Gateway Credit Union

You may submit an application for assessment, but you will need to become a Member of Gateway Credit Union before a loan is funded.

A fixed interest rate home loan

• locks in the interest rate for the term that you choose and will then revert to the standard variable rate after the fixed term expires.
• provides you with the comfort of knowing how much your repayments will be regardless of what interest rates do
• is not as flexible as variable rate home loans e.g. fees may apply if you want to break your fixed rate period or discharge your loan early and you may not be able to access extra repayments you make.

A variable interest rate home loan

• is based on many factors and interest rates may fluctuate.
• provides flexibility with the benefit of not being locked in thereby allowing interest rate reductions to be applied.

A split loan

• can take advantage of both a fixed and variable interest rate. This gives you a greater certainty of repayments plus the added flexibility of a variable rate home loan.

Check out our 5 Steps to a Home Loan or 3 Steps to Car Loan or 3 Steps to a Personal Loan 

Apply online at www.firsthome.gov.au or apply in person at any Office of State Revenue.

Contact us online or call 1300 302 474.

You can borrow up to 80% of the value of your property or up to 95% of the value of your property with Lenders Mortgage Insurance.  To get an indication check out our calculators.

Check out our interest rates.

You need to have at least 5% of the value of the property.

With many lenders, the annual interest rate applicable to your home loan is just part of the cost. A comparison rate not only factors in the annual interest rate (including honeymoon rates) but also all ascertainable ongoing, up-front and other fees. The comparison rate gives you an idea of the costs for a particular loan so you can compare your home loan with others.

A valuation is a professional assessment of how much a property is worth.

Lenders Mortgage Insurance (LMI) protects the lender in the event of the borrower defaulting on their home loan. If the property is sold and the amount from the sale is not sufficient to repay the loan in full, the LMI insurer will make a payment to the lender to cover the shortfall. The borrower remains liable for any amount owing under the contract even if the LMI insurer has paid the shortfall to the lender.

Upon receipt of correctly completed original, signed offer and loan documentation.

Payments received by Gateway for repaid loans will be automatically credited to your Everyday Savings account. If you have a Direct Credit to your account from another institution you will need to contact them directly to cancel the authority.

In order for your loan repayments to be accurate you may need to take action.  Check out our information on interest rate cuts.

BPAY is available through Online Banking and CUE Call.

Call us on 1300 302 474.

The easiest ways to withdraw money is by using Online Banking, Direct Debit, CUE Call or requesting a cheque to be mailed.

• Gateway Credit Union Quick Debit: You can complete one of our Quick Debit forms and we will debit your account at any financial institution on your behalf.  A quick Debit can be established for once off transfers or regular ongoing deposits.
  
• Payroll Credit:  Gateway Credit Union accepts direct credit from any employer, for a regular payroll deduction to Gateway contact your pay supplier.  All you need to use is our BSB 802-816, your Account number and your Account Name.
  
• Gateway Credit Union Branch:  You can deposit cash and cheques at our branch in person or Mail cheques to our mailing address.
  
• International Money Transfer:  Transferring funds to us from a bank outside of Australia.  Use BSB 062-000 Account number 00050066, your membership number as the reference and your name.  Gateways IMT Swift Code is CTBAAU2S
  
• Commonwealth Bank Branch: You are able to deposit funds via any Commonwealth Bank Branch in Australia using an encoded deposit book provided by Gateway, to obtain a deposit book call us on 1300 302 474 or contact us online.
  
• Via all other financial institutions: Use our BSB 802-816, your Account number and your Account Name.

Funds should be available the next business day.  If destined for Commonwealth Bank accounts may be credited at various intervals during the day or the next business day if initiated after 5:00pm.

You will need to provide a written request with 7 days notice.  Gateway then may agree to repay part or all of your deposit before the term has ended.  If so, interest will be paid on the amount you withdraw at a reduced rate from the date of deposit to the day prior to withdrawal.  The applicable interest rate will be the rate at the time of lodgment less a penalty of 2.00% p.a.  For further information see the relevant Product Disclosure Statement.

CUE Call is available 24/7 by calling 1300 302 474.

Any CBA Keycard, Mastercard or Visa card may be linked to a Gateway Everyday Savings account. Call us on 1300 302 474 for assistance.

Whilst upgrading the look and feel of the internet banking site we have made the following changes:

• A log out tab is now available on the left hand side navigation menus on all pages of the site [5/6/08] 
  
• After logging out you now have the option to go to the Gateway website or to close Online Banking completely [5/6/08] 
  
• A home tab is now available with a welcome message which provides you with the last date and time you accessed online banking for additional security [5/6/08] 
  
• Under "Your Details" you can now amend your address, contact and employment details to ensure your information is always up to date [24/6/08]  To change details in this section you will be required to enter your Factor 2 Icons for additional security (if you have already entered your Factor 2 Icons during the same session, you will not be required to do so again) [18/7/08]
  
• Under “User Preferences” there are two preferences Pop Up Transactions and Email Receipts for your convenience [21/8/08]. 
  User preferences explained -
  • Pop Up Transactions - when viewing your “Balances” or “Accounts” if you hover over an account number the last ten transactions will pop up in a table. 
  • Email Receipts - you may opt to receive email receipts when you make one or all of the following transactions; internal/external transfers and BPAY payments for increased security.

To enable access to our Online Banking site, several security requirements may need to be configured through the web browser. A valid Member number and password are also required to access the Online Banking site.  Along with 128-bit encryption to protect your details, we also use the Factor 2 Personal Icons security system to protect funds being transferred out of your accounts.

Simply select Online Banking login just above the image on the home page of our website.  Enter your Member Number and password.  If you are accessing Online Banking for the first time you will be asked to create a new password.

Call us on 1300 302 474 or contact us online.

You are not able to transfer funds to other accounts directly from a Personal Line of Credit using Online Banking or CUE Call. However, you are able to transfer funds to your everyday savings account and then make the required payments. We apologise for any inconvenience this may cause.

In addition to the entry of a password to access Online Banking, certain requests will require the entry of a secondary (Factor 2) pass code.  These requests include transferring funds to external accounts, BPAY and updating your details.  The secondary pass code requires the correct entry of three icons that were chosen when initial access to the site was setup.
You should update both your login password and Factor 2 pass code regularly. To change your login password logging onto Online Banking and selecting “Your Details” then click on either “Change My Password” or “Change Factor 2 Icons”.

24/7 whenever you have access to the web at www.gatewaycu.com.au.

Click on Payment and Transfers. Select BPAY from the list on the left hand side.

On the homepage above the main picture you will find two green tabs.  Select the one on the far right “Online Banking Login” this will take you to our Online Banking.

There are several factors that may prevent you from accessing the Online Banking site, they include:
1. ‘Cookies’ are not enabled
Cookies must be enabled.  A ‘cookie’ must be saved on your computer during the first access to the site, therefore the browser’s security options must have cookies enabled. (For more details look in FAQ under Technical Support "What is a cookie?")
2. Bookmarked Online Banking page
If you have bookmarked the Online Banking site as a favourite you will not be able to access the site. You should delete the bookmark as well as your temporary internet files.
3. Browser may not support 128bit encryption
The best way to ensure that you are using 128bit encryption is to use the latest version of the web browser of your choice.
4. An old version of ‘Microsoft Java Virtual Machine’

As Java script is used in the banking application, the following settings must also be applied: Java Permission has to be 'High Safety' and the scripting of Java applets needs to be 'Enabled'. The latest version should be installed and is available from here.

Help for Apple Mac users
Gateway Credit Union’s Online Banking will work in the Apple Macintosh environment. However, security settings and specifically those relating to Java and cookies may impact transaction performance. In most cases this will only impact on external transactions including BPay and external transfers.

For a MAC user using Internet Explorer
Microsoft stopped supporting Internet Explorer for MAC in 2003, so we are unable to provide ongoing support however, we would recommend using either Safari (version 2 or later) or Firefox for MAC.

For a MAC user using Safari
If you are unable to perform transactions or see some menu options, this is caused by security settings on Safari blocking some functions in our site.
The correct settings are as follows:
   1.  From the Safari menu, select Preferences
   2.  In the top pane, select Security
   3.  Next to Web Content, make sure the Enable Java checkbox is selected
   4.  Next to Web Content, make sure the Enable Javascript checkbox is selected
   5.  Next to Accept Cookies, select either Always
   6.  Close the pop-up window

For a MAC user using Firefox
If you are unable to perform transactions or see some menu options, this is caused by security settings on Firefox blocking some functions in our site.
The correct settings are as follows:
   1.  From the Tools menu, select Options
   2.  In the left-hand pane, click Web Features
   3.  Make sure the Enable Javascript checkbox is selected
   4.  Click the Advanced button
   5.  Make sure the following checkboxes are selected, if shown: 
                         Move or resize existing windows 
                         Hide the status bar
                         Change the status bar text
                         Change images
   6.  Click OK, then click OK again
   7.  From the Tools menu, select Options In the left-hand pane, click Privacy Select Enable cookies
   8.  Click OK.

A password is required to assist in maintaining your Online Banking security and privacy.

Once access to our on-line banking site has been selected, a valid Member Number and password must be entered to gain access. The password is assigned by the Credit Union and given to you when you register. The password is ‘case sensitive’. It is provided in lower case and must be entered in the same manner. Either the ‘TAB’ key or the mouse is used to move between the Member number and password field. If the ‘ENTER’ key is pressed in the Member number field the screen will simply refresh.

The time that is displayed in Online Banking is Australian Central Standard Time (ACST), as it is hosted in South Australia.  We apologise for any inconvenience caused.

To register for Gateway e-statements you need to have session cookies enabled within your browser.  If they are not you will not be prompted to login again.

Yes, cash deposits can be made.  However withdrawals at the branch are only made by cheque.

This function is not available via CUE call, however our online banking facility does provide this function.

You may only establish one ‘nominated’ account for CUE Call withdrawals to an external bank account.

Gateway does not charge any account keeping, monthly service or application fees.  It is recommended that you read the relevant Product Disclosure Statement before going ahead with any of our deposit products and/or services.

You can obtain a password for CUE Call by contacting our Member Services on 1300 302 474.

There is no limit for transfers between related Gateway accounts. However, payments or transfers to third parties are limited to a maximum of $5,000 per day or $10,000 over any 3 day period. Requests for an increase in this limit may be submitted to our Member Services team.

EST stands for Eastern Standard Time and covers both Australian Eastern Standard Time (AEST) (GMT +10) and Australian Eastern Daylight Time (AEDT) (GMT+11).  Source: www.australia.gov.au/Time_Zones

47 087 650 093

238293

BSB is 802-816.

Monday to Friday 8:00am – 5:00pm (EST) by calling 1300 302 474.

Monday to Friday 8:30am – 4:30pm. (EST)

Anyone can become a Gateway Member by completing the appropriate Membership application form and certification process.

A firewall is a software program designed to stop unauthorised access (usually from hackers) to your computer and may also prevent your computer from accessing certain parts of the web.
Most firewalls come with a standard set of rules to allow access in and out of the computer. If you have installed a firewall, you may need to create a rule that allows the computer to communicate with the Credit Union’s Online Banking site.

The best way to keep your computer secure is to install a reputable anti-virus program and a personal firewall, which you update regularly.

Install the latest patches and fixes as soon as the manufacturer discovers any vulnerability. On occasion, the availability of these patches or fixes are mentioned in the media but in most cases, you need to access the manufacturer’s website and locate and download the patch or fix for the version of your operating system.

When the mail client is launched simply copy the address and then login to your email provider (e.g. Yahoo, Hotmail, Ozemail, gmail) and paste the address into the “To” field.

You will need to resize your display, this can be done by one of the following:
1. Change the settings of your display to 1024 x 768 pixels in the control panel option of your settings menu.
2. Change your view to fill the screen by pressing the ‘F11’ key. This key will also return you to your previous view.

We may use pop up windows to display important information. If you use software that blocks pop up windows, you may not receive this information.  Therefore, we recommend that when using our web site you disable any software that prevents pop up windows from displaying. Naturally, when you finish you may enable the software again.

Gateway Credit Union recommends that you use the latest available version of your favourite internet browser.  This however does not include Beta or Release Candidate XX versions of all browsers.  Whilst our web site should operate on all browser types, the screen appearance of our web site may vary from browser to browser.

The web site has been optimised for the following browsers (except Beta and Release Candidate XX versions) all with a resolution of 1024 x 768:

Microsoft Windows:

• Internet Explorer 6.0+, or higher.  Recommended browser is Internet Explorer 7.0+
  
• Firefox version 2 or higher

Macintosh:

• Safari 3+, which requires and is included in Mac OS X operating system
  Note: for users of Opera, please maximize the window to resolve known issues with this browser.
  

Cookies contain information about you and your preferences. Only the information that you provide, or the choices you make while visiting a website can be stored in a cookie. For example, the website cannot determine your e-mail address unless you choose to type it. Allowing a website to create a cookie does not give that or any other website access to the rest of your computer. Only the website that created the cookie can read it.

The default on most web browsers is set up to allow the creation of cookies. However, you can specify that you be prompted before a website puts a cookie on your hard disk so you can choose to allow or disallow the cookie. You can also prevent the web browser from accepting any cookies. To be able to use Online Banking, your computer must be configured to allow cookies.

In order to use Calculators in Internet Explorer Version 6, the following controls/settings need to be enabled/available;

• Download Unassigned Active X Controls
  
• Initialise ActiveX Controls not marked as safe located under Tools – Internet Option – Security – Custom Level
  
• Security level is set to Medium