Interest Rates
Effective 22/11/18
Home Loans
| Owner Occupied - Principal & Interest | Interest Rate | Comparison Rate1 |
|---|---|---|
| Standard Variable Reference Rate | 4.99% | 5.05% |
| New Loan Discounts | ||
| $50,000 - $249,999 | 4.49% | 4.55% |
| $250,000 - $499,999 | 4.09% | 4.15% |
| Over $500,000 | 3.99% | 4.05% |
| Owner Occupied - Interest Only | ||
| Reference Rate | 5.99% | 6.05% |
| New Loan Discounts | ||
| $50,000 - $249,999 | 5.49% | 5.55% |
| $250,000 - $499,999 | 5.29% | 5.35% |
| Over $500,000 | 5.09% | 5.15% |
| Investment - Principal & Interest | ||
| Reference Rate | 5.19% | 5.25% |
| New Loan Discounts | ||
| $50,000 - $249,999 | 4.39% | 4.45% |
| $250,000 - $499,999 | 4.29% | 4.35% |
| Over $500,000 | 4.19% | 4.25% |
| Investment - Interest Only | ||
| Reference Rate | 5.69% | 5.75% |
| New Loan Discounts | ||
| $50,000 - $249,999 | 4.89% | 4.95% |
| $250,000 - $499,999 | 4.79% | 4.85% |
| Over $500,000 | 4.69% | 4.75% |
Personal Loans
| New Car Loan (< 12 months old) L37 | Interest Rate | Comparison 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 (S99) (S90) (S88) | |
|---|---|
| Any balance | Nil |
| High Interest Saver (S37) | |
| Any balance – no minimum | 1.50% |
| Business High Interest (S38) | |
| Any balance - No minimum | 1.25% |
| Christmas Club Account (S45) | |
| No minimum | 1.00% |
| Seniors Account (S93) | |
| $0 - $48,000 | 1.00% |
| Above $48,000 | 2.10% |
| Youth Account (S92) | |
| Any balance – no minimum | 1.25% |
| 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 | 1.50% |
| Christmas Club Account (S2) | |
| No Minimum | 1.00% |
| Pensioner Plus Account (S10) | |
| $0 - $500 | 0.50% |
| $501 - $48,000 | 1.00% |
| Above $48,000 | 2.10% |
| Cash Fund (S4) | |
| $2,000 - $9,999.99 | 0.10% |
| $10,000 - $24,999.99 | 0.15% |
| $25,000 - $49,999.99 | 0.20% |
| $50,000 - $99,999.99 | 0.40% |
| $100,000 Plus | 0.65% |
| 30 Day Notice of Withdrawl Account (S8) | |
| $500 - $25,000 | 0.90% |
| $25,001 - $100,000 | 1.30% |
| $100,001 - $150,000 | 1.45% |
| Above $150,000 | ROA |
| Term (Months) | Interest Paid | $1,000 -$4,999 | $5,000 - $250,000 | Over $250,000 |
|---|---|---|---|---|
| 1 | Maturity | 0.55% | 1.30% | ROA |
| 2 | Maturity | 0.55% | 1.75% | ROA |
| 3 | Maturity | 0.55% | 2.05% | ROA |
| 4 | Maturity | 0.80% | 1.55% | ROA |
| 5 | Maturity | 0.80% | 1.55% | ROA |
| 6 | Maturity | 1.05% | 2.05% | ROA |
| 6 | Quarterly | 1.05% | 2.00% | ROA |
| 6 | Monthly | 1.05% | 2.00% | ROA |
| 7 | Maturity | 1.05% | 1.55% | ROA |
| 8 | Maturity | 1.05% | 1.50% | ROA |
| 9 | Maturity | 1.05% | 1.50% | ROA |
| 10 | Maturity | 1.05% | 1.55% | ROA |
| 11 | Maturity | 1.05% | 1.55% | ROA |
| 12 | Maturity | 1.30% | 2.30% | ROA |
| Half Year | 1.30% | 2.25% | ROA | |
| Quarterly | 1.30% | 2.25% | ROA | |
| Monthly | 1.30% | 2.25% | ROA | |
| 15 | Maturity | 1.30% | 2.05% | ROA |
| 24 | Maturity | 1.55% | 2.50% | ROA |
| Yearly | 1.55% | 2.45% | ROA | |
| Half Year | 1.55% | 2.45% | ROA | |
| Quarterly | 1.55% | 2.45% | ROA | |
| Monthly | 1.55% | 2.45% | ROA | |
| 36 | Yearly | 1.55% | 2.55% | ROA |
| Half Year | 1.55% | 2.55% | ROA | |
| Quarterly | 1.55% | 2.55% | ROA | |
| Monthly | 1.55% | 2.55% | ROA | |
| 48 | Yearly | 1.55% | 2.60% | ROA |
| Half Year | 1.55% | 2.55% | ROA | |
| Quarterly | 1.55% | 2.55% | ROA | |
| Monthly | 1.55% | 2.55% | ROA | |
| 60 | Yearly | 1.55% | 2.65% | ROA |
| Half Year | 1.55% | 2.60% | ROA | |
| Quarterly | 1.55% | 2.60% | ROA | |
| Monthly | 1.55% | 2.60% | ROA |
