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Target Market Determinations

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From the 5 October 2021, Macquarie Credit Union is required to provide Target Market Determinations under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019.

What is a Target Market Determination?

A Target Market Determination is a document which describes who a product is appropriate for (target market). A product's TMD also outlines the product's distribution conditions and any review triggers for that particular financial product. 

Our Target Market Determinations are available below or by contacting our branch. 


Home Loans

Basic Home Loan Introductory Rate

1 Year Variable Rate Home Loan

Basic Home Loan Special

Fixed Rate Home Loan

Discounted Variable Rate Home Loan

Standard Variable Rate Home Loan

Power Home Loan Package

First Home Buyers Loan

Special Low Rate Home Loan

Basic Home Loan

Home Equity Loan

Construction Loan


Investment Loans

Investment Home Loan


Car Loans

Car loan crusher

Car loan for vehicles up to 2 years old

Car loan for vehicles up to 5 years old

Car loan for vehicles up to 10 years old

Lifestyle loan


Personal Loans


Unsecured Personal Loan

Debt Consolidation Loan

Student Loan

Student & Apprentice Loan



Card Access Account

Online Savings Account

Investment Account

Gold Retirement Account

Christmas Club Account

Term Deposit Account

Monthly Term Deposit

Salary Packaging Account

Special Purpose Account



Visa Debit Card

Visa 55 Credit Card





For more information please contact or call 1300 885 480 during business hours.