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.