Rates & Fees

Interest Rates

Rates are effective as at 11 March 2010

Home Loans

  Interest Rate Comparison Rate1
Standard Variable Loan 6.82% p.a. 6.87% p.a
Introductory Rate 1% below standard variable for first year * n/a
Fixed Rate Loan: 1 Year 6.59% p.a.2 6.84% p.a
Fixed Rate Loan: 2 Years 7.29% p.a2 6.96% p.a
Fixed Rate Loan: 3 Years Negotiated  
Fixed Rate Loan: 5 Years Negotiated  
Mortgage Breaker (no longer available) 6.82% p.a. variable  
Easy Access Loan 6.82% p.a. variable  

* rate will revert to standard variable after 12 months

Personal & Car Loans

  Interest Rate Comparison Rate3
Fully Secured (Variable) 8.95% p.a. 9.23% p.a.
Partially Secured (Variable) 12.50% p.a. 12.80% p.a.
Unsecured (Variable) 14.20 % p.a. 15.60% p.a.

 

Visa Cards & Overdrafts

  Interest Rate
Introductory Visa Credit Card Rate 6.99% p.a.4
Visa Credit S40 (up to 44 days interest free) 10.99% p.a. variable
Visa Debit S73 (with overdraft facility) 14.20% p.a. variable
Visa Debit S755 (1st mortgage secured) 7.82% p.a. variable
Unsecured Overdraft 16.00% p.a. variable
Secured Overdraft 11.25% p.a. variable
Overlimit Penalty +2% p.a. in addition to the standard rate.

 

Term Deposits

SPECIAL 5.30% p.a. 4 months Interest paid on maturity Minimum $10,000
SPECIAL 6.00% p.a. 12 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 2.20% p.a. 3.00% p.a. 3.00% p.a. 3.00% p.a.
24 months to less than 36 months 2.20% p.a 3.00% p.a. 3.00% p.a. 3.00% p.a.
12 months to less than 24 months 2.20% p.a 2.50% p.a. 2.50% p.a. 2.50% p.a.
9 months to less than 12 months 2.20% p.a 2.50% p.a. 2.50% p.a. 2.50% p.a.
6 months to less than 9 months 2.20% p.a 2.50% p.a. 2.50% p.a. 2.50% p.a.
3 months to less than 6 months 2.20% p.a 2.50% p.a. 2.50% p.a. 2.50% p.a.
Less than 3 months 2.20% p.a 2.20% p.a. 2.30% p.a. 2.40% p.a.

 

Interest Paid Six Monthly (I39) : Minimum investment - $5,000
Term $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.
24 months to less than 36 months 3.00% p.a. 3.00% p.a. 3.00% p.a.
12 months to less than 24 months 2.50% p.a. 2.50% p.a. 2.50% p.a.
9 months to less than 12 months 2.50% p.a. 2.50% p.a. 2.50% p.a.
6 months to less than 9 months 2.50% p.a. 2.50% p.a. 2.50% p.a.

 

Interest Paid Monthly (I37) : Minimum investment - $5,000
Term $5,000 to $24,999 $25,000 to $49,999 $50,000 to $100,000
24 months to less than 36 months 3.00% p.a. 3.00% p.a. 3.00% p.a.
12 months to less than 24 months 2.50% p.a. 2.50% p.a. 2.50% p.a.
9 months to less than 12 months 2.50% p.a. 2.50% p.a. 2.50% p.a.
6 months to less than 9 months 2.50% p.a. 2.50% p.a. 2.50% p.a.

 

Club Classic Members (incorp. Edvest) - Interest Paid Monthly (I10)
Minimum Investment - $5,000
Term $5,000 to $24,999 $25,000 to $49,999 $50,000 to $100,000
24 months to less than 36 months 3.10% p.a. 3.10% p.a. 3.10% p.a.
12 months to less than 24 months 2.60% p.a. 2.60% p.a. 2.60% p.a.
9 months to less than 12 months 2.60% p.a. 2.60% p.a. 2.60% p.a.
6 months to less than 9 months 2.60% p.a. 2.60% p.a. 2.60% p.a.

 

Savings Accounts

Account Amount Interest Rate
Rediaccess/Cheque Account (S5)6 $0 - $4,999 0.00% p.a.
  Above $5,000 0.10% p.a.
Biz eAccess Savings (S31)6 $0 - $9,999 0.00% p.a.
  $10,000 4.00% p.a.
eAccess Account (S30) All 4.00% p.a.
Budget Account (S1) All 0.10% p.a.
Christmas Savings Account (S7) All 1.50% p.a.
Rego and Insurance Account (S12) All 0.10% p.a.
Amount Investment Plus (S8)6 Redifund1
(S10)6		 B.E.S.T. Money Market (S16)6 GST
Acccount
(S33)6
$0 - $ 4,999 0.10% p.a 0.10% p.a 0.00% p.a. 0.50% p.a.
$5,000 -$19,999 0.25% p.a. 0.15% p.a. 0.50% p.a. 1.00% p.a.
$20,000 - $49,999 0.55% p.a. 0.20% p.a. 1.80% p.a. 1.25% p.a.
$50,000 - $99,999 0.75% p.a. 0.20% p.a. 2.00% p.a. 1.55% p.a.
Above $100,000 0.75% p.a. 0.20% p.a. 2.50% p.a. 2.50% p.a.
Pensioner Account (S36 or S38)
Amount Single Pension (S36)6 Couple Pension (S38)6
$0 - $42,000 2.00% p.a.  
Above $42,000 3.00% p.a.  
$0 - $70,000   2.00% p.a.
Above $70,000   3.00% p.a.

1 No longer available

Please note: 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 period of 25 years.

2 At the end of this period rate will revert to the standard variable interest rate applicable at that time.

3 Comparison rate based on a $30,000 loan over a period of 5 years.

4 Introductory rate Visa credit card is for six months after which the interest rate reverts to the standard variable interest rate.

5 Interest rate 1% above the owner occupied standard.

6 Interest paid on portion of balance within the tier.

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