Find the best Home Loan for you
The calculator below helps you determine the interest rate and loan repayment based on your loan amount and product selection. Please speak to an accredited Regional Australia Bank lender to ensure the product you select aligns with your financial goals. The calculator is intended as a guide to help you better understand your options.
Growing Together to Serve Regional Australia
Strengthening our communities, building a stronger future for our members.
At Regional Australia Bank we live and breathe that regional Australia spirit. We want to play an active and influential role in our communities, and empower the people and businesses of regional Australia to achieve great things. Our purpose is to build strong regional communities through the power of money.
Growing stronger, together
Regional Australia Bank and Summerland Bank have come together to form a stronger customer-owned bank. Discover what this means for our members, our communities and the future ahead.
A History of Growth Through Partnership
-
New England Staff Credit Union
-
Merger with Peel Valley Credit Union
-
Merger with Orana Credit Union
-
Merger with Hunter Mutual
-
Merger with Holiday Coast Credit Union
-
Merger with Macquarie Credit Union
-
Merger with Summerland Bank
-
Proposed merger with SWSbank
Proposed
Why These Mergers Matter
At Regional Australia Bank, growth is about strengthening communities, not just expanding balance sheets.
The merger with Summerland Bank and the MOU with SWSbank are part of a long-term strategy to ensure regional Australians continue to have access to local, trusted banking.
These steps will:
- Protect local branches and face-to-face services in regional towns.
- Provide more products, services, and digital options for members.
- Strengthen financial sustainability, allowing investment in technology, security, and innovation.
- Reinforce member-owned values, keeping the bank committed to the communities it serves.
Shared Strength, Shared Success
By combining forces with banks that share our values, we are creating a stronger, more resilient, and future-ready bank — for members today and generations to come.
- Your account numbers, digital access, and branch services stay the same.
- There are no planned branch closures as a result of these changes.
- Our focus remains on local service, personalised support, and community empowerment.
- We will keep members fully informed at every stage.
Merger Updates Snapshot
| Summerland Merger | SWSbank MOU | Member Experience |
|---|---|---|
| Approved by members | Intent to explore merger | No immediate changes |
| Takes effect 1 July 2026 | Subject to due diligence & approvals | Accounts and services stay the same |
| ~130,000 members 10 new branches |
~145,000 members 4 new branches |
Local branches + digital services |
FAQs
What is happening on 1 July?
From 1 July, Regional Australia Bank and Summerland Bank officially come together as one organisation, strengthening our ability to support customers and communities across regional Australia.
This is an exciting milestone that strengthens our customer-owned bank, allowing us to invest more in better services, product, technology and support for regional communities.
For now, your day-to-day banking remains the same.
Do I need to do anything?
No. You do not need to take any action. For now, your banking will continue as normal.
Will my accounts, cards or fees change?
No, your:
- Accounts and account numbers
- Cards
- Direct debits and payments
- Fees
all remain unchanged.
If anything changes in the future, we will let you know clearly and well in advance.
Will my branch stay open?
Yes. Your branch will remain open, and you can continue visiting as you always have.
We know how important local service is, and that continues to be a priority for us.
Access will expand over time, and we will communicate clearly when any changes are available.
Will I still see the same staff?
Yes. The same local team you know and trust will continue to support you.
Will online banking or my Mobile Banking App change?
There are no immediate changes. You can continue using your current online banking and Mobile Banking App as usual.
Can I use Summerland Bank branches?
Not yet. At this stage, systems are not connected, so Regional Australia Bank customers will continue to be supports through Regional Australia Bank branches and channels.
We will keep you update as this changes over time.
Will anything change in the future?
There are no immediate changes. Over time, the two organisations will be brought together in a careful and considered way. This will allow us to:
- Invest more in services and technology
- Expand support for regional communities
- Strengthen our customer-owned model
If anything changes for you, we will let you know clearly and well in advance.
How will I be informed about changes?
We will keep you updated through email, our website, letters and branch communications.
Are you still the same bank with the same values?
Yes. Regional Australia Bank remains committed to:
- Being customer-owned
- Supporting our communities
- Putting people first
Why have Regional Australia Bank and Summerland Bank merged?
From 1 July, Regional Australia Bank and Summerland Bank officially come together as one organisation, part of a long-term strategy to ensure regional Australians continue to have access to local, trusted banking.
These steps will:
- Protect local branches and face-to-face services in regional towns.
- Provide more products, services, and digital options for members.
- Strengthen financial sustainability, allowing investment in technology, security, and innovation.
- Reinforce member-owned values, keeping Regional Australia Bank committed to the communities it serves.
What happens to the Community Partnership Program?
There are no changes to the Community Partnership Program. It will continue as normal, and over time will be introduced more broadly, allowing more customers and communities to benefit from the program.
What are the benefits of the merger?
By coming together with Summerland Bank, Regional Australia Bank is building a stronger, more resilient organisation. The benefits of this include:
- Greater investment in products, technology and services.
- Stronger support for local communities and face-to-face banking.
- Protecting local branches and face-to-face services in regional towns.
- Growth in a larger branch network.
- Increased investment in digital and security capabilities.
Who can I contact if I have any questions?
What does the SWSbank MOU mean now?
It signals intent and alignment in purpose; due diligence and approvals are still required.