BankWest Rate Tracker Home Loan

  Would saving thousands on your home loan make you happy?

  Rate Tracker is simple - for the first two years of your home loan, we take the average standard variable rate of the big four banks and then take off 1% p.a.

• Low 8.46% p.a. variable rate - comparison rate of 8.97% p.a.^#
• No ongoing fees
• Borrow up to 95% of the value of your property (conditions apply)

  To arrange a visit with a Mobile Banking Manager, please
call 13 17 19 or visit bankwest.com.au/ratetracker

Important things you should know: The BankWest Rate Tracker Home Loan Rate is an introductory rate for 24 months. At the end of the introductory period the rate will revert to BankWest’s Lite Home Loan Rate, currently 8.98% p.a (comparison rate of 8.99 % p.a.). Comparison rate based on a loan of $150,000 for a term of 25 years. A copy of the Comparison Rate Schedule is available online at bankwest.com.au or from BankWest branches. 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. Rates subject to change. The average of the big four banks’ standard variable rates is calculated monthly by BankWest. Lending criteria and fees and charges apply. Terms and conditions apply and are available on request. Bank of Western Australia Ltd ABN 22 050 494 454 AFSL 236872, a member of the HBOS Australia group.

7.92% p.a. ^8.84% comp. rate

12 month introductory rate:

• Ability to make extra repayments and unlimited redraw free of cost.
• No ongoing or annual fees.
• An Introductory Variable Rate that reverts to a low variable rate after 1 year. 

Contact

Email: info@morganbrooks.com.au        
Web: www.morganbrooks.com.au
Free call 1800 801 999

^ For new business only. Introductory rate of 7.77% p.a is variable and correct as at the 27th of March 2008. This rate applies for the first 12 months of the loan and will revert back to variable rate of 8.77% (subject to change at the time of conversion). Loans are subject to normal Morgan Brooks DIRECT lending policies & prudential guidelines. Fees and charges apply. Full terms and comparison rate schedule are available on application.

Macquarie Bank Visa RateSaver Card

Macquarie shakes up the Low Rate Credit Card market with this new offer:

• Low on-going 11.95%p.a. on purchases
• 0%^* interest on balances transferred from other credit cards for the first 4 months^{^}
• Low annual fee - just $50
• Up to 55 days interest free on purchases

Approval is subject to Macquarie Card Services credit criteria. Terms and conditions, fees and charges apply and are available upon request. Allow up to 10 working days to process your application. Interest rates are variable, currently 11.95%p.a. on purchases and 18.95%p.a. on cash advances, subject to change and Macquarie Card Services credit criteria.
^* The 0% p.a. interest rate applies only to balances transferred with this offer from the date the account is approved. Minimum repayments are required. ^{^} Transferred balances will be repaid first. Discounted interest rate applies to the balance transferred for the first 4 months from the date your account is approved, and then reverts to the standard variable rate applicable for purchases which is subject to change.

BankWest Zero Mastercard

• ZERO interest on balance transfers for 9 months
• ZERO interest on purchases for 6 months
• ZERO annual fee
• Then 15.99% p.a. ongoing on all your transactions

To find out more, call 13 17 18 or visit bankwest.com.au/zero

Important things you should know: This product is issued by Bank of Western Australia Ltd ABN 22 050 494 454 AFSL 236872, a member of the HBOS Australia group. Lending criteria, fees and charges apply. Terms and conditions apply and are available on request. Rates subject to change. Introductory rate of 0% p.a. for 9 months on balance transfers and 0% p.a. for 6 months on purchases applies from the date the card is approved. Minimum balance transfer amount $500. Only non-BankWest credit cards can be balance transferred to a BankWest Zero MasterCard. One BankWest Zero MasterCard account per customer.

The honeymoon is never over.

Feel cheated by your credit card? With a low 10.50%pa on everything, everyday.... our new VISA Credit Card stays just as interested when the honeymoon is over!

Want to know more? Click here

Terms and conditions, fees and charges apply. Interest rate correct as at 20 May 2008. Subject to change

Better Deal on your Car Loan =
A Better Deal at the Car Yard!

Car dealers are just itching to do a deal at this time of year. With plenty of 07 plated car stock around, it’s the right time for you to drive a bargain if you are in the market for a new or used car.

Want to know more? Click here

All interest rates are correct as at 20 May 2008, subject to change.*Terms and conditions, fees and charges apply. * Loans are subject to normal lending criteria. #Comparison Rate is based on a secured loan of $30,000 over a 5 year term. WARNING: This Comparison Rate applies only to the examples given. Different amounts and terms will result in different comparison rates. All loans are secured. A comparison Rate Schedule is available at our branches and online at www.sydneycu.com.au

BankWest TeleNet Saver

• Australia's highest variable online rate
• 8.25% p.a. on balances up to $5million per customer^*
• Promotional rate paid until January 2009
• Paid only on the excess above 30 April 2008 account balances 
• No fees and no minimum deposit

Call 133 919 or visit bankwest.com.au/telenet

Important things you should know: This product is issued by Bank of Western Australia Ltd ABN 22 050 494 454 AFSL 236872, a member of the HBOS Australia group. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. You should consider the Product Disclosure Statement and whether the product is right for you. A PDS is available from bankwest.com.au or by calling 13 17 18.

^*Rate subject to change. Offer available for a limited time and may be withdrawn at any time. Other rates apply to existing TeleNet Saver customers as at 30/4/08. For details, see the Interest Rate Schedule as at 1 May 2008. Rate claim confirmed by InfoChoice as at 1 May 2008.

Get your money working harder with a Citibank Ultimate Saver. 

Earn 7.00%p.a.* with a directsaver account - A High Interest Online Savings Account from St.George.

And remember, it is what's behind our rate that really makes the difference - our people. We're here to help you over the phone when you need us. Not what you would expect from an online bank! And that’s the difference with directsaver - a great online rate backed by the service you'd expect from St.George.

No hidden catches:    

• High variable bonus interest rate of 7.00% p.a* on your full balance.
• No fees to help maximise your savings.
• No minimum balance so you earn a great rate on every dollar every day.
• Instant funds transfer when linked to an eligible St.George account.
• Unlimited fee-free phone and Internet banking - 24 hours, 7 days a week.
• Interest calculated daily on your total balance and paid monthly.
• Use it as your DIY Super account.

Hurry, Bonus rate available for a limited time only.

Click here to apply.

*Conditions apply.

Get more mileage
from your Term Deposit

To apply call: 1300 13 22 77
www.communityfirst.com.au

This offer is only available for new funds not currently invested in Community First. It does not apply to rollovers or top ups unless the top up amount is by $50,000 in addition to the current term balance. The offer applies only to the 12 month Term Deposit Special – $50,000 minimum deposit. Interest rate is 8.50%p.a and interest is payable at maturity only. Offer opens Wednesday 18 June 2008 and expires 18 August 2008. We reserve the right to stop the offer at any time. Offer can only be redeemed once per Member. Members cannot divide the investment into multiple terms of $50,000 or more. Members are only eligible to receive the $200 free fuel once. Members who take up the offer will receive $200 free fuel for any amount over the $50,000 minimum deposit. The amount of free fuel does not change. The $200 free fuel will be in the form of a Caltex StarCash Gift card which will be delivered to the Member by registered post within two weeks of the term deposit commencement.

bankwest tddirect 
term deposit

• Absolutely no fees
• Choice of 3, 6 and 12 month terms
• 10-day grace period upon maturity to decide what you want to do with your money
• Low minimum opening deposit of $1,000

Call 13 17 18 or visit bankwest.com.au/tddirect

Important things you should know: This product is issued by Bank of Western Australia Ltd ABN 22 050 494 454 AFSL 236872, a member of the HBOS Australia group. This account requires a minimum deposit of $1,000. There is a $5,000,000 maximum investment per customer. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. You should consider the Product Disclosure Statement and whether the product is right for you. A PDS is available at bankwest.com.au or by calling 13 17 18. Rates effective 9 May 2008 and subject to change.

Come into a branch to open or call 1300 654 159.

*Rates are current as at 30 June 2008 and are subject to change. Offer is available on balances from $20,000. Interest is paid at maturity. This information has been prepared without taking account of your objectives, financial situation or needs. Before acquiring or deciding to hold a Term Deposit, you should read the Product Disclosure Statement, available on request at any branch or by phoning 1300 654 159, and ensure that the product is appropriate for you. Charges may apply. Full details of all applicable terms and conditions are available on request. Term Deposits are issued St.George Bank Limited ABN 92 055 513 070 AFS Licence 240997.

For a limited time, CUA is offering InfoChoice members an additional 15 basis points (from 8.35% p.a. to 8.50% p.a.) on their 12 month Term Deposit for amounts greater than $10,000.

This offer is open to both new and current CUA members.

CUA also offers you access to loans, investment advice, health insurance, financial planning, travel arrangements and much more.

Apply now by calling CUA Direct on 133 282 or visiting your local branch and simply quote promotion code 526 or INFOCHOICE.

For further details please visit the CUA website.

Terms and Conditions are available on application. Fees and charges apply. A General Information, Terms & Conditions brochure and Schedule of Fees are available from our website or any CUA branch. You should read both of these documents before deciding whether to purchase this product, issued by CUA.

8.55%pa
8 MONTH FIXED 
TERM DEPOSIT
Minimum Amount Invested is $10,000
Interest Paid on Maturity

For you to take advantage of this offer; call 13 61 91 or visit www.sydneycu.com.au or drop into any of our branches today!!

Limited Offer. Based on amounts of $10,000 or more, over a period of 8 months. Early withdrawal fees apply. Interest paid at maturity. Please consider our fees and charges and terms and conditions (available by phoning 13 61 91 or at www.sydneycu.com.au) before you decide whether this product is suitable for you. Information correct as at 24th June 2008. Sydney Credit Union Limited ABN 93 087 650 726 AFS Licence No. 236476

Hot Term Deposit Special

8.40% p.a. 
11 month Term Deposit
Min. $20,000

Invest with the safety and security of one of Australia's largest Building Societies.

- Over 60 years experience 
- 65 Branches throughout NSW and SE QLD 
- A BRW top 200 privately owned Australian Company.

GOLD TERM DEPOSIT

or

> Accounts from $5,000 to $2,000,000.
> Interest on maturity.

Call 13 17 18 or visit any store today.

Important things you should know: This product is issued by Bank of Western Australia Ltd ABN 22 050 494 454 AFSL 236872, a member of the HBOS Australia group. The account requires a minimum deposit of $5,000. There is a $2,000,000 maximum investment limit per customer. You should consider the Product Disclosure Statement (PDS) and whether the product is right for you. A PDS is available from your local BankWest store, from bankwest.com.au, or by calling 13 17 18. Fees and charges apply and rates are subject to change.

Here's the NEWS

New deposits get a NEW RATE!

8.25% p.a.

term deposit with great terms

For more details visit www.rtascu.com.au or call our staff on (02) 9218 6604.

What'll it take to shift you?

8.40%^*pa
Term Deposit
for 11 months
on $5,000 or more

One of the hottest Term Deposit rates around.
Act quick call 13 14 22 or visit your local branch today.

^*Based on amounts of $5,000 or more, over a period of 11 months. Early withdrawal fees apply.Interest paid at maturity. Please consider our fees and charges and terms and conditions booklets (available by phoning 13 14 22 or at www.heritage.com.au) before you decide whether this product is right for you. Information correct as at 23 April 2008. Heritage Building Society Limited ABN 32 087 652 024 AFS Licence No. 240984

Come into a branch to open or call 1300 654 159.

*Rates are current as at 30 June 2008 and are subject to change. Offer is available on balances from $20,000. Interest is paid at maturity. This information has been prepared without taking account of your objectives, financial situation or needs. Before acquiring or deciding to hold a Term Deposit, you should read the Product Disclosure Statement, available on request at any branch or by phoning 1300 654 159, and ensure that the product is appropriate for you. Charges may apply. Full details of all applicable terms and conditions are available on request. Term Deposits are issued St.George Bank Limited ABN 92 055 513 070 AFS Licence 240997.

BankWest TeleNet Saver

• Australia's highest variable online rate
• 8.25% p.a. on balances up to $5million per customer^*
• Promotional rate paid until January 2009
• Paid only on the excess above 30 April 2008 account balances 
• No fees and no minimum deposit

Call 133 919 or visit bankwest.com.au/telenet

Important things you should know: This product is issued by Bank of Western Australia Ltd ABN 22 050 494 454 AFSL 236872, a member of the HBOS Australia group. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. You should consider the Product Disclosure Statement and whether the product is right for you. A PDS is available from bankwest.com.au or by calling 13 17 18.

^*Rate subject to change. Offer available for a limited time and may be withdrawn at any time. Other rates apply to existing TeleNet Saver customers as at 30/4/08. For details, see the Interest Rate Schedule as at 1 May 2008. Rate claim confirmed by InfoChoice as at 1 May 2008.

Earn 7.00%p.a.* with a directsaver account - A High Interest Online Savings Account from St.George.

And remember, it is what's behind our rate that really makes the difference - our people. We're here to help you over the phone when you need us. Not what you would expect from an online bank! And that’s the difference with directsaver - a great online rate backed by the service you'd expect from St.George.

No hidden catches:    

• High variable bonus interest rate of 7.00% p.a* on your full balance.
• No fees to help maximise your savings.
• No minimum balance so you earn a great rate on every dollar every day.
• Instant funds transfer when linked to an eligible St.George account.
• Unlimited fee-free phone and Internet banking - 24 hours, 7 days a week.
• Interest calculated daily on your total balance and paid monthly.
• Use it as your DIY Super account.

Hurry, Bonus rate available for a limited time only.

Click here to apply.

*Conditions apply.