Interest rates

Personal everyday banking accounts

Access Freedom Account Rate
All balances Nil


 

Access Account Rate
All balances Nil

 

 

Student Saver Account Rate
All Balances 5.00% p.a.


 

Senior Saver Account Rates (tiered)
$0 - $250 0.00% p.a.
$251 - $500 1.50% p.a.
$501 - $2,500 2.50% p.a.
over $2,500 3.00% p.a.


Personal savings accounts

Progressive Saver Account Rates
$0 - $250 1.00% p.a.
$251 - $500 1.50% p.a.
$501 - $2,500 2.50% p.a.
over $2,500 3.75% p.a.
Fast Saver Account Rates
Base Interest 0.50% p.a.
Bonus Interest 3.75% p.a.

 

 

Term Deposit Account   Rates
Term deposits from $500 - $50,000 1 month 3.20% p.a.
  2 months 3.35% p.a.
  3 months 3.75% p.a.
  4 months 4.00% p.a.
  5 months 4.00% p.a.
  6 months 4.10% p.a.
  9 months 4.20% p.a.
  12 months 4.30% p.a.
Term deposits from $50,001 - $100,000**    
  1 month 3.50% p.a.
  2 months 3.75% p.a.
  3 months 4.00% p.a.
  4 months 4.00% p.a.
  5 months 4.20% p.a.
  6 months 4.20% p.a.
  9 months 4.25% p.a.
  12 months 4.50% p.a.

Lending interest rates

Account Rates
Base commercial lending rate** 9.95% p.a.
Home Loan  Rate 9.70% p.a.
Investment Rate 10.70% p.a.
Personal Loans/Overdrafts – Fully Secured 15.80% p.a.
Personal Loans/Overdrafts – Partially Secured 17.50% p.a.
Personal Loans/Overdrafts – Unsecured 18.75% p.a.

*   Risk Margins Apply
** Term Deposits over $100,000 for over 12 months are subject to Management approval.
Term Deposits of over $50,000 attract Wholesale Market Rates, which are available upon request.

Please note the rates shown are current as of 01 February 2011 and are subject to change.