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Interest Rates

Effective 16/03/17

 

Click on the product name below to view current interest rates.

 

Savings Accounts

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 0.05% p.a.
Above $25,000 0.10% 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 0.10% p.a.
$10,000 to $24,999.99 0.15% p.a.
$25,000 to $49,999.99 0.20% p.a.
$50,000 to $99,999.99 0.40% p.a.
$100,000 plus 0.65% 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 0.05%p.a.
Above $25,000 0.10% p.a

 

Interest calculated on the daily balance and paid on the 30 June.

 

Budget Account (S5)

Bill paying account with cheque book.

 

S5  Savings Accounts interest rates:

$0 to $500 Nil
$501 to $25,000 0.05% p.a.
Above $25,000 0.10% p.a.

 

Interest is calculated on the daily balance and paid on 30th June.

 

Beyond 2000 - Internet Saver Account (S7)

Minimum $2,000

1.55% p.a.

 

Christmas Club account (S2)

Spread the cost of Christmas over the year.

 

No minimum

1.25% 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.

 

  • Family members receiving a government pension or allowance are welcome to apply;
  • 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.

 

S10 interest rates:

$0 to $500 0.50% p.a
$501 to $48,000 1.00% p.a
Above $48,000 2.30% p.a

 

Interest calculated on the daily balance and paid on the last day of each month. 

Interest is calculated on that portion of the balance that sits within each tier.

 

 

Home Loans

Standard Variable Home Loan Interest Rate

4.99% p.a.

5.05% p.a.

(Comparison Rate)*

 

*Comparison Rate based on $150,000 loan over 25 years. 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.

 

Fixed Home Loan Interest Rate

ROA Fixed rates change weekly, please contact our office for a current rate.

 

Interest Only Mortgage

(Max 5 years, then reverts to P&I payments)

 

5.79% pa 5.85%p.a.
(Comparison Rate)*

 

*Comparison Rate based on $150,000 loan over 25 years. 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.

 

 

Investments/Term Depost

Term Deposit

Term (Months)

Interest Paid

$1000 - $4,999

$5,000 - $250,000

Over $250,000

1

Maturity

0.55%

1.40%

ROA

2

Maturity

0.55%

1.80%

ROA

3

Maturity

0.55%

2.10%

ROA

4

Maturity

0.80%

1.60%

ROA

5

Maturity

0.80%

1.60%

ROA

6

Maturity

1.05%

2.25%

ROA

6

Quarterly

1.05%

2.20%

ROA

6

Monthly

1.05%

2.20%

ROA

7

Maturity

1.05%

1.60%

ROA

8

Maturity

1.05%

1.60%

ROA

9

Maturity

1.05%

2.30%

ROA

10

Maturity

1.05%

1.60%

ROA

11

Maturity

1.05%

1.60%

ROA

12

Maturity

1.30%

2.45%

ROA

 

Half Year

1.30%

2.40%

ROA

 

Quarterly

1.30%

2.40%

ROA

 

Monthly

1.30%

2.40%

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%

2.50%

ROA

 

Quarterly

1.55%

2.50%

ROA

 

Monthly

1.55%

2.50%

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

ROA - Rate On Application

 

30 Days Notice of Withdrawal account (S8)

High interest earning savings account.

 

S8 interest rates:

$1,000 to $25,000 0.90% p.a.
$25,001 to $100,000 1.30% p.a.
$100,001 to $150,000 1.55% 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.

 

 

Personal & Car Loans

Secured Personal Loan

7.90% p.a.

8.15% p.a.

 (Comparison Rate)*

 

*Comparison Rate calculated based on borrowing $30,000 over 5 years. 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.

 

Unsecured Personal Loan

12.90% p.a.

13.96% p.a.

(Comparison Rate)*

 

*Comparison Rate calculated based on borrowing $10,000 over 3 years. 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.

 

New Car

6.90% p.a.

7.15% p.a.

 

*Comparison Rate calculated based on borrowing $30,000 over 5 years.  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.

 

 

Overdraft and Credit Card

Standard Overdraft

14.50% p.a.

No Comparison Rate

 

Secured Visa Credit Card

12.20% p.a.

No Comparison Rate

 

Un-Secured Visa Credit Card

14.50% p.a.

No Comparison Rate

 

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