Interest Rates
Effective 16/03/17
Click on the product name below to view current interest rates.
Savings Accounts
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.
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
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.
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.
| Minimum $2,000 | 1.55% p.a. |
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.
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
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.
| ROA | Fixed rates change weekly, please contact our office for a current rate. |
(Max 5 years, then reverts to P&I payments)
| 5.14% pa | 5.20%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 (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% | 2.65% | ROA |
| 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 |
36 | Yearly | 1.55% | 2.70% | ROA |
| Half Year | 1.55% | 2.65% | ROA |
| Quarterly | 1.55% | 2.65% | ROA |
| Monthly | 1.55% | 2.65% | ROA |
48 | Yearly | 1.55% | 2.75% | ROA |
| Half Year | 1.55% | 2.70% | ROA |
| Quarterly | 1.55% | 2.70% | ROA |
| Monthly | 1.55% | 2.70% | ROA |
60 | Yearly | 1.55% | 2.80% | ROA |
| Half Year | 1.55% | 2.75% | ROA |
| Quarterly | 1.55% | 2.75% | ROA |
| Monthly | 1.55% | 2.75% | ROA |
ROA - Rate On Application
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
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.
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.
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
14.50% p.a. | No Comparison Rate |
12.20% p.a. | No Comparison Rate |
14.50% p.a. | No Comparison Rate |
