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Interest rates

The following information is current from 1 December 2025 and is subject to change.

Pacific Savings account

Base interest rate	Interest rate*
$0 – $99.99	0.00% p.a.
$100.00+	0.10% p.a.

*Interest is earned when you have an end of day account balance of $100 or more. The account balance used on non-business days is the account balance for the previous business day.

Priority Cash Management account

Amount	Interest rate*
$0 - $9,999.99	0.10% p.a.
$10,000 - $24,999.99	0.10% p.a.
$25,000 - $49 ,999.99	0.10% p.a.
$50,000+	0.10% p.a.

*Interest is calculated based on your end of day account balance. The account balance used on non-business days is the account balance for the previous business day.

Note: This product is no longer available to new customers.

Term deposits

Term	Interest rate ($2,000 - $250,000)
1 month (30 - 89 days)*	0.10% p.a.
3 months (90 - 179 days)	0.60% p.a.
6 months (180 - 364 days)	1.00% p.a.
9 months (270 - 364 days)*	1.00% p.a.
12 months (365 - 729 days)	1.15% p.a.
24 months (730 days)*	1.15% p.a.

Term deposit interest rates are available for Retail Banking customers. For interest rates on term deposits outside of these terms and amounts, please contact us.

All interest rates are subject to change. ANZ terms and conditions and fees apply. For further information, please talk to one of our branch staff.

*Note: This product is no longer available for new customers.

Home loans

ANZ lending criteria, terms, conditions and fees apply. You should seek confirmation of interest rates from ANZ before taking out any loan.

Type	Interest rate*
Variable rate	9.50% p.a.

*An additional margin may be applied after a credit risk assessment has been completed on a loan application.

Personal loans

ANZ lending criteria, terms, conditions and fees apply. You should seek confirmation of interest rates from ANZ before taking out any loan.

Type	Interest rate*
Secured	10.75% p.a.
Unsecured	11.75% p.a.

*An additional margin may be applied after a credit risk assessment has been completed on a loan application.

Important information

Ask at any ANZ branch for our Fees and Charges for all Kiribati products and services.

All interest rates are on a per annum basis. All dollar amounts are in Australian Dollars (AUD).

The provision of products and services is subject to the laws and regulations of Kiribati and ANZ's banking licence in Kiribati.