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					                                Lysaght Credit Union Ltd.
                         13 Auburn Street Wollongong NSW 2500
                                          ABN 79 087 650 226 AFSL 244520

                                                        Interest Rates
Savings Accounts                                      as at 18th August 2011
 At call savings-S1                                                          Balance over $50,000                                     0.10%
                                                                Balance between $19,999 & $49,999                                     0.10%
                                                                             Balance up to $19,999                                    0.01%
 Budget savings-S2                                                                     Whole sum                                      0.01%
 Christmas club-S3                                                                   Under $1,000                                     2.00%
                                                                                      Over $1,000                                     3.00%
 E.S.P -S4                                                                                                            same as S1
 Business Accounts – S7                                                                                               same as S1

Notice of Withdrawal                                  as at 18th August 2011
                                                                            Balances over $100,000                                    5.00%
                                                               Balances between $50,000 & $99,999                                     4.00%
 24 Hours Notice of Withdrawal                                  Balance between $25,000 & $49,999                                     3.75%
 Minimum Withdrawal of $200.                                       Balance between $500 & $24,999                                     3.50%
                                                                                Balance up to $499                                    0.30%

Deeming                                               as at 18th August 2011
 Deeming account for 55s                                                       Balances up to $44,600                                 3.00%
                                                                           For balances above $44,600                                 4.50%
                                                                          on the amount above $44,600

Investment Accounts                                   as at 18th August 2011
TERM                                   INTEREST PAID               $1,000 - $4,999            $5,000 - $49,999                 $50,000 +
                                                                                     I4                          I4                        I4
 12 months                             At maturity                     5.50%                     6.00%                        6.00%
                                                                                     I2                          I2                        I2
 12 months                             Monthly                         5.35%                     5.85%                        5.85%
                                                                                     I6                          I6                        I6
 9, 10 or 11 months                    At maturity                     5.00%                     6.00%                        6.00%
                                                                                     I8                          I8                        I8
 9, 10 or 11 months                    Monthly                         4.85%                     5.85%                        5.85%
                                                                                     I3                          I3                        I3
 6, 7 or 8 months                      At maturity                     5.00%                     6.00%                        6.00%
                                                                                     I5                          I5                        I5
 6, 7 or 8 months                      Monthly                         4.85%                     5.85%                        5.85%
                                                                                     I7                          I7                        I7
 3, 4 or 5 months                      At maturity                     4.60%                     5.55%                        5.60%
                                                                                     I9                          I9                        I9
 3, 4 or 5 months                      Monthly                         4.45%                     5.40%                        5.45%

UNDER 18’s TERM DEPOSIT                                              $500 - $4,999
                                                                                 I1
 3, 4, 5, or 6 months   At maturity                                    5.75%
                                         All accounts daily interest
              Rates may change at any time. Please call this office for confirmation of latest rates.
                    Investment rates may change between time of notice and maturity date.
                                         Terms & Conditions Apply.
Loans                                    as at 1st January 2011
                               Terms and conditions available on application
                                          Fees and charges apply.
 Overdrafts / Overdrawn Accounts                                                                                                      13.00%
                    FOR LYSAGHT CREDIT UNION LOAN RATES PLEASE TURN OVER
            This Schedule of Interest Rates forms Part 4 of Lysaght Credit Union’s Product Disclosure Statement (PDS) for Savings
                                    Accounts, Payment Services and Term Deposits dated 16th August 2010.
           This PDS is current from the above date and includes: Part 1 – Product & Services Summary, Part 2 – Terms & Conditions,
                                   Part 3 – Schedule of Fees & Charges, Part 4 – Schedule of Interest Rates.
     Comparison Rate Schedule                                                    18th August 2011
Car Loans and Personal Loans
Variable Interest Rates

                                                                     Cars > 1                Share             Personal
Car / Personal Loans                          New Cars
                                                                      Years                  Loan               Loans
Interest Rate (p.a)                            9.15%                 10.15%               11.20%               12.05%
Amount        Term
$5,000        2 years                            9.74%                 10.69%               11.31%               12.15%
$10,000       3 years                            9.36%                 10.31%               11.21%               12.06%
$15,000       4 years                            9.28%                 10.21%               11.19%               12.03%
$20,000       5 years                            9.23%                 10.18%               11.22%               12.07%
$25,000       5 years                            9.22%                 10.17%               11.21%               12.05%
$30,000       5 years                            9.21%                 10.16%               11.20%               12.04%
Based on Weekly Repayments.

Home Loans
                                                      Owner
Mortgage Secured Loans                                                         Investment               Interest Only
                                                     Occupied
Interest Rate (p.a)                                   7.20%                      7.20%                       7.20%
Amount         Term
$50,000        7 years                                  7.18%                      7.18%                       7.18%
$70,000        25 years                                 7.18%                      7.18%                       7.18%
$100,000       30 years                                 7.18%                      7.18%                       7.18%
$130,000       30 years                                 7.18%                      7.18%                       7.18%
$150,000       30 years                                 7.18%                      7.18%                       7.18%
$180,000       30 years                                 7.18%                      7.18%                       7.18%
$200,000       30 years                                 7.18%                      7.18%                       7.18%
$250,000       30 years                                 7.18%                      7.18%                       7.18%
$300,000       30 years                                 7.18%                      7.18%                       7.18%
Based on Weekly Repayments.

What are Comparison Rates?
New Comparison Rate Legislation became effective from the 1st July 03.

A comparison rate is an effective interest rate for any home or personal loan product,
excluding continuing lines of credit. The comparison rate incorporates the annual percentage
rate and any ascertainable fees, for example; Application, Valuation, Solicitors, Monthly or
Annual fees; Government and contingent (redraw etc) fees are excluded.

The legislation has been introduced so that consumers can fairly assess competitor interest
rates.


  This Schedule of Interest Rates forms Part 4 of Lysaght Credit Union’s Product Disclosure Statement (PDS) for Savings
                          Accounts, Payment Services and Term Deposits dated 16th August 2010.
 This PDS is current from the above date and includes: Part 1 – Product & Services Summary, Part 2 – Terms & Conditions,
                         Part 3 – Schedule of Fees & Charges, Part 4 – Schedule of Interest Rates.

				
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