Online Saver account
| Online Saver | 2.50Interest rate |
Interest is calculated daily and paid monthly; based on the daily closing balance at the applicable interest rate. Effective Thursday 18 May 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 | 3.60Interest rate |
| Total interest (all conditions met) | 3.75Interest 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 18 May 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 | 2.20Interest rate |
Interest is calculated daily and paid monthly; based on the daily closing balance at the applicable interest rate. Effective Thursday 18 May 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 | 3.60Interest rate |
| Total interest (all conditions met) | 3.75Interest 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 18 May 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 | 3.60Interest rate |
| Total interest (all conditions met) | 3.75Interest 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 18 May 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 | 3.60Interest rate |
| Account balance over $5000 | 2.60Interest 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 18 May 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 9 month rate $5,000+ | 4.20 Interest rate | N/A |
| 3-5 month term, balances less than $5,000 | 3.30 Interest rate | 3.30 Interest rate |
| 6-11 month term, balances less than $5,000 | 3.60 Interest rate | 3.60 Interest rate |
| 12 month term, balances less than $5,000 | 4.20 Interest rate | 4.20 Interest rate |
| 3-5 month term, balances $5,000 < $1,000,000 | 3.30 Interest rate | 3.30 Interest rate |
| 6-11 month term, balances $5,000 < $1,000,000 | 3.60 Interest rate | 3.60 Interest rate |
| 12 month term, balances $5,000 < $1,000,000 | 4.20 Interest rate | 4.20 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 Wednesday 12 April 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) |
The fine print
All interest rates quoted are per annum. Fees and charges are payable. Download our Fees and Charges brochure for full details. Normal lending criteria, terms and conditions apply and are available on request.