card is lost or stolen

Applications are subject to credit approval. Fees and charges apply. Terms and conditions available on request.

Get to know your bank’s Personal Loan
Whether it's for practical reasons or for pure indulgence, the Members Equity Personal Loan is a simple, low-cost way to borrow money to finance a major purchase.  

Benefits at a glance:

• A low fixed interest rate
• No ongoing account keeping fees
• No annual fee
• No fees for extra repayments
• No penalties for early payout
• Select your own loan term from 1 to 5 years
• Easy application process

If you need a new car, want to consolidate your debts or even take a holiday a Members Equity Bank Personal Loan can help.

Applications are subject to credit approval. Fees and charges apply. Terms and conditions available on request

For more information on the Super Members Home Loan range or any of their other banking products call 13 15 63 or visit www.membersequitybank.com.au today.