Interest rates

Personal everyday banking accounts

Access Freedom Account	Rate
All balances	Nil

Access Account	Rate
All balances	Nil

Cheque Account	Rate
All balances	Nil

Student Saver Account	Rates
$0 - $250	0.00% p.a.
$251 - $500	0.50% p.a.
$501 - $2,500	1.00% p.a.
over $2,500	1.50% 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.

Term Deposit Account		Rates
Term deposits from $500 - $5,000
	1 month	2.50% p.a.
	2 months	2.50% p.a
	3 months	2.50% p.a.
	4 months	3.00% p.a.
	5 months	2.75% p.a.
	6 months	2.75% p.a.
	9 months	3.00% p.a.
	12 months	2.75% p.a.
Term deposits from $5,001 - $10,000
	1 month	3.00% p.a.
	2 months	3.00% p.a.
	3 months	3.50% p.a.
	4 months	3.50% p.a.
	5 months	3.50% p.a.
	6 months	3.50% p.a.
	9 months	3.50% p.a.
	12 months	3.50% p.a.
Term deposits from $10,001 - $50,000
	1 month	3.15% p.a.
	2 months	3.65% p.a.
	3 months	4.00% p.a.
	4 months	4.00% p.a.
	5 months	3.95% p.a.
	6 months	3.90% p.a.
	9 months	3.90% p.a.
	12 months	4.10% p.a.
Term deposits from $50,001 - $100,000
	01 month	3.25% p.a.
	02 months	3.75% p.a.
	03 months	4.00% p.a.
	04 months	4.00% p.a.
	05 months	4.05% p.a.
	06 months	4.15% p.a.
	09 months	4.15% p.a.
	12 months	4.25% p.a.

Lending accounts

Account	Rates
Personal loan/Overdraft – fully secured	16.80% p.a.
Personal loan/Overdraft – partly secured	18.50% p.a.
Personal loan/Overdraft – unsecured	19.75% p.a.
Home loan rate	11.00% p.a.
Investment rate	12.00% p.a.
Base commercial lending rate**	10.80% 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 1 March 2009 and are subject to change.