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BSB 650 000

Personal Interest Rates

We are 100% owned by our members and provide market-leading personal & business banking products, home loans & credit cards.

Enquire now All Interest Rates

Personal Banking Interest rates

  • Personal Lending

    Secured Loan - Tier 1 ~ 6.69%p.a. 8.41%p.a.
    Secured Loan - Tier 2 ~ 6.69%p.a. 8.41%p.a.
    Partially Secured Loan 8.99%p.a. 10.73%p.a.
    Unsecured Loan 8.99%p.a. 10.73%p.a.
    Interest rates effective as of 21/11/2019 and are subject to change without notice.
    ~ The different secured interest rate tiers are determined by the type of security provided. Please call 13 19 87, or drop into your local Newcastle Permanent branch for further information.
    *Comparison Rate calculated on loan amount of $10,000 for a term of 3 years based on monthly repayments. WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
    Applications are subject to credit approval. Full terms and conditions will be included with our loan offer, fees and charges apply. Loans for commercial purposes are excluded.
    Purchase Rate 11.99%p.a.
    Balance Transfer Rate 11.99%p.a.
    Cash Advance Rate 11.99%p.a.
    * Interest free period is up to 55 days. This applies to purchases only. There is no interest free period for balance transfers and cash advances. Interest is calculated on these items from the day of the transaction.
    Interest rates effective as of 21/11/2019 and are subject to change without notice.
    Fees, charges, terms and conditions apply to all loan products and will be included with our loan offer.
    For more information, view a copy of the Key Facts Sheet.

  • Everyday Banking

    Entire balance 0.00%p.a.
    Interest rates effective as of 21/11/2019 and are subject to change without notice.
    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.
    Entire balance 0.01%p.a.
    Entire balance when linked to an eligible loan For 100% Interest Offset - equivalent linked loan's%p.a.
    Interest rates effective as of 21/11/2019 and are subject to change without notice.
    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.
    Entire balance when linked to a Premium Plus Package 1.00%p.a.
    This account is no longer available, other than to customers who hold a Premium Plus Package loan entered into prior to 1 July 2017.
    Interest rates effective as of 21/11/2019 and are subject to change without notice.
    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.
    Up to $9,999 0.15%p.a.
    $10,000 - $49,999 0.35%p.a.
    $50,000 - $249,999 0.80%p.a.
    $250,000 plus 1.10%p.a.
    Interest is paid on the portion of the balance within each strata.
    Interest rates effective as of 21/11/2019 and are subject to change without notice.
    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.

    Can't find what you're looking for? Refer to the Products no longer available for sale.

  • Savings Accounts

    Entire balance ∞ 1.50%p.a.
    Entire balance when all account holders are under 25ᴥ 2.30%p.a.
    ∞ Interest is earned for every calendar month that your Smart Saver Account closing balance on the last day of the month is at least $150 higher than the opening balance on the first day of that month (excluding any amounts of interest earned on the account in that month) and no more than 2 withdrawals have been made from the account during that month.
    ᴥ Interest is earned for every calendar month that your Smart Saver Account closing balance on the last day of the month is at least $10 higher than the opening balance on the first day of that month (excluding any amounts of interest earned on the account in that month) and no more than 2 withdrawals have been made from the account during that month. You and any other account holder of your Smart Saver Account must be under 25 years of age as at the last day of that month to be eligible for this interest rate.
    Interest rates effective as of 21/11/2019 and are subject to change without notice.
    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.
    Entire Balance (Standard Rate) 0.35%p.a.
    Entire Balance (including Introductory Bonus Rate Offer#) 1.80%p.a.
    Introductory Bonus Rate 1.45%p.a.
    Simply have an Everyday Account, or a Home Loan or a Credit Facility with us at the time interest is applied.
    Interest rates effective as of 21/11/2019. All rates are variable and are subject to change without notice, but the fixed Introductory Bonus rate component will not change while it applies.
    #For accounts opened from 14 October 2019, a Fixed Introductory Bonus Rate (currently at 1.45% p.a.) will apply for 3 months after account opening on top of the current variable Standard Rate. This introductory offer is only available to new Online Savings Account holders who have not held an Online Savings Account with us during the last 6 months, and also have an Everyday Account, a Home Loan or a Credit Facility with us at the time interest is applied. At the end of the 3 month introductory period, the then current variable Standard Rate will apply to the Online Savings Account. Details of the Introductory Bonus Rate applicable to accounts opened from 13 July 2019 to 13 October 2019 can be obtained by contacting us on 13 19 87.
    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.
    Entire Balance when linked to a Premium Plus Package 0.70%p.a.
    This account is no longer available, other than to customers who hold a Premium Plus Package loan entered into prior to 1 July 2017.
    Simply make at least one deposit and no withdrawals during a calendar month.
    Interest rates effective as of 21/11/2019 and are subject to change without notice.
    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.

    Can't find what you're looking for? Refer to the Products no longer available for sale.

  • Term Deposit Accounts

    1 month  n/a  n/a
    		  n/a
    		  n/a
    		  1.00%p.a.
    2 months  n/a  n/a
    		  n/a
    		  n/a
    		  1.10%p.a.
    3 months  1.25%p.a.  1.45%p.a.
    		  1.45%p.a.
    		  1.45%p.a.
    		  1.45%p.a.
    4 months  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    5 months  1.25%p.a.
    		  1.45%p.a.
    		  1.45%p.a.
    		  1.45%p.a.
    		  1.45%p.a.
    6 months  1.25%p.a.
    		  1.40%p.a.
    		  1.40%p.a.
    		  1.40%p.a.
    		  1.40%p.a.
    7 months  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    8 months  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    9 months  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    10 months  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    11 months  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    		  1.25%p.a.
    12 months  1.25%p.a.
    		  1.40%p.a.
    		  1.40%p.a.
    		  1.40%p.a.
    		  1.40%p.a.
    Interest rates effective as of 21/11/2019 and are subject to change without notice.
    Term Deposit, Gold Term Deposit and Platinum Fixed 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.
    Interest rate where Term Deposit, Gold Term Deposit or Platinum Fixed funds are withdrawn prior to the maturity date is 0.50% p.a.
    Gold Term Deposit and Platinum Fixed interest rates are indicative only. Interest paid monthly, quarterly, half yearly, annually and at maturity are available depending on the term selected. Please contact our Treasury Department on (02) 4927 4559 for details and applicable rates.
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
    3 months  n/a  n/a  1.35%p.a.  1.35%p.a.  1.35%p.a.
    4 months  n/a  n/a  1.15%p.a.  1.15%p.a.  1.15%p.a.
    5 months  n/a  n/a  1.35%p.a.  1.35%p.a.  1.35%p.a.
    6 months  n/a  n/a  1.30%p.a.  1.30%p.a.  1.30%p.a.
    7 months  n/a  n/a  1.15%p.a.  1.15%p.a.  1.15%p.a.
    8 months  n/a  n/a  1.15%p.a.  1.15%p.a.  1.15%p.a.
    9 months  n/a  n/a  1.15%p.a.  1.15%p.a.  1.15%p.a.
    10 months  n/a  n/a  1.15%p.a.  1.15%p.a.  1.15%p.a.
    11 months  n/a  n/a  1.15%p.a.  1.15%p.a.  1.15%p.a.
    12 months  1.15%p.a.  1.30%p.a.  1.30%p.a.  1.30%p.a.  1.30%p.a.
    Interest rates effective as of 21/11/2019 and are subject to change without notice.
    Interest rate where Term Deposit, Gold Term Deposit or Platinum Fixed funds are withdrawn prior to the maturity date is 0.50% p.a.
    Term Deposit, Gold Term Deposit and Platinum Fixed 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.
    Gold Term Deposit and Platinum Fixed interest rates are indicative only. Interest paid monthly, quarterly, half yearly, annually and at maturity are available depending on the term selected. Please contact our Treasury Department on (02) 4927 4559 for details and applicable rates.
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
    21 - 45 days 1.00%p.a. 1.00%p.a.
    46 - 75 days 1.10%p.a. 1.10%p.a.
    76 - 105 days 1.45%p.a. 1.45%p.a.
    106 - 135 days 1.25%p.a. 1.25%p.a.
    136 - 165 days 1.45%p.a. 1.45%p.a.
    166 - 195 days 1.40%p.a. 1.40%p.a.
    196 - 225 days 1.25%p.a. 1.25%p.a.
    226 - 255 days 1.25%p.a. 1.25%p.a.
    256 - 285 days 1.25%p.a. 1.25%p.a.
    286 - 315 days 1.25%p.a. 1.25%p.a.
    316 - 345 days 1.25%p.a. 1.25%p.a.
    346 - 385 days 1.40%p.a. 1.40%p.a.
    Interest rates effective as of 21/11/2019 and are subject to change without notice.
    Interest rate where Term Deposit, Gold Term Deposit or Platinum Fixed funds are withdrawn prior to the maturity date is 0.50% p.a.
    Term Deposit, Gold Term Deposit and Platinum Fixed 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.
    Gold Term Deposit and Platinum Fixed interest rates are indicative only. Interest paid monthly, quarterly, half yearly, annually and at maturity are available depending on the term selected. Please contact our Treasury Department on (02) 4927 4559 for details and applicable rates.
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
    76 - 105 days Monthly Interest 1.35%p.a. 1.35%p.a.
    106 - 135 days Monthly Interest 1.15%p.a. 1.15%p.a.
    136 - 165 days Monthly Interest 1.35%p.a. 1.35%p.a.
    166 - 195 days Monthly Interest 1.30%p.a. 1.30%p.a.
    196 - 225 days Monthly Interest 1.15%p.a. 1.15%p.a.
    226 - 255 days Monthly Interest 1.15%p.a. 1.15%p.a.
    256 - 285 days Monthly Interest 1.15%p.a. 1.15%p.a.
    286 - 315 days Monthly Interest 1.15%p.a. 1.15%p.a.
    316 - 345 days Monthly Interest 1.15%p.a. 1.15%p.a.
    346 - 385 days Monthly Interest 1.30%p.a. 1.30%p.a.
    365 days Quarterly Interest 1.30%p.a. 1.30%p.a.
    365 days Half Yearly Interest 1.30%p.a. 1.30%p.a.
    2 years Monthly Interest 1.30%p.a. 1.30%p.a.
    3 years Monthly Interest 1.30%p.a. 1.30%p.a.
    4 years Monthly Interest 1.30%p.a. 1.30%p.a.
    5 years Monthly Interest 1.30%p.a. 1.30%p.a.
    2 years Quarterly Interest 1.30%p.a. 1.30%p.a.
    3 years Quarterly Interest 1.30%p.a. 1.30%p.a.
    4 years Quarterly Interest 1.30%p.a. 1.30%p.a.
    5 years Quarterly Interest 1.30%p.a. 1.30%p.a.
    2 years Half Yearly Interest 1.30%p.a. 1.30%p.a.
    3 years Half Yearly Interest 1.30%p.a. 1.30%p.a.
    4 years Half Yearly Interest 1.30%p.a. 1.30%p.a.
    5 years Half Yearly Interest 1.30%p.a. 1.30%p.a.
    2 years Annual Interest 1.40%p.a. 1.40%p.a.
    3 years Annual Interest 1.40%p.a. 1.40%p.a.
    4 years Annual Interest 1.40%p.a. 1.40%p.a.
    5 years Annual Interest 1.40%p.a. 1.40%p.a.
    Interest rates effective as of 21/11/2019 and are subject to change without notice.
    Interest rate where Term Deposit, Gold Term Deposit or Platinum Fixed funds are withdrawn prior to the maturity date is 0.50% p.a.
    Term Deposit, Gold Term Deposit and Platinum Fixed 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.
    Gold Term Deposit and Platinum Fixed interest rates are indicative only. Interest paid monthly, quarterly, half yearly, annually and at maturity are available depending on the term selected. Please contact our Treasury Department on (02) 4927 4559 for details and applicable rates.
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
    21 - 45 days 1.00%p.a.
    46 - 75 days 1.10%p.a.
    76 - 105 days 1.45%p.a.
    106 - 135 days 1.25%p.a.
    136 - 165 days 1.45%p.a.
    166 - 195 days 1.40%p.a.
    196 - 225 days 1.25%p.a.
    226 - 255 days 1.25%p.a.
    256 - 285 days 1.25%p.a.
    286 - 315 days 1.25%p.a.
    316 - 345 days 1.25%p.a.
    346 - 385 days 1.40%p.a.
    Interest rates effective as of 21/11/2019 and are subject to change without notice.
    You must hold at least $500,000 in Platinum Deposits with at least $200,000 in the Platinum Fixed Account – see Terms and Conditions for details.
    Interest rate where Term Deposit, Gold Term Deposit or Platinum Fixed funds are withdrawn prior to the maturity date is 0.50% p.a.
    Term Deposit, Gold Term Deposit and Platinum Fixed 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.
    Gold Term Deposit and Platinum Fixed interest rates are indicative only. Interest paid monthly, quarterly, half yearly, annually and at maturity are available depending on the term selected. Please contact our Treasury Department on (02) 4927 4559 for details and applicable rates.
    You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
    Entire balance where total Platinum Deposits $500,000 and over 0.75%p.a.
    Entire balance where total Platinum Deposits less than $500,000 0.00%p.a.
    Interest rates effective as of 21/11/2019 and are subject to change without notice.
    You must hold at least $500,000 in Platinum Deposits with at least $200,000 in the Platinum Fixed Account – see Terms and Conditions for details.
    20% pa interest rate is payable by account holder on any overdrawn Platinum At-Call amount.
    Interest rate where Term Deposit, Gold Term Deposit or Platinum Fixed funds are withdrawn prior to the maturity date is 0.50% p.a.
    Term Deposit, Gold Term Deposit and Platinum Fixed 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.
    Gold Term Deposit and Platinum Fixed interest rates are indicative only. Interest paid monthly, quarterly, half yearly, annually and at maturity are available depending on the term selected. Please contact our Treasury Department on (02) 4927 4559 for details and applicable rates.
    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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  • Enquiry Make an enquiry

    One of our friendly Financial Advisers will respond to your enquiry within one business day (Monday to Friday).

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    We will respond to your enquiry within one business day.

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    One of our friendly Home Loan Experts will respond to your enquiry within one business day.

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    One of our friendly Personal Loan Experts will respond to your enquiry within one business day.

    All information is required unless otherwise stated as optional.

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    Please be aware to borrow this amount you will be required to provide security. You may continue with your online enquiry, providing security where requested, or you can contact our Member Support Centre on 13 19 87 to discuss our security requirements prior to completing your enquiry.

    Security against Loan

    The car should be less then eight years old and for personal use only.

    The motorcycle should be less then seven years old at the end of the loan term. Please note that only on-road and dual purpose motorcycles are accepted as security for a Personal Loan.

    To be used as security this account must be held with the Newcastle Permanent. If you would like to transfer your Term Deposit to the Newcastle Permanent please contact our Member Support Centre on 13 19 87.

    If the property is mortgaged, the mortgage must be held with the Newcastle Permanent to be accepted as security. If you would like to transfer your Mortgage to the Newcastle Permanent please contact our Member Support Centre on 13 19 87.

    Financial statements for the past two financial years will be required to support your application.

    Please note that unemployment benefits are not accepted as eligible income to apply for a Personal Loan. You may contact our Member Support Centre directly on 13 19 87 for further clarification on acceptable sources of income.

    Acceptable Pension type: Aged, Disability, Veterans Affairs and Carers. If you are receiving any other type of pension you may not be eligible for a Personal Loan. Please contact our Member Support Centre on 13 19 87 to discuss your eligibility.

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    Here’s some information for you: Terms and conditions apply and will be included with our loan offer.

    Here’s some information for you: Newcastle Permanent Building Society AFSL 238273.

    Here’s some information for you : Applications for finance are subject to Newcastle Permanent's normal credit approval process. Full terms and conditions will be included with our loan offer. Fees and charges are payable. Loans for commercial purposes are excluded.

    Here's some more information for you: This enquiry does not constitute a loan or pre-approval. Applications for credit are subject to Newcastle Permanents normal credit approval process. Full terms and conditions will be included with our loan offer. Fees and charges are payable.

    Here’s some information for you: Applications for finance are subject to Newcastle Permanent's normal credit approval process.

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