SUPER S Account (S6) (S11) (S22) (S23)
Local and worldwide transaction account.
SuperS Savings Accounts interest rates:
$0 to $500 |
Nil |
$501 to
$25,000 |
0.10% p.a. |
Above $25,000 |
0.25% p.a. |
Interest is calculated on the daily balance and paid on 30th June.
Cash
Fund account (S4)
High interest earning cash
management account.
24 hours written notice of withdrawal. Minimum balance $2,000.
Interest rates reviewed monthly.
S4 Savings Accounts interest rates:
$2,000 to $9,999.99 |
1.50% p.a. |
$10,000 to
$24,999.99 |
2.85% p.a. |
$25,000 to
$49,999.99 |
3.65% p.a. |
$50,000 to
$99,999.99 |
3.70% p.a. |
$100,000 plus |
3.75% p.a. |
Interest calculated on the
daily balance and
paid on the last day of each month.
General Savings (S1) & Special Purpose (S3) Savings accounts
Simple no-fuss savings accounts.
Choose a name for your special purpose savings account
S1 & S3 interest rates:
$0 to $500 |
NIL |
$501 to $25,000 |
0.10%p.a. |
Above $25,000 |
0.25% p.a |
Interest calculated on the
daily balance and paid on the 30 June.
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Budget Account (S5)
Bill paying account with cheque book.
S5 Savings Accounts interest rates:
$0 to $500 |
Nil |
$501 to
$25,000 |
0.10% p.a. |
Above $25,000 |
0.25% p.a. |
Interest is calculated on the daily balance and paid on 30th June.
Beyond 2000 - Internet Saver Account (S7)
Christmas
Club account (S2)
Spread the cost of Christmas
over the year.
No minimum balance |
2.50% p.a. |
Fixed from 1 January to 31st October.
On-call access during November and December.
Interest calculated on the daily balance and paid on the 31st October. |
Pensioner Plus account (S10)
High interest earning at-call savings account.
Meets the government’s deeming requirements and more.
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Family members receiving a government
pension or allowance are welcome to apply;
Transfer funds to Super S account for access via Visa
Debit Card or cheque book;
Pension can be paid directly into account;
No card fee for members 65 years of age or
over. |
Applicants must be receiving a government
pension or allowance which is subject to deeming. |
S10 interest rates:
$0 to $500 |
1.00% p.a |
$501 to $44,600 |
3.00% p.a |
Above $44,600 |
4.50% p.a |
Interest calculated on the
daily balance and paid on the last day
of each month. |
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Investments and Term Deposits |
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Term Deposit Interest
Rates
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$1,000 to
$25,000 |
$25,001 to
$100,000 |
$100,001 to
$150,000 |
$150,001
plus |
30 Days |
3.15% p.a. |
3.25% p.a. |
3.35% p.a. |
ROA |
3 Months |
4.85% p.a. |
4.95% p.a. |
5.05% p.a. |
ROA |
6 Months |
4.85% p.a. |
4.95% p.a. |
5.05% p.a. |
ROA |
9 Months |
4.35% p.a. |
4.45% p.a |
4.55% p.a.. |
ROA |
12 Months |
4.75% p.a. |
4.85% p.a. |
4.95% p.a. |
ROA |
24 Months |
4.75% p.a. |
4.85% p.a. |
4.95% p.a. |
ROA |
ROA - Rate On Application
*New deposits only- no re-investments. Max deposit amount $500,000 - greater amounts by applciation. Minimum deposit amount $500. |
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30 Days Notice of
Withdrawal account (S8)
High interest earning savings account.
S8 interest rates:
$500 to $25,000 |
3.15% p.a. |
$25,001 to $100,000 |
3.25% p.a. |
$100,001 to $150,000 |
3.35% p.a. |
$150,001 plus |
Rate on application |
Pro-rata interest for initial deposit then calculated on the daily
balance and paid on the last day of each month. |
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Car Loans |
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New Car Loan Interest Rate
8.99%p.a. |
9.13%p.a. (Comparison Rate)* |
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Cars up to 5 years Old Interest Rate
7.99%p.a. |
8.16%p.a. (Comparison Rate)* |
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*Comparison Rate calculated based on borrowing $30,000 over 5 years to purchase a car |
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*Comparison Rate calculated based on borrowing $30,000 over 5 years to purchase a car - SPECIAL RATE UNTIL FEB 29th 2012. |
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Home loans |
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Standard Variable Home Loan Interest Rate
7.15%p.a. |
7.16%p.a. (Comparison Rate)* |
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Fixed Home Loan Interest Rate
ROA |
Fixed rates change weekly, please contact our office for a current rate. |
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Comparison Rate based on $200,000 loan over 25 years - comparison rate schedule available from Circle Credit. Warning: This comparison rate applies to the example or examples given only. Different amounts and terms will result in different comparison rates. |
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Integris Home Loan Special
6.80%p.a. |
6.86%p.a. (Comparison Rate)* |
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Interest Only Mortgage
(Max 5 years, then reverts to P&I payments)
7.30%p.a. |
7.31%p.a. (Comparison Rate)*
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Comparison Rate based on $200,000 loan over 25 years - comparison rate schedule available from Circle Credit. Warning: This comparison rate applies to the example or examples given only. Different amounts and terms will result in different comparison rates. |
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Comparison Rate based on $200,000 loan over 25 years - comparison rate schedule available from Circle Credit. Warning: This comparison rate applies to the example or examples given only. Different amounts and terms will result in different comparison rates. |
Line of Credit Mortgage
7.45%p.a. |
Line of credit must make minimum repayments on both principal and interest. |
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Lo-Doc Home Loan Interest Rate
7.55%p.a. |
7.61%p.a. (Comparison Rate)* |
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Comparison Rate based on $200,000 loan over 25 years - comparison rate schedule available from Circle Credit. Warning: This comparison rate applies to the example or examples given only. Different amounts and terms will result in different comparison rates |
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Personal Loans |
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Secured Personal Loan Interest Rate
11.20%p.a. |
11.35%p.a. (Comparison Rate)* |
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Unsecured Personal Loan Interest Rate
13.90%p.a. |
14.91%p.a. (Comparison Rate)* |
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*Comparison Rate calculated based on borrowing $30,000 over 5 years. |
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*Comparison Rate calculated based on borrowing $5,000 over 2 years. |
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Overdraft & Credit Cards |
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Standard Overdraft Interest Rate
14.50%p.a. |
No Comparison Rate |
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Secured Visa Credit Card Interest Rate
12.20%p.a. |
No Comparison Rate |
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Un-Secured Visa Credit Card Interest Rate
14.50%p.a. |
No Comparison Rate |
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