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Deposit Rate Schedule

Interest rates are on a per annum basis and are current as at 1 December 2020. Interest rates are subject to change.

Everyday Account

Account Rate
Everyday Account 0%

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Advantage Plus Account - Minimum balance $2,000

Amount Rate
Up to $4,999 0.01% p.a.
$5,000 to $49,999 0.25% p.a.
$50,000 and over 0.75% p.a.

Interest is calculated on daily balances on a stepped basis and paid quarterly.


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eSave Account

Amount Rate
Up to $4,999 0%
$5,000 & over 0.50% p.a.

Interest is calculated on daily balances and paid monthly. The rate applies to the whole balance.


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Bonus Saver Account

Amount Base Rate Bonus Rate
AmountUp to $99,999 Rate0.01% p.a. Bonus Rate1.00% p.a.
Amount$100,000 and over Rate0.01% p.a. Bonus Rate0.50% p.a.

Conditions: Bonus rate interest is paid if deposits totalling at least $100 and no debit transactions are made to the account during the calendar month. Interest is calculated daily on whole balances and paid monthly. Bonus Rate quoted includes Base Rate. Bonus Saver accounts are restricted to maximum 2 per member. Cards cannot be linked to a Bonus Saver account.

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Term deposits

Invest as little as $1,000. For the rates shown below, interest is paid at maturity or annually if terms exceeds 12 months. Different rates apply for interest paid monthly. Rates for monthly interest and deposits over $1 million are available on request. 

Term Rate
1 month 0.10% p.a.
2 month 0.30% p.a.
3 month 0.70% p.a.
4 month 0.60% p.a.
5 month 0.60% p.a.
6 month 0.70% p.a.
7 month 0.65% p.a.
8 month 0.65% p.a.
9 month 0.70% p.a.
10 month 0.65% p.a.
11 month 0.65% p.a.
1 year 0.70% p.a.
2 year 0.65% p.a.
3 year 0.65% p.a.
4 year 0.65% p.a.
5 year 0.65% p.a.
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View full deposit rate schedule and fees and charges schedule

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