Interest Rates

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

Transaction and Savings Accounts

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%

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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.)
$0 - $1,999
3.65%
$2,000 and over
3.65%
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%

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

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

	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%

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

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

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

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

	Interest rate (p.a.)
$0 - $1,999	3.65%
$2,000 and over	3.65%

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

	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

Under 1 Year

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)	4.05%
270 days (I1)	3.95%

Interest First Term Deposit

Interest calculated daily^1,2

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

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Term Deposits
Interest calculated daily^1,2

$500 and over
1 year (I12)
4.05%
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)
3.95%

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	$500 and over
1 year (I12)	4.05%
2 years (I24)	3.50%
3 years (I36)	3.50%
4 years (I48)	3.50%
5 years (I60)	3.50%

	$5,000 and over
1 year (I3)	3.95%

School Accounts and Term Deposits

Everyday School Account (S55)

Interest rate (p.a.)
$0 - $4,999
0.05%
$5,000 and over
2.40%

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School Term Deposits
Interest calculated daily²

$5,000 and over
30 - 90 days (I4)
4.00%
120 - 180 days (I5)
4.05%

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	Interest rate (p.a.)
$0 - $4,999	0.05%
$5,000 and over	2.40%

	$5,000 and over
30 - 90 days (I4)	4.00%
120 - 180 days (I5)	4.05%

Preschool Accounts and Term Deposits

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%

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Preschool Savings Account (S46)

Interest rate (p.a.)
$0 - $4,999
0.05%
$5,000 and over
3.55%

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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
4.05%
Long Service and Sick Leave Term Deposit (I40)
Interest tier is determined on the whole of balance

Interest rate (p.a.)
$500 and over
4.05%

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Interest Rates

Transaction and Savings Accounts

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

Christmas Club (S3)

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

Term Deposits

Term Deposits

Interest First Term Deposit

Term Deposits

Regular Income Term Deposit

School Accounts and Term Deposits

Preschool Accounts and Term Deposits

30-90 Days (I41)

120-180 Days (I43)

Long Service and Sick Leave Term Deposit (I40)

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

Christmas Club (S3)

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

Term Deposits

Interest First Term Deposit

Term Deposits

Regular Income Term Deposit

30-90 Days (I41)

120-180 Days (I43)

Long Service and Sick Leave Term Deposit (I40)