Savings, Term Deposit and Loan Interest Rates
 Savings Accounts
Investment Terms Deposits
Edvest Savings Accounts
Edvest Investment Deposits
Consumer Loans
Home Loans
| Savings
Accounts (1) |
| Product |
Description |
Interest Rate |
| S1 – Easy Access Account |
$0 to $499
$500 to $20,000
$20,001 to $50,000
$50,001 or more |
0.00% p.a.
0.05% p.a.
0.10% p.a.
0.20% p.a. |
| S2 – Budget Manager Account |
Whole Balance |
0.25% p.a. |
S3 – Christmas Club Account
|
Whole Balance |
2.25% p.a. |
| S5 – Pension Maximiser (Deeming)
|
Whole Balance
|
2.75% p.a. |
S6 – Insurance Saver Account
|
$0 to $499
$500 to $20,000
$20,001 to $50,000
$50,001 or more |
0.00% p.a.
0.05% p.a.
0.10% p.a.
0.20% p.a. |
| S8– Online SuperSaver Account+ |
$0 to $499
$500 to $5,000
$5,001 or more |
0.00% p.a.
1.00% p.a.
3.00% p.a. |
| S10 – Savings Plus Account |
$0 to $499
$500 to $2,000
$2,001 to $10,000
$10,001 to $30,000
$30,001 or more
|
0.05% p.a.
1.00% p.a.
1.50% p.a.
2.00% p.a.
2.50% p.a. |
| S11 – Safeguard Account |
$0 to $499
$500 to $20,000
$20,001 to $50,000
$50,001 or more |
0.00% p.a.
0.05% p.a.
0.10% p.a.
0.20% p.a. |
S15 – Market Linked Account
|
Fluctuates in accordance with weekly money market trends. A minimum of $5,000 to be maintained
[Note: $0 to $4,999 at 0.50%] |
Call 131 PCU (131 728) to obtain current interest rate |
| S16 – First Home Saver Account
|
$0 to $499 - Pre-tax 0.50% p.a. After 15% tax 0.43% p.a.
$500 or more - Pre-tax 3.00% p.a. After 15% tax 2.55% p.a.
|
| Investment
Deposits (1) |
| Interest Paid at Maturity |
| I1 – 3 months |
$1,000 to $9,999 |
3.05% p.a. |
| I5 – 3 months |
$10,000 or more |
3.25% p.a. |
| I25 – 6 months |
$10,000 or more |
4.00% p.a. |
I12 – 12 months
|
$10,000 or more
|
3.85% p.a. |
| Interest Paid Every Six
Months |
| I29 – 24 months |
$10,000 or more |
4.75% p.a. |
| I31 – 36 months |
$10,000 or more |
4.75% p.a. |
| I32 – 48 months |
$10,000 or more |
5.00% p.a. |
| I33 – 60 months |
$10,000 or more |
6.10% p.a. |
| Interest
Paid Every Month |
| I2 – 3 months |
$1,000 to $9,999 |
2.80% p.a. |
| I3 – 3 months |
$10,000 or more |
3.00% p.a. |
I10 – 6 months
|
$10,000 or more |
3.75% p.a. |
| I24 – 12 months |
$10,000 or more |
3.60% p.a. |
| I52 – 24 months |
$10,000 or more |
4.50% p.a. |
| I53 – 36 months |
$10,000 or more |
4.50% p.a. |
| I54 – 48 months |
$10,000 or more |
4.75% p.a. |
| I55 – 60 months |
$10,000 or more |
5.85% p.a. |
| Edvest Savings (1) (these rates only available to members of
the Edvest Service) |
| S21 – Redifund
Plus |
Plus bonus rate on market linked rate.
A minimum of $5,000 to be maintained at all times.
[Note: $0 to $4,999 at 0.50%]
|
Call 131 PCU (131 728) to obtain
current interest rate
|
| Edvest Investment Deposits (1) (these rates only available to members of
the Edvest Service) |
| Maturity
Incentive (interest at maturity) |
I4 – 3 months
|
$10,000 or more |
3.40% p.a. |
| Regular
Income Plus (interest paid fortnightly) |
| I45 – 6 months |
$5,000 or more |
3.90% p.a. |
| I46 – 12 months |
$5,000 or more |
3.75% p.a. |
| I47 – 18 months |
$5,000 or more |
3.75% p.a. |
I48 – 24 months
|
$5,000 or more |
4.65% p.a. |
| I49 – 36 months |
$5,000 or more |
4.65% p.a. |
| Deferred
Interest Plus (interest at maturity) |
I51 – 3 months
|
$1,000 or more |
3.20% p.a. |
| I23 – 6 months |
$1,000 or more |
4.15% p.a. |
| I22 - 12 months |
$1,000 or more |
4.00% p.a. |
| Interest Paid Six Monthly |
| I58 - 24 months |
$10,000 or more |
4.90% p.a. |
Penalty rate for early redemption is 2.25% p.a.
Special Offer Term Deposit |
| |
| I60 - 2 months (interest paid at maturity) |
$20,000 or more |
3.60% p.a. |
| I36 - 3 years (interest paid every 6 months) |
$20,000 or more |
4.75% p.a. |
Amounts over $200,000 are accepted subject to confirmation.
To download a Comparison Rate Schedule,
click
here
| Consumer Loans |
Product
|
Description |
Interest Rate |
Comparison Rate* |
S1 – Easy Access
Overdraft(4)
|
Unsecured Overdraft
on S1 Easy Access Account
|
12.25% p.a. |
N/A |
| S14 - Visa Credit Card(4) |
Unsecured Credit Card |
10.96% p.a. |
N/A |
L9 – Personal Loan (unregulated)(2)
|
Non-consumer loan
|
12.96% p.a. |
13.53% |
L9 – Personal Loan (regulated)(2)
|
Available for all worthwhile purposes
|
12.96% p.a. |
13.53% |
L9 – Driveaway Car Loan(2)
|
For new & used cars up to 5 years old
|
10.49% p.a. |
11.05% |
L9 – Greenrate Car Loan(8)
|
For new & used cars up to 3 years old with greenhouse rating 6.0 or higher
|
9.69% p.a. |
9.91% p.a.*** |
| Home Loans |
Product
|
Interest Rate |
Comparison Rate** |
| L26 Premium Variable
Home Loan(3) |
5.75% p.a. |
5.84% |
| L26-S26 Balance Offset Home Loan(3) |
5.75% p.a. |
5.84% |
| S28/29 Equity Maximiser Home Loan(4)+ |
5.85% p.a.
|
N/A
|
| L26 Bridging Loan(3) |
6.60% p.a.
|
6.72% |
| L26 Interest Only Home Loan(3) |
5.75% p.a.
|
5.84% |
| L26 – Fixed Rate Home Loan(5) |
3 years fixed @ 6.30% p.a. then at our standard variable rate, currently 5.75% p.a |
5.99% |
| L10 - Retirement Lifestyle Loan(7) |
6.55% p.a. |
6.72% p.a. |
| L25 - Police Value Home Loan(6)+ |
5.60% p.a. |
5.65% p.a. |
| L25 - Police Value Fixed Rate Home Loan(9)+ |
3 years fixed @ 6.30% p.a. then reverts to Police Value variable rate, currently 5.60% p.a |
5.85% p.a. |
S1 – Mortgage Reward Overdraft(4)
(Is not available to new borrowers) |
6.75% p.a.
|
N/A
N/A
|
* Based on $10,000 over 3 years (secured
or unsecured)
** Based on $150,000 over 25 years
*** Based on $20,000 over 4 years
+ Products that do not contribute to Member Rewards.
WARNING: This comparison
rate applies only to the example or examples given. Different
amounts and terms will result in different comparison
rates. Costs such as redraw fees or early repayment fees,
and cost savings such as fee waivers, are not included
in the comparison rate but may influence the cost of the
loan.
Comparison Rates Schedules are available
at our Branches and on our website.
|
