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.
0.10% p.a.
0.20% p.a.
0.30% p.a. |
| S2 – Budget Manager Account |
Whole Balance |
0.25% p.a. |
S3 – Christmas Club Account
|
Whole Balance |
4.00% p.a. |
| S5 – Pension Maximiser (Deeming)
|
Whole Balance
|
3.75% 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.
0.10% p.a.
0.20% p.a.
0.30% p.a. |
| S8– Online SuperSaver Account+ |
$0 to $499
$500 to $5,000
$5,001 or more |
0.00% p.a.
1.85% p.a.
4.80% 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.
1.80% p.a.
2.40% p.a.
3.40% p.a.
3.90% 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.
0.10% p.a.
0.20% p.a.
0.30% 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 5.25% p.a. After 15% tax 4.46% p.a.
|
| S23 – Bonus Saver Account |
$0 to $499
$500 to $10,000
$10,001 or more
Bonus Rate |
0.10% p.a.
2.00% p.a.
3.00% p.a.
2.50% p.a. |
*Bonus Rate is paid on top of standard rates if monthly criteria are met. For terms and conditions click here.
| Investment
Deposits (1) |
| Interest Paid at Maturity |
| I1 – 3 months |
$1,000 to $9,999 |
5.00% p.a. |
| I5 – 3 months |
$10,000 or more |
5.20% p.a. |
| I25 – 6 months |
$10,000 or more |
5.40% p.a. |
I12 – 12 months
|
$10,000 or more
|
6.00% p.a. |
| Interest Paid Every Six Months |
| I29 – 24 months |
$10,000 or more |
6.30% p.a. |
| I31 – 36 months |
$10,000 or more |
6.60% p.a. |
| I32 – 48 months |
$10,000 or more |
6.60% p.a. |
| I33 – 60 months |
$10,000 or more |
7.00% p.a. |
| Interest
Paid Every Month |
| I2 – 3 months |
$1,000 to $9,999 |
4.75% p.a. |
| I3 – 3 months |
$10,000 or more |
4.95% p.a. |
I10 – 6 months
|
$10,000 or more |
5.15% p.a. |
| I24 – 12 months |
$10,000 or more |
5.75% p.a. |
| I52 – 24 months |
$10,000 or more |
6.05% p.a. |
| I53 – 36 months |
$10,000 or more |
6.35% p.a. |
| I54 – 48 months |
$10,000 or more |
6.35% p.a. |
| I55 – 60 months |
$10,000 or more |
6.75% 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 |
5.35% p.a. |
| Regular
Income Plus (interest paid fortnightly) |
| I45 – 6 months |
$5,000 or more |
5.05% p.a. |
| I46 – 12 months |
$5,000 or more |
5.65% p.a. |
| I47 – 18 months |
$5,000 or more |
5.80% p.a. |
I48 – 24 months
|
$5,000 or more |
6.05% p.a. |
| I49 – 36 months |
$5,000 or more |
6.50% p.a. |
| Deferred
Interest Plus (interest at maturity) |
I51 – 3 months
|
$1,000 or more |
5.15% p.a. |
| I23 – 6 months |
$1,000 or more |
5.55% p.a. |
| I22 - 12 months |
$1,000 or more |
6.15% p.a. |
| Interest Paid Six Monthly |
| I58 - 24 months |
$10,000 or more |
6.55% p.a. |
Reduced rate for early redemption is 2.25% p.a.
Special Offer Term Deposit |
| I57 - 4 months (interest paid at maturity) |
$20,000 or more |
5.60% p.a. |
| I60 - 2 months (interest paid at maturity) |
$20,000 or more |
5.15% p.a. |
| I61 - 7 months (interest paid at maturity) |
$20,000 or more |
6.20% p.a. |
Amounts over $200,000 are accepted subject to confirmation.
| Consumer Loans |
| Product
|
Description |
Interest Rate |
S1 – Easy Access
Overdraft(4)
|
Unsecured Overdraft
on S1 Easy Access Account
|
13.17% p.a. |
| S14 - Visa Credit Card(4) |
Unsecured Credit Card |
11.89% p.a. |
L9 – Personal Loan (unregulated)(2)
|
Non-consumer loan
|
13.49% p.a. |
L9 – Personal Loan (regulated)(2)
|
Available for all worthwhile purposes
|
13.49% p.a. |
L9 – Driveaway Car Loan(2)
|
For new & used cars up to 5 years old
|
10.49% p.a. |
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. |
| Home Loans |
Product
|
Interest Rate |
| L26 Premium Variable
Home Loan(3) |
7.16% p.a. |
| L26-S26 Balance Offset Home Loan(3) |
7.16% p.a. |
| S28/29 Equity Maximiser Home Loan(4)+ |
7.22% p.a.
|
| L26 Bridging Loan(3) |
8.01% p.a. |
| L26 Interest Only Home Loan(3) |
7.16% p.a. |
| L26 – Fixed Rate Home Loan(5) |
3 years fixed @ 7.79% p.a. then at our standard variable rate, currently 7.16% p.a. |
| L26 – Fixed Rate Home Loan(9) |
5 years fixed @ 8.19% p.a. then at our standard variable rate, currently 7.16% p.a. |
| L10 - Retirement Lifestyle Loan(7) |
7.96% p.a. |
| L25 - Police Value Home Loan(6)+ |
7.01% p.a. |
| L25 - Police Value Fixed Rate Home Loan(6)+ |
3 years fixed @ 7.79% p.a. then reverts to Police Value variable rate, currently 7.01% p.a |
| L25 - Police Value Fixed Rate Home Loan(10)+ |
5 years fixed @ 8.19% p.a. then reverts to Police Value variable rate, currently 7.01% p.a |
S1 – Mortgage Reward Overdraft(4)
(Is not available to new borrowers) |
8.16% p.a.
|
L15 - OneChoice Home Loan(12)
(Is not available to new borrowers) |
7.36% p.a. |
+ Products that do not contribute to Member Rewards.
(1) Applicable as at 01/07/10 for (S)
and 02/08/10 for (I) type accounts. Full terms and conditions
available on application. Fees and charges apply. Interest
rates for (S) and (I) type accounts are subject to change
without notice.
(2) Rates applicable as at 10/12/09 for new business. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(3) Rates applicable as at 10/05/10 for new business. Applicable as at 17/05/10 for existing Members. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(4) New rate applicable from 01/06/10. Lending criteria apply.
Full terms and conditions are available on application.
Fees and charges apply.
(5) Rates applicable as at 10/06/100 for new business. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(6) Rates applicable as at 10/05/10 for new business. Applicable as at 17/05/10 for existing Members. Police Value Home Loan only available to current serving Police who are members of the Police Association and AFPA. Fees and charges and lending criteria apply. Full terms and conditions are available on application.
(7) Rates applicable as at 10/05/10 for new business. Applicable to existing business from 17/05/10. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(8) Applicable as at 17/07/08. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply.
(9) Rates applicable as at 10/06/10 for new business. Lending criteria apply. Full terms and conditions are available on application. Fees and charges apply. Available for principal and interest loans only. No interest only loans.
(10) Rates applicable as at 10/06/10 for new business. Police Value Home Loan only available to current serving Police who are members of the Police Association and AFPA. Fees and charges and lending criteria apply. Full terms and conditions are available on application. Available for principal and interest loans only. No interest only loans.
(11) Rates applicable as at 10/06/10 for new business. Police Value Home Loan only available to current serving Police who are members of the Police Association and AFPA. Fees and charges and lending criteria apply. Full terms and conditions are available on application.
(12) Applicable as at 17/05/10 for existing Members.
|
