FLEXIBLE HOME LOAN
The centrepiece of our Financial Freedom Solution is an attractive discounted variable rate home loan which incorporates a host of special features and benefits.

First, you have the flexibility of making extra or more frequent repayments to the loan to help you pay it off sooner at no extra charge. Plus, it comes with an inbuilt redraw facility that lets you draw back all or part of any money you pay in advance of normal repayments.

While the interest rate is variable, you can choose to negotiate a fixed rate for your loan, or take out a "split" loan with part of your loan fixed and part variable.

If you currently have a loan with another financial institution, ask us about refinancing and how much you could save with the Financial Freedom Solution.

HOME & CONTENTS INSURANCE
It's important to protect your assets with comprehensive insurance. That's why we have included competitively priced home and contents insurance as part of our Financial Freedom Solution. Members also receive a special discount.

WHOLE OF PAYROLL FACILITY
We arrange a convenient payroll facility for Financial Freedom borrowers so that your wage or salary is deposited directly into your loan each pay day to help minimise interest. Funds can be withdrawn as needed from the loan account for everyday living expenses or automatically apportioned among other accounts to meet your specific requirements. While your funds are in the loan account they reduce the loan balance and, consequently, the amount of interest charged.

VISA DEBIT CARD
An HSUCU VISA Debit Card is included for its versatility. Our VISA can be used to access funds and pay for goods or services in person or over the phone or Internet, to withdraw cash at ATMs or EFTPOS systems or even to obtain a cash advance from financial institutions displaying the VISA symbol. It is recognised world-wide.

If you use your VISA as a Debit Card, it accesses your savings. With our Freedom Solution you get a $5,000* overdraft which means you can also use your VISA as a Credit Card with a substantial limit.

FINANCIAL PLANNING ADVICE
HSUCU Financial Planning advisers can help you to identify your personal and financial goals and create ways to help you achieve them. They provide advice and deal in a wide range of financial products including deposit products, securities, managed investment programmes, government debentures, stocks and bonds and superannuation. The initial consultation is provided free of charge.

EVERYTHING ELSE YOU NEED
While our Financial Freedom Solution incorporates most of the financial elements you need in one handy financial package, we recognise that all of our members are individuals and have differing needs and requirements.

Whatever your personal situation or financial circumstance, HSUCU provides all of the financial products, services and facilities you are ever likely to need, both now and in the future. Whether you are looking for a competitive home loan and related products, an investment loan, Christmas Club-style savings account, a car-buying service, travel products or assistance with any other finance related matter, you'll find it at HSU Members Credit Union.

 
To find out more, call HSUCU Direct on 1300 304 932 or visit a Service Centre in person.