BSB 704-191

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Interest Rates

View our interest rates for our Transaction, Savings, and Term Deposit Accounts including School and Preschool Accounts.

Transaction and Savings Accounts

Term Deposits

School Accounts and Term Deposits

Preschool Accounts and Term Deposits

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Terms and Conditions

Important Information

Everyday Account (S1)

	Interest rate (p.a.)
$0 - $14,999	0.00%
$15,000 - $29,999	0.00%
$30,000 and over	0.00%

Budget Account (S2) – product no longer available for new accounts

	Interest rate (p.a.)
$0 - $14,999	0.05%
$15,000 - $29,999	0.05%
$30,000 and over	0.05%

Pension Account (S9)

	Interest rate (p.a.)
For part of the balance $0 - $48,599	2.65%
For part of the balance $48,600 - $149,999	2.65%
For part of the balance $150,000 and over	2.65%

First Access Account (S18)

	Interest rate (p.a.)
All amounts	1.45%

Online Saver (S99)

	Interest rate (p.a.)
$0 - $1,999	0.05%
$2,000 - $149,999	3.05%
$150,000 and over	3.05%

Bonus Saver (S98)

	Interest rate (p.a.)
$0 - $149,999¹	3.80%
$150,000 and over¹	3.80%
Base rate	0.05%

First Home Bonus Saver (S21)

	Interest rate (p.a.)
Bonus interest⁶	3.85%
Base rate	0.05%

First Saver (S19)

	Interest rate (p.a.)
$1 and over³	3.55%

Christmas Club (S3)

	Interest rate (p.a.)
All amounts	2.60%

Cash Management (S10) – product no longer available for new accounts

	Interest rate (p.a.)
$0 - $4,999	0.05%
$5,000 - $19,999	0.05%
$20,000 - $49,999	0.05%
$50,000 - $99,999	1.10%
$100,000 and over	1.10%

Term Deposits

Interest calculated daily^1,2

	$500 and over
30 days (I18) – product no longer available for new accounts	0.75%
60 days (I17) – product no longer available for new accounts	1.00%
90 days (I16)	4.00%
120 days (I7)	4.00%
180 days (I15)	4.15%
270 days (I1)	4.15%

Interest First Term Deposit

Interest calculated daily^1,2

	$500 and over
150 days (I55) – product no longer available for new accounts	2.95%

Term Deposits

Interest calculated daily^1,2

	$500 and over
1 year (I12)	4.20%
2 years (I24)	3.50%
3 years (I36)	3.50%
4 years (I48)	3.50%
5 years (I60)	3.50%

Regular Income Term Deposit

Interest calculated daily^1,2

	$5,000 and over
1 year (I3)	4.10%

Day to Day Account (S41)

	Interest rate (p.a.)
$0 - $14,999	0.05%
$15,000 - $29,999	0.05%
$30,000 and over	0.05%

Fundraising Account (S43)

	Interest rate (p.a.)
$1 and over	3.40%

Petty Cash Account (S44)

	Interest rate (p.a.)
$1 and over	0.05%

Long Service and Sick Leave Provisions Account (S47)

	Interest rate (p.a.)
$1 and over³	3.55%

30-90 Days (I41)

	Interest rate (p.a.)
$5,000 and over	4.00%

120-180 Days (I43)

	Interest rate (p.a.)
$5,000 and over	4.15%

Long Service and Sick Leave Term Deposit (I40)

Interest tier is determined on the whole of balance

	Interest rate (p.a.)
$500 and over	4.20%