Online Saver account

Online Saver 0.55Interest rate
Interest is calculated daily and paid monthly; based on the daily closing balance at the applicable interest rate. Effective Friday 17 July 2020
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 0.99Interest rate
Total interest (all conditions met) 1.00Interest 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 Friday 25 September 2020
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 0.50Interest rate
Interest is calculated daily and paid monthly; based on the daily closing balance at the applicable interest rate. Effective Wednesday 1 April 2020
Fees
Monthly fee $0
Withdrawal fee (outside free period) $1.50
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 0.99Interest rate
Total interest (all conditions met) 1.00Interest 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 Friday 25 September 2020
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 0.99Interest rate
Total interest (all conditions met) 1.00Interest 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 Friday 25 September 2020
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 2.00Interest rate
Account balance over $5000 1.00Interest 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 Wednesday 1 April 2020
Fees
Monthly fee $0
Transaction fees Fees may apply. Please read our Fees and Charges brochure to learn more.

Fixed Term Deposits

Product Interest at maturity Interest paid monthly
Special 5 month rate $5,000+ 0.90 Interest rate N/A
3-5 month term, balances less than $5,000 0.55 Interest rate 0.50 Interest rate
6-11 month term, balances up to $5,000 0.55 Interest rate 0.45 Interest rate
12 month term, balances less than $5,000 0.55 Interest rate 0.35 Interest rate
3-5 month term, balances $5,000 < $1,000,000 0.80 Interest rate 0.75 Interest rate
6-11 month term, balances $5,000 < $1,000,000 0.80 Interest rate 0.70 Interest rate
12 month term, balances $5,000 < $1,000,000 0.80 Interest rate 0.60 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 31 July 2020
Fees
Monthly fee $0
Early redemption fee Calculated as follows: Principal x (Early Redemption Rate of 0.5%) x (days invested/365)

Retirement Savings account

Super RSA Variable Rate $1 < $10,000 0.15Interest rate
Super RSA Variable Rate $10,000 < $50,000 0.65Interest rate
Super RSA Variable Rate $50,000 + 0.70Interest rate
Super RSA Fixed Term Deposit 6 month rate $10,000 < $50,000 0.90Interest rate
Super RSA Fixed Term Deposit 6 month rate $50,000 + 0.90Interest rate
Super RSA Fixed Term Deposit 6 month rate $10,000 < $50,000 and Super RSA Fixed Term Deposit 6 month rate $50,000 + Effective Thursday 17 September 2020
Rates for variable rate option are calculated on a tiered basis. Interest under the Super RSA variable rate option is calculated on the daily balance and paid annually. Interest under the Super RSA fixed term deposit option is calculated on the daily balance and paid at maturity. Effective Thursday 17 September 2020
Fees
Entry fee $0
Early redemption fee Calculated as follows: Principal x (Early Redemption Rate of 0.50%) x (days invested/ 365)
Exit fee $50 For a withdrawal or transfer from your Super RSA at your request.

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.