BSB: 806-015Rates & Fees
We offer competitive rates on a wide range of products, click the link below to find our rates and applicable fees & charges:
- Home Loans - Interest Rates
- Home Loans - Fees & Charges
- Credit Cards - Interest Rates
- Credit Cards - Fees & Charges
- Personal & Car Loans - Interest Rates
- Personal & Car Loans - Fees & Charges
- Everyday Transaction Accounts - Interest Rates
- Everyday Transaction Accounts - Fees & Charges
- Savings & Investment Accounts - Interest Rates
- Savings & Investment Account - Fees & Charges
- Term Deposits - Interest Rates
Home Loans - Interest Rates
| Home Loan Interest Rates (Effective Date: 23 December 2011) | ||
| Home Loan | Annual Percentage Rate (%pa) | Comparison Rate (%pa) |
| Dream Home Loan ongoing low variable interest rate | 6.49%pa | 6.60%pa |
| Easypay Home Loan low variable rate | 6.78%pa | 6.89%pa |
| Easypay Home Loan Standard Rate | 7.04%pa | 7.14%pa |
|
Easypay Plus Home Loan $150,000 - $499,999 (LVR 75% or less) - 0.65%pa discount $500,000 + - 0.60%pa discount $500,000 + (LVR 75% or less) - 0.75%pa discount Discount is off the Easypay Home Loan Standard Rate |
6.39%pa
6.44%pa 6.29%pa |
6.69%pa
6.73%pa 6.58%pa |
| Lifestyle Home Loan discounted introductory rate for first 12 months reverting to the standard variable rate | 6.35%pa | 6.88%pa |
| Lifestyle Home Loan standard variable rate | 6.84%pa | 6.93%pa |
|
Fixed Rate Home Loan 3 Year 5 Year |
5.95%pa 6.50%pa |
6.63%pa 6.78%pa |
| Equity Access Standard Rate | 7.34%pa | n/a |
|
Easypay Plus Equity Access $500,000 + - 0.60%pa discount Discount is off the Equity Access Standard Rate |
6.74%pa |
n/a |
| Bridging Loan | 7.45%pa | 7.55%pa |
| Easy Living Access Loan reverse mortgage |
7.81%pa | 7.94%pa |
| Business Loan | 6.84%pa | n/a |
The comparison rate for Police & Nurses home loans for properties in the metropolitan area is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These comparison rates are accurate only for the examples given, when monthly repayments are made. Different amounts and different terms will result in different comparison rates. Other factors such as redraw fees or early repayment fees, and costs such a fee waivers, are not included in the comparison rate but may influence the final cost of the loan. All home loans are secured by first mortgage over property. Download the Home Loan Comparison Rate Schedule or the Easypay Plus Home Loan Comparison Rate Schedule.
Home Loans - Fees & Charges
Credit Cards - Interest Rates
| Credit Card Interest Rates (Effective Date: 15 November 2011) | |
| Easypay VISA Credit Card/Easypay Plus VISA Credit Card | 11.99%pa |
Credit Cards - Fees & Charges
Personal & Car Loans - Interest Rates
|
Personal & Car Loan Interest Rates (Effective Date: 20 December 2011) | ||
| Loan Product | Annual Percentage Rate (%pa) | Comparison Rate (%pa) |
|
Easypay Car Loan - secured |
9.75%pa |
10.44%pa |
|
Easypay Car Loan - unsecured |
13.75%pa |
14.41%pa |
|
Easypay Plus Car Loan - secured |
9.25%pa |
9.25%pa |
|
Easypay Personal Loan - secured |
9.75%pa |
10.44%pa |
|
Easypay Personal Loan - unsecured |
13.75%pa |
14.41%pa |
|
Easypay Plus Personal Loan - secured |
9.25%pa |
9.25%pa |
The comparison rate for Police & Nurses personal loans and car loans is calculated on a loan amount of $15,000 over a term of 4 years based on monthly repayments. These comparison rates are accurate only for the examples given, when monthly repayments are made. Different amounts and different terms will result in different comparison rates. Other factors such as redraw fees or early repayment fees, and costs such a fee waivers, are not included in the comparison rate but may influence the final cost of the loan. Download the Personal Loan Comparison Rate Schedule or the Easypay Plus Personal Loan Comparison Rate Schedule.
Personal & Car Loans - Fees & Charges
Everyday Transaction Account - Interest Rates
|
Everyday Transaction Account Interest Rates (Effective Date: 1 January 2012) | ||||
| Transaction Account | Tier | Interest Rates | Interest Calculated | Interest Credited |
| Easypay Access Account/Easypay Plus Access Account |
$100,000+ $0 - $99,999 |
0.30%pa 0.05%pa |
Daily balance | Quarterly - Mar, Jun, Sept, Dec. Last day of month |
| Student Account |
$100,000+ $0 - $99,999 |
0.30%pa 0.05%pa |
Daily balance | Quarterly - Mar, Jun, Sept, Dec. Last day of month |
| Budgeting Account |
$100,000+ $0 - $99,999 |
0.30%pa 0.05%pa |
Minimum monthly balance | Last day of every month |
| Easypay Mortgage Breaker Account | 100% of deposit offset against the balance of the mortgage^ | N/A | Daily balance | N/A |
| Mortgage Breaker Offset Account/Easypay Plus Mortgage Breaker Account | 100% of deposit offset against the balance of the mortgage | N/A | Daily balance | N/A |
| Easy Living Savings Account |
$100,000+ $0 - $99,999 |
0.30%pa 0.05%pa |
Daily balance | Quarterly - Mar, Jun, Sept, Dec. Last day of month |
| Easy Living Deeming Account |
$42,000+ $0 - $42,000 |
4.50%pa 3.00%pa |
Daily balance | Quarterly - Mar, Jun, Sept, Dec. Last day of month |
| Business Account |
$100,000+ $0 - $99,999 |
0.30%pa 0.05%pa |
Minimum monthly balance | Last day of every month |
| FairSaver Account (accounts no longer opened) |
$0+ |
2.00%pa | Daily balance | Last day of every month |
^100% offset benefit (available to owner occupiers only) is against the Easypay Home Loan and only applies when a minimum of $500 of your pay is electronically deposited per calendar month.
Where any transaction account is overdrawn, interest will be charged on the overdrawn balance and will be calculated daily at 16.94% pa and charged to the account in accordance with the dates detailed above. All rates are effective at the dates listed above and are subject to change without notice.
Everyday Transaction Account - Fees & Charges
Savings & Investment Accounts - Interest Rates
|
Savings & Investment Account Rates (Effective Date: 1 February 2012) | ||||
| Savings Account | Tier | Interest Rates | Interest Calculated | Interest Credited |
| CashSaver Account |
$5,000 + $0 - $4,999 |
4.50%pa 0.00%pa |
Daily balance | Last day of every month |
| SwiftSaver Account |
$0 + Bonus Interest Rate |
0.25%pa 2.75%pa |
Daily balance | Last day of every month |
| Way Cool Saver |
$0 - $4,999 $5,000 + |
4.50%pa 0.00%pa |
Daily balance | Last day of every month |
Where any savings account is overdrawn, interest will be charged on the overdrawn balance, and will be calculated daily at 16.94% pa and charged to the account in accordance with the dates detailed above. All rates are effective at the dates listed above and are subject to change without notice.
Savings & Investment Accounts - Fees & Charges
Term Deposits - Interest Rates
| Term Deposit Special (Effective Date: 27 January 2012) | |
| Term | $25,000+ |
| 3 months | 5.80%pa |
| Term Deposit Special (Effective Date: 7 October 2011) | |
| Term | $25,000+ |
| 36 to 60 months | 5.50%pa |
Interest on maturity, rate fixed for term of deposit. For amounts under $25,000 please refer Money Maker or Regular Income Term Deposits below.
| Money Maker Term Deposit Interest Rates (Effective Date: 27 January 2012) | ||
| Term | $5,000 - $24,999 | $25,000+ |
|
2 months |
N/A |
5.00%pa |
|
3 months |
5.05%pa |
5.80%pa |
|
4 months |
4.75%pa |
5.50%pa |
|
5 months |
3.25%pa |
4.00%pa |
|
6 months |
4.85%pa |
5.60%pa |
|
7 months |
4.25%pa |
5.00%pa |
|
8 months |
4.25%pa |
5.00%pa |
|
9 months |
4.50%pa |
5.25%pa |
|
10 months |
4.25%pa |
5.00%pa |
|
11 months |
4.25%pa |
5.00%pa |
|
12 to 23 months |
5.30%pa |
5.30%pa |
|
24 to 35 months |
4.85%pa |
5.30%pa |
|
36 to 47 months |
5.05%pa |
5.50%pa |
|
48 to 60 months |
5.05%pa |
5.50%pa |
Interest on maturity, rate fixed for term of deposit. Member to determine term of deposit. For amounts under $5,000 please refer to the SwiftSaver or FairSaver Account above.
| Regular Income Term Deposit Interest Rates (Effective Date: 2 December 2011) | |||
| Term | $5,000 - $24,999 | $25,000+ | Interest paid |
|
12 to 35 months |
4.70%pa |
5.15%pa |
Monthly |
|
12 to 35 months |
4.75%pa |
5.20%pa |
Quarterly |
|
12 to 35 months |
4.85%pa |
5.30%pa |
Annually |
|
36 to 47 months |
4.90%pa |
5.35%pa |
Monthly |
|
36 to 47 months |
4.95%pa |
5.40%pa |
Quarterly |
|
36 to 47 months |
5.05%pa |
5.50%pa |
Annually |
|
48 to 60 months |
4.90%pa |
5.35%pa |
Monthly |
|
48 to 60 months |
4.95%pa |
5.40%pa |
Quarterly |
|
48 to 60 months |
5.05%pa |
5.50%pa |
Annually |
Interest credited to savings or paid by cheque. Rate fixed for term of deposit.
All term deposits: Interest will only be paid on funds invested for a minimum of 30 days. In the event of early termination of the term deposit, interest will be calculated at the current interest rate tier applicable to the FairSaver Account. If any interest has been paid prior to early redemption of a term deposit, any shortfall arising from the recalculation of interest in accordance with the previous paragraph will be deducted from the principal amount.
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