Rates & Fees

Interest Rates

Rates are effective as at 16 December 2011

Home Loans

  Interest Rate Comparison Rate1 Comparison Rate2
Standard Variable Loan 7.27% p.a. 7.41% p.a 7.33% p.a.
Quick Start Variable Loan 6.42% p.a. 6.56% p.a. 6.48% p.a.
Fixed Rate Loan: 1 Year 6.39% p.a.3 7.31% p.a. 7.25% p.a.
Fixed Rate Loan: 2 Years 6.39% p.a.3 7.22% p.a. 7.17% p.a.
Fixed Rate Loan: 3 Years 6.59% p.a.3 6.72% p.a. 7.15% p.a.
Fixed Rate Loan: 5 Years Negotiated    
Mortgage Breaker (no longer available) 7.07% p.a. variable    
Easy Access Loan 7.27% p.a. variable    

* rate will revert to standard variable after 12 months

Personal & Car Loans

  Interest Rate Comparison Rate 4 Comparison Rate 5
Fully Secured (Variable) 9.20% p.a. 12.24% p.a. 10.03% p.a.
Partially Secured (Variable) 12.75% p.a. 15.77% p.a. 13.56% p.a.
Unsecured (Variable) 14.45% p.a. 17.47% p.a. 15.26% p.a.
Extraordinary Car Loan 8.20% p.a. a 11.28% p.a. 9.20% p.a.

aRate applicable to PersonalSMART Package holders only and is availble for vehicles up to 12 months old.

Warning: The comparison rate applies only to the 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.

Visa Cards & Overdrafts

  Interest Rate
Introductory Visa Credit Card Rate 6.99% p.a.
Visa Credit S40 (up to 44 days interest free) 12.50% p.a. variable
Visa Debit S73 (with overdraft facility) 14.45% p.a. variable
Visa Debit S757 (1st mortgage secured) 8.27% p.a. variable
Unsecured Overdraft 16.00% p.a. variable
Secured Overdraft 11.25% p.a. variable
Overlimit Penalty +% p.a. in addition to the standard rate.

Business Loans

Business Loans Business Reference Rate One Year Fixed Two Year Fixed
Annual Percentage Rate (p.a.) 8.27%* 7.49%*# 7.29%*#

*Customer margin may apply (subject to approval).
#On completion of fixed rate period, Business Reference Rate applies.

Term Deposits

SPECIAL 5.15% p.a. 4 months Interest paid on maturity Minimum $10,000
Interest Paid on Maturity (I22) $1,000 to $4,999 $5,000 to $24,999 $25,000 to $49,999 $50,000 to $100,000
36 months to less than 48 months 3.00% p.a. 3.00% p.a. 3.00% p.a. 3.00% p.a.
24 months to less than 36 months 3.00% p.a. 3.00% p.a. 3.00% p.a. 3.00% p.a.
12 months to less than 24 months 3.00% p.a. 3.00% p.a. 3.00% p.a. 3.00% p.a.
9 months to less than 12 months 3.00% p.a. 3.00% p.a. 3.00% p.a. 3.00% p.a.
6 months to less than 9 months 3.00% p.a. 3.00% p.a. 3.00% p.a. 3.00% p.a.
3 months to less than 6 months 3.00% p.a. 3.00% p.a. 3.00% p.a. 3.00% p.a.
Less than 3 months 3.00% p.a. 3.00% p.a. 3.00% p.a. 3.00% p.a.

Basic Transaction & Savings Accounts

Account Amount Interest Rate

Rediaccess/Cheque Account (S5) 8 & 9

 $0 - $4,999 0.00% p.a
  Above $5,000 0.10% p.a
FLEX Account All 0.00% p.a

Biz eAccess Savings (S31) 8 & 10

 All 4.40% p.a

eAccess Account (S30) 10

 All 4.40% p.a

Budget Account (S1) 9

 All 0.25% p.a

Christmas Savings Account (S7)12

 All 1.50% p.a
BONUS eAccess Savings (S28) All 4.65% p.a
BONUS Biz eAccess Savings (S29) All 4.65% p.a
Amount

Investment Plus
(S8)8 & 10

B.E.S.T. Money Market (S16)8 & 11 GST
Acccount
(S33)8 & 11
$0 - $ 4,999 0.10% p.a 0.00% p.a 0.50% p.a
$5,000 -$19,999 0.25% p.a 0.50% p.a 1.00% p.a
$20,000 - $49,999 0.55% p.a 1.80% p.a 1.25% p.a
$50,000 - $99,999 0.75% p.a 2.00% p.a 1.55% p.a
Above $100,000 0.75% p.a 2.50% p.a 2.50% p.a
Pensioner Account (S36 or S38) 8 & 10
Amount Single Pension (S36) Couple Pension (S38)
$0 - $44,600 3.00% p.a  
Above $44,600 4.50% p.a  
$0 - $74,400   3.00% p.a
Above $74,400   4.50% p.a
Bonus Saver Accounts (S25 or S26)10

Account

Amount

Interest Rate

Bonus Saver (S25)

 

All balances

Bonus interest

0.10% p.a.

4.55% p.a.*
  • To receive the bonus interest each month, all you need to do is deposit a minimum of $50 each calendar month, and make no withdrawals or debit transfers.

Junior Bonus Saver (S26)

 

All balances

Bonus interest

0.10% p.a.

4.55% p.a.*
  • To receive the bonus interest each month, all you need to do is deposit a minimum of $10 each calendar month, and make no withdrawals or debit transfers.

Please note: Rates are subject to change without notice. Fees and charges apply. Terms and conditions are available on application.

More Information

Questions?

If you have any questions, please contact us.

1 Comparison rate based on a $150,000 loan over a 25 year term.
2 Comparison rate based on a $300,000 loan over a 30 year term.
3 At the end of this period rate will revert to the standard variable interest rate applicable at that time.
4 Fully secured, Partially secured and Unsecured Personal loan comparison rates based on a $10,000 loan over a 3 a year term.
5 Fully secured, Partially secured and Unsecured Personal loan comparison rate based on a $30,000 loan over a 5 year term.
6 Introductory rate Visa credit card is for six months after which the interest rate reverts to the standard Visa Credit variable interest rate.
7 Interest rate 1% above the owner occupied standard.
8 Interest paid on portion of balance within the tier.
9 Interest calculated daily on the closing balance and credited June 30.
10 Interest calculated daily on the closing balance and credited monthly.
11 Interest calculated daily on the closing balance and credited March, June, September and December.
12 Interest calculated daily on the closing balance and credited October 31.

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