Great savings rates

Whether you're looking for a personal loan or are interested in a loan for a new car or a new house, Hume has incredible loan rates that are right for you. Whatever your need in your life, Hume can help.

At Hume, we're all about understanding and supporting the needs of our customers. So when you swap to Hume, you'll have access to a range of personal loans that are designed specifically to suit our customers’ needs, with low loan rates that are surprisingly competitive and a range of benefits you simply won't need to go anywhere else. Hume personal loans are available from $2,000 for a variety of purposes.

Whether you're eyeing up a car, a motorbike or a boat, if you need a loan to consolidate your debts, or you're looking to travel or have that special day coming up - whatever your need, Hume will be happy to help with a personal loan that's right for you^.

Hume customers can enjoy no monthly fees, fixed interest rates, and flexible repayments that can help pay off a loan faster, and flexible loan terms.

We also offer credit cards, including Hume’s Visa Value credit card with a low interest rate and no annual fee, and is widely recognised as one of the best value non-bank credit cards on the market.

^{^Terms, conditions, fees, charges and normal lending criteria apply. Rates available as at 17/03/10 and subject to change without notice.}

Low loan rates

Whether you're looking for a personal loan or are interested in a loan for a new car or a new house, Hume has incredible loan rates that are right for you. Whatever your need in your life, Hume can help.

At Hume, we're all about understanding and supporting the needs of our customers. So when you swap to Hume, you'll have access to a range of personal loans that are designed specifically to suit our customers’ needs, with low loan rates that are surprisingly competitive and a range of benefits you simply won't need to go anywhere else. Hume personal loans are available from $2,000 for a variety of purposes.

Whether you're eyeing up a car, a motorbike or a boat, if you need a loan to consolidate your debts, or you're looking to travel or have that special day coming up - whatever your need, Hume will be happy to help with a personal loan that's right for you.

Hume customers can enjoy no monthly fees, fixed interest rates, and flexible repayments that can help pay off a loan faster, and flexible loan terms.

We also offer credit cards, including Hume’s Visa Value credit card with a low interest rate and no annual fee, and is widely recognised as one of the best value non-bank credit cards on the market.

No monthly fees

You'll find no monthly account keeping fees on any of Hume’s savings or home loan accounts. Rest easy with your banking, knowing we won’t charge you unnecessary fees on your accounts.

Because Hume is a mutual organisation, its customers are its shareholders. Which means that we're here to make life easier for our over 54,000 customers, and help them meet their goals by minimising our fees.

You can also enjoy Australia wide ATM access to over 2,900 Westpac Group , St.George, Bank of Melbourne and Bank SA ATMs free of direct charge*. This means you can access your money around Australia, while still banking with a local organisation.

Yet another reason why swapping to Hume is one of the more rewarding things you'll ever do.

Fees and charges apply - see our fees and charges brochure available at any branch or download it here. Information correct as at 01/06/10.

Westpac Group ATMs include Westpac, St.George and Bank SA branded ATMs excluding ATMs in BP Service Stations.

1. Open a new account

ID Requirements

For better banking with Hume

To become a customer at Hume, simply visit any one of Hume’s 19 branches. Just make sure you bring along the right ID.

Here’s what you’ll need^*:
For individuals, a minimum of the below identification documents (in general):

• An Australian driver's licence which contains your current residential address
  or
• 1 x Primary Document and 1 x Secondary Document

Primary Documents

(Must contain your name and date of birth)

• Passport (current or expired less than 12 months)
• Licence or Permit issued under state or territory law (eg: Driver's Licence, Shooter's Licence)
• National Identity Card (eg: Proof of Age Card)
• International Travel Document
• Birth Certificate
• Citizenship Certificate
• Reference from School - Under 18 years only (must contain name and date of birth)

Secondary Documents

(Must contain your name and current residential address)

• Notice from Rating Authority less than 3 months old (eg: Land Rates Notice)
• Utility Bill less than 3 months old (eg: Telephone, Electricity or Gas bill)
• Notice issued by the Australian Taxation Office less than 12 months old
• Centrelink Pension Concession Card that confirms entitlement to receipt of benefits

If you are under 18

If you are under 18 years of age and you don’t have any of the ID documents listed above,you will need to bring in one of the following:

• A letter from your School (From the Principal, Chief Executive or Enrolment Clerk, on appropriate letterhead, stating that you attend the school, your name, your date of birth and your address)
• Birth Certificate
• Passport

2. We can help you switch

We can help you with a smooth transition by changing your regular payments from your old account to your new one.

To help set up your new account we will:

• Help you get a list of all your regular direct debits and credits from your old bank
• Switch all your automatic regular direct debit and credit arrangements for you
• Help you with any direct debit arrangements you need to cancel

It couldn’t be easier!

If you would prefer to do it yourself, refer to Switching Made Easy guide. This will guide you through the process, getting a list of all your regular payments from your old bank, through to contacting each of the organisations that credit and debit your old account, to switching these arrangements to your new account. Remember, you don’t have to do it yourself – contact Hume now and we can help you make the switch.

3. Start Banking

That’s it you can start banking at Hume.

Here’s what you can expect:

• No monthly account keeping fees
• 24/7 access to your money from anywhere in the world through Hume’s internet and mobile services; iBank and mBank
• 19 branches throughout the region, of which 8 open on Saturdays
• Unlimited, free access to 43 Hume ATMs from Wangaratta to Wagga Wagga and everywhere in between
• Access to your money nationally through any Westpac, St.George, BankSA or Bank of Melbourne ATMs*
• A 100% local organisation that employs locally, makes its decisions locally, and is committed to the development of our local community through numerous initiatives.

As a mutual organisation, Hume’s customers are its shareholders. The benefits of our success are delivered straight back to you.

So why not join us?

Want to know more? Drop into a Hume branch, call 1300 00 Hume, or email switching@humebuild.com.au today.

Find your local branch and switch today!

*Excluding ATMs where a notice of a direct charge is advised before undertaking the transaction, such as St.George ATMs in BP Service Stations