Interest rates

Keep informed on all the latest interest rates for savings, loans, and investments
as well as any fees and charges associated with our products.

Rates effective: 21 March 2024

Everyday Accounts  Interest rate  
Redisavings

0.01% p.a.

More info
Advantage 55

$0 - $9,999:  0.01% p.a.

$10,000 - $49,999:  1.50% p.a.

$50,000 - $249,999: 1.90% p.a.  

$250,000 or more:  2.50% p.a.

More info
Advantage 0.00% p.a. More info
Super Saver 5.00% p.a. More info
Teen Saver 3.40% p.a. More info
Community Support 0.01% p.a. More info
Business Saver 0.01% p.a. More info

 

Rates effective: 21 March 2024

Savings Accounts Interest rate  
Special Purpose More info
Cash Management

0.01% p.a. Deposits $0 - $49,999

2.00% p.a. Deposits $50,000 - $249,999

3.30% p.a. Deposits $250,000 or more

More info
Christmas Club 2.00% p.a. More info
Horizon Direct 3.25% p.a. More info

Reward Saver

3.75% p.a.

More info
Youth Reward Saver 5.00% p.a. More info
SMSF Saver 3.00% p.a.   More info

 

Rates effective: 22 May 2024

Term Deposit Accounts Interest rates
Interest paid on maturity or annually. $1,000+
1 month 1.25% p.a.  
2 months 1.50% p.a.  
3 months 3.90% p.a.  
4 months 3.70% p.a.  
6 months 4.30% p.a.  
9 months 4.00% p.a.  
1 year 4.60% p.a.  
2 years 3.90% p.a.  
3 years 3.80% p.a.  
More info

 

Rates effective: 22 May 2024

Home Sweet Home Loan LVR Interest rate p.a. Comparison rate p.a.
Principal & Interest <=70% 5.99% p.a. 6.61% p.a.
Principal & Interest >70% 6.14% p.a. 6.75% p.a.
Interest Only <=70% 6.19% p.a. 6.80% p.a.
Interest Only >70% 6.34% p.a.   6.95% p.a.

 

Fixed Home Loan - Principal & Interest LVR Interest rate p.a. Comparison rate p.a.
1 Year <=70% 5.99% p.a.   6.52% p.a.
2 Years <=70% 5.79% p.a. 6.57% p.a.
3 Years <=70% 5.69% p.a. 6.48% p.a.
5 Years <=70% 5.69% p.a. 6.36% p.a.
1 Year >70% 6.14% p.a. 6.67% p.a.
2 Years >70% 5.94% p.a. 6.71% p.a.
3 Years >70% 5.84% p.a. 6.62% p.a.
5 Years >70% 5.84% p.a. 6.50% p.a.

Rates effective: 22 May 2024

Home Sweet Home Loan Residential Investment LVR Interest rate p.a. Comparison rate p.a.
Principal & Interest <=70% 6.24% p.a. 6.85% p.a.
Principal & Interest >70% 6.39% p.a. 7.00% p.a.
Interest Only <=70% 6.44% p.a. 7.05% p.a.
Interest Only >70% 6.59% p.a.    7.20% p.a.

 

Fixed Residential Investment Loan - Principal & Interest LVR Interest rate p.a. Comparison rate p.a.
1 Year <=70% 6.24% p.a. 6.78% p.a.
2 Years <=70% 6.04% p.a. 6.81% p.a.
3 Years <=70% 5.94% p.a. 6.72% p.a.
5 Years <=70% 5.94% p.a. 6.60% p.a.
1 Year >70% 6.39% p.a. 6.93% p.a.
2 Years >70% 6.19% p.a. 6.96% p.a.
3 Years >70% 6.09% p.a. 6.87% p.a.
5 Years >70% 6.09% p.a. 6.75% p.a.

 

Fixed Residential Investment Loan - Interest Only LVR Interest rate p.a. Comparison rate p.a.
1 Year <=70% 6.44% p.a. 6.98% p.a.
2 Years <=70% 6.24% p.a. 7.01% p.a.
3 Years <=70% 6.14% p.a.   6.92% p.a.
5 Years <=70% 6.14% p.a. 6.80% p.a.
1 Year >70% 6.59% p.a. 7.13% p.a.
2 Years >70% 6.39% p.a. 7.16% p.a.
3 Years >70% 6.29% p.a. 7.07% p.a.
5 Years >70% 6.29% p.a. 6.92% p.a.

Rates effective: 27 March 2024

Personal/Car Loans Interest Rate Comparison Rate  
Budget Personal Loan 9.99% p.a. 10.13% p.a. More info
Loans Secured by Deposit Security Agreement of Savings 9.19% p.a. 9.40% p.a. More info
Loans Secured by Mortgage 9.29% p.a. 11.24% p.a. More info
New Car Loan (Fixed Rate) 6.39% p.a. 6.61% p.a. More info
Used Car Loan (Variable Rate) 7.99% p.a. 8.20% p.a. More info

Rates effective: 27 March 2024

Overdrafts Interest Rate Comparison Rate  
Budget Overdraft 11.00% p.a. N/A More info

Rates effective: 27 March 2024

Visa Credit Card Interest Rate Comparison Rate  
SPECIAL for 5 months on balance transfers and purchases 4.99% p.a. N/A More info
Credit Card 12.95% p.a. N/A More info

Why choose us?

Important Information:

Footnotes: