Online Saver account

Online Saver 1.75Interest rate
Interest is calculated daily and paid monthly; based on the daily closing balance at the applicable interest rate. Effective Thursday 17 November 2022
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 0.01Interest rate
Bonus interest rate 2.39Interest rate
Total interest (all conditions met) 2.40Interest 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 17 November 2022
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 1.45Interest rate
Interest is calculated daily and paid monthly; based on the daily closing balance at the applicable interest rate. Effective Thursday 17 November 2022
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 0.01Interest rate
Bonus interest rate 2.39Interest rate
Total interest (all conditions met) 2.40Interest 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 17 November 2022
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 0.01Interest rate
Bonus interest rate 2.39Interest rate
Total interest (all conditions met) 2.40Interest 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 17 November 2022
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 2.85Interest rate
Account balance over $5000 1.85Interest 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 17 November 2022
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+ 3.30 Interest rate N/A
3-5 month term, balances less than $5,000 2.25 Interest rate 2.25 Interest rate
6-11 month term, balances less than $5,000 2.75 Interest rate 2.75 Interest rate
12 month term, balances less than $5,000 3.90 Interest rate 3.90 Interest rate
3-5 month term, balances $5,000 < $1,000,000 2.25 Interest rate 2.25 Interest rate
6-11 month term, balances $5,000 < $1,000,000 2.75 Interest rate 2.75 Interest rate
12 month term, balances $5,000 < $1,000,000 3.90 Interest rate 3.90 Interest rate
2 year term, balances less than $5,000 4.00 Interest rate 4.00 Interest rate
2 year term, balance $5,000 < $1,000,000 4.00 Interest rate 4.00 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 17 November 2022
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 4.00 Interest rate 4.00 Interest rate
$5,000 < $20,000 4.00 Interest rate 4.00 Interest rate
$20,000 < $50,000 4.00 Interest rate 4.00 Interest rate
$50,000 < $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 Friday 28 October 2022
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.