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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 5.89%p.a. 7.60%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 28/10/2021 and are subject to change without prior notice.
    *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.
    36Receive up to 55 days interest free on your purchases, if you pay the closing balance each month (including any accrued interest, fees and charges) on each statement in full by the due date. 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 28/10/2021 and are subject to change without prior notice.
    37Terms, conditions, fees, charges and credit criteria apply. Before making a decision read the Terms and Conditions and consider if the product is right for you. For more information, view a copy of the Key Facts Sheet

  • Everyday Banking

    Entire balance 0.00%p.a.
    Interest rates effective as of 28/10/2021 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 28/10/2021 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 28/10/2021 and are subject to change without prior 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 0.01%p.a.
    $10,000 - $49,999 0.05%p.a.
    $50,000 - $249,999 0.15%p.a.
    $250,000 plus 0.30%p.a.
    Interest is paid on the portion of the balance within each strata.
    Interest rates effective as of 28/10/2021 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 up to $50,000∞ 0.25%p.a.
    Entire balance $50,000-$100,000∞ 0.25%p.a.
    Entire balance $100,000-$250,000∞ 0.25%p.a.
    Entire balance over $250,000∞ 0.25%p.a.
    Entire balance up to $50,000ᴥ 1.00%p.a.
    Entire balance $50,000-$100,000ᴥ 1.00%p.a.
    Entire balance $100,000-$250,000ᴥ 1.00%p.a.
    Entire balance over $250,000ᴥ 1.00%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 28/10/2021 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) 0.05%p.a.
    Entire Balance (including Introductory Bonus Rate Offer#) 0.30%p.a.
    Introductory Bonus Rate 0.25%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 28/10/2021. All rates are variable and are subject to change without notice, but the fixed Introductory Bonus rate component will not change while it applies.
    #The Fixed Rate Introductory Bonus Rate will apply for the first 3 months after account opening on top of the current variable Standard Rate. The 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 have an Everyday Account, a Home Loan or Credit Facility with us at the time interest is applied. At the end of the 3 month introductory period the standard variable rate, applicable at that time will apply to the Online Savings Account.
    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 0.55%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 28/10/2021 and are subject to change without prior 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

    21 - 45 days 0.10%p.a.
    46 - 75 days 0.10%p.a.
    76 - 105 days 0.20%p.a.
    106 - 135 days 0.20%p.a.
    136 - 165 days 0.20%p.a.
    166 - 195 days 0.30%p.a.
    196 - 225 days 0.30%p.a.
    226 - 255 days 0.30%p.a.
    256 - 285 days 0.30%p.a.
    286 - 315 days 0.35%p.a.
    316 - 345 days 0.35%p.a.
    346 - 385 days 0.40%p.a.
    Interest rates effective as of 28/10/2021 and are subject to change without prior notice.
    *Deposits are guaranteed under the Australian Government's Financial Claims Scheme.
    Interest rate where Term Deposit funds are withdrawn prior to the maturity date is 0.10% 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.
    76 - 105 days 0.10%p.a.
    106 - 135 days 0.10%p.a.
    136 - 165 days 0.10%p.a.
    166 - 195 days 0.20%p.a.
    196 - 225 days 0.20%p.a.
    226 - 255 days 0.20%p.a.
    256 - 285 days 0.20%p.a.
    286 - 315 days 0.25%p.a.
    316 - 345 days 0.25%p.a.
    346 - 385 days 0.30%p.a.
    2 years 0.35%p.a.
    3 years 0.70%p.a.
    4 years 0.80%p.a.
    5 years 0.90%p.a.
    1 year 0.30%p.a.
    2 years 0.35%p.a.
    3 years 0.70%p.a.
    4 years 0.80%p.a.
    5 years 0.90%p.a.
    1 year 0.30%p.a.
    2 years 0.35%p.a.
    3 years 0.70%p.a.
    4 years 0.80%p.a.
    5 years 0.90%p.a.
    2 years 0.45%p.a.
    3 years 0.80%p.a.
    4 years 0.90%p.a.
    5 years 1.00%p.a.
    Interest rates effective as of 28/10/2021 and are subject to change without prior notice.
    *Deposits are guaranteed under the Australian Government's Financial Claims Scheme.
    Interest rate where Term Deposit funds are withdrawn prior to the maturity date is 0.10% 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.

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

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