Savings account rates

Online Saver account

Online Saver	2.90Interest rate
Interest is calculated daily and paid monthly; based on the daily closing balance at the applicable interest rate. Effective Thursday 23 November 2023

Fees
Monthly fee	$0
Transaction fees	Fees may apply. Please read our Fees and Charges brochure to learn more.

Bonus Saver account

Base interest rate	0.15Interest rate
Bonus interest rate	4.25Interest rate
Total interest (all conditions met)	4.40Interest rate
To achieve the bonus rate of interest you must deposit at least $20 in a calendar month and make no withdrawals in the same calendar month. Interest is calculated on the minimum daily balance and paid monthly. Effective Thursday 23 November 2023

Fees
Monthly fee	$0
Transaction fees	Fees may apply. Please read our Fees and Charges brochure to learn more.

Christmas Club account

Christmas Club account	2.60Interest rate
Interest is calculated daily and paid monthly; based on the daily closing balance at the applicable interest rate. Effective Thursday 23 November 2023

Fees
Monthly fee	$0
Transaction fees	Fees may apply. Please read our Fees and Charges brochure to learn more.

Student Money Saver account

Base interest rate	0.15Interest rate
Bonus interest rate	4.25Interest rate
Total interest (all conditions met)	4.40Interest rate
To achieve the bonus rate of interest you must deposit at least $5 in a calendar month and make no more than one withdrawal in the same month. Interest is calculated daily and paid monthly; based on the daily closing balance at the applicable interest rate. Effective Thursday 23 November 2023

Fees
Monthly fee	$0
Transaction fees	Fees may apply. Please read our Fees and Charges brochure to learn more.

Future Start account

Base interest rate	0.15Interest rate
Bonus interest rate	4.25Interest rate
Total interest (all conditions met)	4.40Interest rate
To achieve the bonus rate of interest you must deposit at least $5 in a calendar month and make no more than one withdrawal in the same month. Interest is calculated daily and paid monthly; based on the daily closing balance at the applicable interest rate. Effective Thursday 23 November 2023

Fees
Monthly fee	$0
Transaction fees	Fees may apply. Please read our Fees and Charges brochure to learn more.

Star Saver account

Account balance $1 - $5000	4.00Interest rate
Account balance over $5000	3.00Interest rate
Interest is calculated on the minimum daily balance on a stepped basis with a different interest rate paid for portions of your account balance that fall within set dollar ranges ‘steps’). Interest is paid monthly. Effective Thursday 23 November 2023

Fees
Monthly fee	$0
Transaction fees	Fees may apply. Please read our Fees and Charges brochure to learn more.

Fixed Term Deposits (Interest paid at maturity and monthly)

Product	Interest at maturity	Interest paid monthly
Special 7 month rate $5,000+	4.30 Interest rate	N/A
3-5 month term, balances less than $5,000	3.50 Interest rate	3.50 Interest rate
6-11 month term, balances less than $5,000	4.00 Interest rate	4.00 Interest rate
12 month term, balances less than $5,000	4.85 Interest rate	4.85 Interest rate
3-5 month term, balances $5,000 < $1,000,000	3.50 Interest rate	3.50 Interest rate
6-11 month term, balances $5,000 < $1,000,000	4.00 Interest rate	4.00 Interest rate
12 month term, balances $5,000 < $1,000,000	4.85 Interest rate	4.85 Interest rate
2 year term, balances less than $5,000	4.20 Interest rate	4.20 Interest rate
2 year term, balance $5,000 < $1,000,000	4.20 Interest rate	4.20 Interest rate
3 year term, balances less than $5,000	4.00 Interest rate	4.00 Interest rate
3 year term, balance $5,000 < $1,000,000	4.00 Interest rate	4.00 Interest rate
All interest rates quoted are per annum and are calculated on a tiered basis with interest paid on the entire balance at the applicable tiered interest rate. Effective Thursday 28 September 2023

Fees
Monthly fee	$0
Early redemption fee	Calculated as follows: Principal x (Early Redemption Rate of 0.5%) x (days invested/365)

Fixed Term Deposits (Interest paid annually)

Product	2 year term	3 year term
$1,000 < $5,000	4.20 Interest rate	4.00 Interest rate
$5,000 < $20,000	4.20 Interest rate	4.00 Interest rate
$20,000 < $50,000	4.20 Interest rate	4.00 Interest rate
$50,000 < $1,000,000	4.20 Interest rate	4.00 Interest rate
All interest rates quoted are per annum and are calculated on a tiered basis with interest paid on the entire balance at the applicable tiered interest rate. Effective Tuesday 14 March 2023

Fees
Monthly fee	$0
Early redemption fee	Calculated as follows: Principal x (Early Redemption Rate of 0.5%) x (days invested/365)