Personal banking interest rates
Interest paid at maturity
| Days | Interest rate |
| 21 - 45 days | 1.00% p.a. |
| 46 - 75 days | 1.00% p.a. |
| 76 - 105 days | 3.95% p.a. |
| 106 - 135 days | 3.95% p.a. |
| 136 - 165 days | 3.95% p.a. |
| 166 - 195 days | 4.35% p.a. |
| 196 - 225 days | 3.80% p.a. |
| 226 - 255 days | 3.80% p.a. |
| 256 - 285 days | 3.80% p.a. |
| 286 - 315 days | 3.80% p.a. |
| 316 - 345 days | 3.80% p.a. |
| 346 - 385 days | 4.00% p.a. |
*Deposits up to $250,000 per customer are guaranteed under the Australian Government's Financial Claims Scheme.
Interest rate where Term Deposit funds are withdrawn prior to the maturity date is 0.01% p.a. Term Deposit rates are fixed and apply to the whole balance of the account. For further information regarding interest and the products generally, please view the applicable Terms and Conditions.
You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
Interest paid periodically
| Monthly | Interest rate |
|---|---|
| 76 - 105 days | 3.85% p.a. |
| 106 - 135 days | 3.85% p.a. |
| 136 - 165 days | 3.85% p.a. |
| 166 - 195 days | 4.25% p.a. |
| 196 - 225 days | 3.70% p.a. |
| 226 - 255 days | 3.70% p.a. |
| 256 - 285 days | 3.70% p.a. |
| 286 - 315 days | 3.70% p.a. |
| 316 - 345 days | 3.70% p.a. |
| 346 - 385 days | 3.90% p.a. |
| 2 years | 3.40% p.a. |
| 3 years | 3.90% p.a. |
| 4 years | 3.40% p.a. |
| 5 years | 3.40% p.a. |
| Quarterly | Interest rate |
|---|---|
| 1 year | 3.90% p.a. |
| 2 years | 3.40% p.a. |
| 3 years | 3.90% p.a. |
| 4 years | 3.40% p.a. |
| 5 years | 3.40% p.a. |
| Half Yearly | Interest rate |
|---|---|
| 1 year | 3.90% p.a. |
| 2 years | 3.40% p.a. |
| 3 years | 3.90% p.a. |
| 4 years | 3.40% p.a. |
| 5 years | 3.40% p.a. |
| Annually | Interest rate |
|---|---|
| 2 years | 3.50% p.a. |
| 3 years | 4.00% p.a. |
| 4 years | 3.50% p.a. |
| 5 years | 3.50% p.a. |
*Deposits up to $250,000 per customer are guaranteed under the Australian Government's Financial Claims Scheme.
Interest rate where Term Deposit funds are withdrawn prior to the maturity date is 0.01% p.a. Term Deposit rates are fixed and apply to the whole balance of the account. For further information regarding interest and the products generally, please view the applicable Terms and Conditions.
You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
Smart Saver Account
| Balance | Standard variable rate | Bonus rate | Standard + bonus |
| Portion of the balance below $50,000∞ | 0.05% p.a. | 3.95% p.a. | 4.00% p.a. |
| Portion of the balance between $50,000 - $100,000∞ | 0.05% p.a. | 3.95% p.a. | 4.00% p.a. |
| Portion of the balance between $100,000 - $250,000∞ | 0.05% p.a. | 3.95% p.a. | 4.00% p.a. |
| Portion of the balance $250,000 and above∞ | 0.05% p.a. | 3.95% p.a. | 4.00% p.a. |
Smart Saver Under 25s Account
| Balance | Standard variable rate | Bonus rate | Standard + bonus |
| Portion of the balance below $50,000ᴥ | 0.05% p.a. | 4.70% p.a. | 4.75% p.a. |
| Portion of the balance between $50,000 - $100,000ᴥ | 0.05% p.a. | 4.45% p.a. | 4.50% p.a. |
| Portion of the balance between $100,000 - $250,000ᴥ | 0.05% p.a. | 4.45% p.a. | 4.50% p.a. |
| Portion of the balance $250,000 and aboveᴥ | 0.05% p.a. | 4.45% p.a. | 4.50% p.a. |
∞ Standard interest is earned on your Smart Saver Account each month that it maintains a positive balance. Bonus interest is paid on each portion of your balance within each strata (tier). This means that different rates of interest apply to different parts of your account balance. To qualify for bonus interest, your closing balance must be higher than the opening balance (excluding any interest earned) and you must not have made more than two withdrawals during the calendar month.
ᴥ Standard interest is earned on your Smart Saver Account each month that it maintains a positive balance. Bonus interest is paid on each portion of your balance within each strata (tier). This means that different rates of interest apply to different parts of your account balance. To qualify for bonus interest, your closing balance must be higher than the opening balance (excluding any interest earned) and you must not have made more than two withdrawals during the calendar month. All account holders must be under 25 years of age as at the first day of that month to be eligible for a Smart Saver Under 25’s.
20% p.a. interest rate is payable by account holder on any overdrawn amount.
All rates are variable. For further information regarding interest and products generally, please review the applicable Terms and Conditions.
You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
Online Savings account
| Online Savings Account | Interest rate |
| Entire balance (including Introductory Bonus Rate Offer#) | 4.75% p.a. |
| Introductory bonus rate# | 3.75% p.a. |
| Entire balance (standard rate) | 1.00% p.a. |
# The Online Savings Account Standard Rate is variable and subject to change without prior notice; however, the Introductory Bonus Rate offer is a fixed rate that won’t change during the period it applies to your account. The Introductory Bonus Rate applies for the first 3 months after the account is opened, on top of the Standard Rate. At the end of the 3-month Introductory Bonus Rate period only the Standard Rate will continue to apply. The Introductory Bonus Rate is available on a new Online Savings Account if you and all other account owners have not been eligible to receive the Introductory Bonus Rate on any other Online Savings Account in the previous 6-months. To be eligible to receive any interest inclusive of the Introductory Bonus Rate or Standard Rate, all account owners must hold an Everyday Account, Home Loan or a Credit Facility with Newcastle Permanent.
20% p.a. interest rate is payable by account holder on any overdrawn amount.
For further information regarding interest and products generally, please review the applicable Terms and Conditions.
You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
| Everyday account | Interest rate |
|---|---|
| Entire balance | 0.01% p.a. |
| Entire balance when linked to an eligible loan | For 100% Interest Offset - equivalent linked loan's%p.a. |
All rates are variable. For further information regarding interest and products generally, please review the applicable Terms and Conditions.
20% p.a. interest rate is payable by account holder on any overdrawn amount.
You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
| Special Monthly Interest Account | Interest rate |
|---|---|
| Up to $9,999 | 0.01% p.a. |
| $10,000 - $49,999 | 0.90% p.a. |
| $50,000 - $249,999 | 1.40% p.a. |
| $250,000 plus | 1.70% p.a. |
Interest is paid on each portion of your balance within each strata (tier). This means that different rates of interest apply to different parts of your account balance.
All rates are variable. For further information regarding interest and products generally, please review the applicable Terms and Conditions.
20% p.a. interest rate is payable by account holder on any overdrawn amount.
You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
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