Savings, Term Deposit and Loan Interest Rates
 Savings Accounts
Investment Terms Deposits
Edvest Savings Accounts
Edvest Investment Deposits
Consumer Loans
Home Loans
Interest Rates for savings and investments are subject to change without notice. Credit Union and Government charges apply.
| Savings Accounts (1) |
| Product |
Description |
Interest Rate |
| S1 – Easy Access Account |
$0 to $499
$500 to $20,000
$20,001 to $50,000
$50,001 or more |
0.00% p.a.
0.10% p.a.
0.20% p.a.
0.30% p.a. |
| S2 – Budget Manager Account |
Whole Balance |
0.25% p.a. |
S3 – Christmas Club Account
|
Whole Balance |
4.00% p.a. |
| S5 – Pension Maximiser (Deeming) |
Whole Balance |
3.75% p.a. |
S6 – Insurance Saver Account
|
$0 to $499
$500 to $20,000
$20,001 to $50,000
$50,001 or more |
0.00% p.a.
0.10% p.a.
0.20% p.a.
0.30% p.a. |
| S8– Online SuperSaver Account+ |
$0 to $499
$500 to $5,000
$5,001 or more |
0.00% p.a.
1.85% p.a.
4.80% p.a. |
| S10 – Savings Plus Account |
$0 to $499
$500 to $2,000
$2,001 to $10,000
$10,001 to $30,000
$30,001 or more
|
0.05% p.a.
1.80% p.a.
2.40% p.a.
3.40% p.a.
3.90% p.a. |
| S11 – Safeguard Account |
$0 to $499
$500 to $20,000
$20,001 to $50,000
$50,001 or more |
0.00% p.a.
0.10% p.a.
0.20% p.a.
0.30% p.a. |
S15 – Market Linked Account
|
Fluctuates in accordance with weekly money market trends. A minimum of $5,000 to be maintained
[Note: $0 to $4,999 at 0.50%] |
Call 131 728 to obtain current interest rate |
| S16 – First Home Saver Account |
$0 to $499 - Pre-tax 0.50% p.a. After 15% tax 0.43% p.a.
$500 or more - Pre-tax 5.25% p.a. After 15% tax 4.46% p.a.
|
| S23 – Bonus Saver Account |
$0 to $499
$500 to $10,000
$10,001 or more
Bonus Rate |
0.10% p.a.
2.00% p.a.
3.00% p.a.
2.50% p.a. |
*Bonus Rate is paid on top of standard rates if monthly criteria are met. For terms and conditions click here.
| Investment Deposits (1) |
| Interest Paid at Maturity |
| I1 – 3 months |
$1,000 to $9,999 |
5.00% p.a. |
| I5 – 3 months |
$10,000 or more |
5.20% p.a. |
| I25 – 6 months |
$10,000 or more |
5.40% p.a. |
I12 – 12 months
|
$10,000 or more
|
6.00% p.a. |
| Interest Paid Every Six Months |
| I29 – 24 months |
$10,000 or more |
6.30% p.a. |
| I31 – 36 months |
$10,000 or more |
6.60% p.a. |
| I32 – 48 months |
$10,000 or more |
6.60% p.a. |
| I33 – 60 months |
$10,000 or more |
7.00% p.a. |
| Interest Paid Every Month |
| I2 – 3 months |
$1,000 to $9,999 |
4.75% p.a. |
| I3 – 3 months |
$10,000 or more |
4.95% p.a. |
I10 – 6 months
|
$10,000 or more |
5.15% p.a. |
| I24 – 12 months |
$10,000 or more |
5.75% p.a. |
| I52 – 24 months |
$10,000 or more |
6.05% p.a. |
| I53 – 36 months |
$10,000 or more |
6.35% p.a. |
| I54 – 48 months |
$10,000 or more |
6.35% p.a. |
| I55 – 60 months |
$10,000 or more |
6.75% p.a. |
| Edvest Savings (1) (these rates only available to members of the Edvest Service) |
| S21 – Redifund Plus |
Plus bonus rate on market linked rate.
A minimum of $5,000 to be maintained at all times.
[Note: $0 to $4,999 at 0.50%] |
Call 131 728 to obtain current interest rate |
| Edvest Investment Deposits (1) (these rates only available to members of the Edvest Service) |
| Maturity Incentive (interest at maturity) |
I4 – 3 months
|
$10,000 or more |
5.35% p.a. |
| Regular Income Plus (interest paid fortnightly) |
| I45 – 6 months |
$5,000 or more |
5.05% p.a. |
| I46 – 12 months |
$5,000 or more |
5.65% p.a. |
| I47 – 18 months |
$5,000 or more |
5.80% p.a. |
I48 – 24 months
|
$5,000 or more |
6.05% p.a. |
| I49 – 36 months |
$5,000 or more |
6.50% p.a. |
| Deferred Interest Plus (interest at maturity) |
I51 – 3 months
|
$1,000 or more |
5.15% p.a. |
| I23 – 6 months |
$1,000 or more |
5.55% p.a. |
| I22 - 12 months |
$1,000 or more |
6.15% p.a. |
| Interest Paid Six Monthly |
| I58 - 24 months |
$10,000 or more |
6.55% p.a. |
Reduced rate for early redemption is 2.25% p.a.
Special Offer Term Deposit |
| |
| I57 - 4 months (interest paid at maturity) |
$20,000 or more |
5.60% p.a. |
| I60 - 2 months (interest paid at maturity) |
$20,000 or more |
5.15% p.a. |
| I61 - 7 months (interest paid at maturity) |
$20,000 or more |
6.00% p.a. |
Amounts over $200,000 are accepted subject to confirmation.
| Consumer Loans |
Product
|
Description |
Interest Rate |
S1 – Easy Access Overdraft(4)
|
Unsecured Overdraft on S1 Easy Access Account
|
13.17% p.a. |
| S14 - Visa Credit Card(4) |
Unsecured Credit Card |
11.89% p.a. |
L9 – Personal Loan (unregulated)(2)
|
Non-consumer loan
|
13.49% p.a. |
L9 – Personal Loan (regulated)(2)
|
Available for all worthwhile purposes
|
13.49% p.a. |
L9 – Driveaway Car Loan(2)
|
For new & used cars up to 5 years old
|
10.49% p.a. |
L9 – Greenrate Car Loan(8)
|
For new & used cars up to 3 years old with greenhouse rating 6.0 or higher |
9.69% p.a. |
| Home Loans |
Product
|
Interest Rate |
| L26 Premium Variable Home Loan(3) |
7.16% p.a. |
| L26-S26 Balance Offset Home Loan(3) |
7.16% p.a. |
| S28/29 Equity Maximiser Home Loan(4)+ |
7.22% p.a.
|
| L26 Bridging Loan(3) |
8.01% p.a. |
| L26 Interest Only Home Loan(3) |
7.16% p.a. |
| L26 – Fixed Rate Home Loan(5) |
3 years fixed @ 7.79% p.a. then at our standard variable rate, currently 7.16% p.a |
| L26 – Fixed Rate Home Loan(9) |
5 years fixed @ 8.19% p.a. then at our standard variable rate, currently 7.16% p.a |
| L10 - Retirement Lifestyle Loan(7) |
7.96% p.a. |
+ Products that do not contribute to Member Rewards.
|
