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    
  1 month 3.25% p.a.
  2 months 3.75% p.a.
  3 months 4.00% p.a.
  4 months 4.00% p.a.
  5 months 4.05% p.a.
  6 months 4.15% p.a.
  9 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.