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Interest Rates

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Interest Rates

Effective 17/10/2019

Loans & Credit Cards

Home Loans

Owner Occupied - Principal & InterestInterest RateComparison Rate1
Basic Home Loan Special 3.39% 3.45%
Standard Variable Reference Rate 4.44% 4.50%
New Loan Discounts    
$50,000 - $249,999 3.94% 4.00%
Over $250,000 3.44% 3.50%
Owner Occupied - Interest Only  
Reference Rate 5.54% 5.60%
New Loan Discounts       
$50,000 - $249,999 5.04% 5.10%
Over $250,000 4.64% 4.70%
Investment - Principal & Interest  
Reference Rate 4.64% 4.70%
New Loan Discounts    
$50,000 - $249,999 3.84% 3.90%
Over $250,000 3.64% 3.70%
Investment - Interest Only  
Reference Rate 5.09% 5.15%
New Loan Discounts    
$50,000 - $249,999 4.59% 4.65%
Over $250,000 4.24% 4.30%

 

Personal Loans

New Car Loan (< 12 months old)          L37Interest RateComparison Rate
Interest Rate 6.90% 7.15%2
Secured Personal Loan: L37
Interest Rate 7.90% 8.15%2
Unsecured Personal Loan: L36
Interest Rate 12.90% 13.96%3

 

Credit Cards

Credit Cards
Base Rate 14.50%
Circle Home Loan Rate 12.20%

Loan interest is calculated daily by multiplying the unpaid balance of the account at the end of the day by the daily percentage rate. The daily percentage rate is the Annual Percentage Rate divided by 365. Interest is charged monthly and on the day you pay the balance of the loan. All rates quoted are Annual Percentage Rates. Fees and charges are payable. Terms and conditions available on request. Rates are subject to change without notice.

Comparison Rates 

1 Comparison rate calculated on a secured loan amount of $150,000 over a term of 25 years based on monthly repayments.

2  Comparison rate calculated on a secured loan amount of $30,000 over a term of 5 years based on monthly repayments.
3  Comparison rate calculated on an unsecured loan amount of $10,000 over a term of 3 years based on monthly repayments.

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

Savings & Transaction Accounts

Savings & Transaction Accounts (S99) (S90) (S88)
Any balance Nil
High Interest Saver (S37)
Any balance – no minimum 0.90%
Business High Interest (S38)
Any balance - No minimum 0.65%
Christmas Club Account (S45)
No minimum 0.40%
Seniors Account (S93)
$0 - $48,000 0.40%
Above $48,000 1.50%
Youth Account (S92)
Any balance – no minimum 0.65%
Concession Account (S36)
Any balance Nil

Accounts no longer sold after 1/7/18 – existing accounts as at 1/7/18 remain until further notice

Savings & Transaction Accounts (S1) (S3) (S5) (S6) (S11 – S15) (S22) (S23)
Any balance Nil
Beyond 2000 Internet Saver Account (S7)
Minimum $2,000 0.90%
Christmas Club Account (S2)
No Minimum 0.40%
Pensioner Plus Account (S10)
$0 - $500 0.10%
$501 - $48,000 0.40%
Above $48,000 1.50%
Cash Fund (S4)
$2,000 - $9,999.99 0.10%
$10,000 - $24,999.99 0.10%
$25,000 - $49,999.99 0.10%
$50,000 - $99,999.99 0.15%
$100,000 Plus 0.20%
30 Day Notice of Withdrawl Account (S8)
$500 - $25,000 0.30%
$25,001 - $100,000 0.70%
$100,001 - $150,000 0.85%
Above $150,000 0.85%

Term Deposits

Term (Months)

Interest Paid

$1,000 -$4,999

$5,000 - $250,000

Over $250,000

1

Maturity

0.50%

0.90%

ROA

2

Maturity

0.50%

1.05%

ROA

3

Maturity

0.50%

1.50%

ROA

4

Maturity

0.50%

1.25%

ROA

5

Maturity

0.50%

1.25%

ROA

6

Maturity

0.50%

1.30%

ROA

6

Quarterly

0.50%

1.25%

ROA

6

Monthly

0.50%

1.25%

ROA

7

Maturity

0.50%

1.20%

ROA

8

Maturity

0.50%

1.20%

ROA

9

Maturity

0.50%

1.20%

ROA

10

Maturity

0.50%

1.25%

ROA

11

Maturity

0.50%

1.25%

ROA

12

Maturity

0.75%

1.30%

ROA

 

Half Year

0.75%

1.25%

ROA

 

Quarterly

0.75%

1.25%

ROA

 

Monthly

0.75%

1.25%

ROA

15

Maturity

0.75%

1.30%

ROA

24

Maturity

1.00%

1.40%

ROA

 

Yearly

1.00%

1.35%

ROA

 

Half Year

1.00%

1.35%

ROA

 

Quarterly

1.00%

1.35%

ROA

 

Monthly

1.00%

1.35%

ROA

36

Yearly

1.00%

1.40%

ROA

 

Half Year

1.00%

1.35%

ROA

 

Quarterly

1.00%

1.35%

ROA

 

Monthly

1.00%

1.35%

ROA

48

Yearly

1.00%

1.45%

ROA

 

Half Year

1.00%

1.40%

ROA

 

Quarterly

1.00%

1.40%

ROA

 

Monthly

1.00%

1.40%

ROA

60

Yearly

1.00%

1.50%

ROA

 

Half Year

1.00%

1.45%

ROA

 

Quarterly

1.00%

1.45%

ROA

 

Monthly

1.00%

1.45%

ROA