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.
Join us as we shape the future of Regional Australia Bank. See more
Interest Rates
View current interest rates for our range home loans, personal loans, term deposits, accounts and credit cards.
Community Partnership Account
Interest rates
| Rate Type |
|---|
| All balances |
Freedom Retirement Account
Interest Rates
| Rate Type | Annual Rate |
|---|---|
| Funds up to $2,000 | 0.75%p.a 1 |
| Funds between $2,000 to $50,000 | 0.75%p.a 1 |
| Funds between $50,000 to $250,000 | 2.00%p.a 1 |
| Funds over $250,000 | 2.00%p.a 1 |
Savings Accounts
Saving Account
Interest Rate
| Rate Type | Annual Rate |
|---|---|
| Interest rates first 3 months | 4.50%p.a |
| Revert rate (after initial 3 months) | 2.50%p.a |
Term Savings
Interest Rates
| Rate Type | Annual Rate |
|---|---|
| 3 months (Amounts from $1,000 to $500,000) | 2.95%p.a 1 |
| 4 months (Amounts from $1,000 to $500,000) | 4.05%p.a 1 |
| 6 months (Amounts $1,000 to $500,000) | 3.95%p.a 1 |
| 9 months (Amounts $1,000 to $500,000) | 3.60%p.a 1 |
| 12 months (Amounts $1,000 to $500,000) | 3.50%p.a 1 |
| 18 months (Amounts $1,000 to $500,000) | 3.35%p.a 1 |
| 24 months (Amounts $1,000 to $500,000) | 3.25%p.a 1 |
| 36 months (Amounts $1,000 to $500,000) | 3.20%p.a 1 |
| 48 months (Amounts $1,000 to $500,000) | 3.10%p.a 1 |
| 60 months (Amounts $1,000 to $500,000) | 3.15%p.a 1 |
Savings Booster
Interest Rates
| Rate Type | Annual Rate |
|---|---|
| Base Interest rate | - |
| Boosted interest rate (up to $250,000) | 4.25%p.a 2 |
Internet Maximiser
Interest Rates
| Rate Type | Annual Rate |
|---|---|
| All Balances | 2.50%p.a 1 |
Credit Cards
Your Choice Credit Card
Interest Rates
| Rate Type | Annual Rate |
|---|---|
| Purchase Rate- with a Regional Australia Bank home loan | 11.69%p.a 3 |
| Purchase Rate | 14.69%p.a 3 |
| Cash Advance Rate | - |
Business Loans
Mortgage Secured Commercial Loans
Interest rates
| Rate Type |
|---|
| Interest Rates |
Self Managed Super Fund Loan
Interest Rates
| Rate Type |
|---|
| Interest Rates |
Commercial Overdraft
Interest Rates
| Rate Type |
|---|
| Interest Rates |
Business Vehicles & Equipment Loans
Interest Rates
| Rate Type |
|---|
| Interest Rate |
Business Line of Credit
Interest Rates
| Rate Type |
|---|
| Interest Rates |
Bank Guarantee
Interest Rates
| Rate Type |
|---|
| Interest Rates |
Non-Mortgage Secured Commercial Loans
Interest Rates
| Rate Type |
|---|
| Interest Rates |
Business Accounts
Savings Booster
Interest Rates
| Rate Type | Annual Rate |
|---|---|
| Base Interest rate | - |
| Boosted Interest rate (up to $250,000) | 4.25%p.a 1 2 |
Internet Maximiser
Interest rates
| Rate Type | Annual Rate |
|---|---|
| All Credit Balances | 2.50%p.a 1 |
Community Partnership Account
Interest rates
| Rate Type |
|---|
| All Balances |
Investment Accounts
Term Savings
Interest Rates
| Rate Type | Annual Rate |
|---|---|
| 3 months (Amounts from $1,000 to $500,000) | 2.95%p.a |
| 4 months (Amounts from $1,000 to $500,000) | 4.05%p.a |
| 6 months (Amounts from $1,000 to $500,000) | 3.95%p.a |
| 9 months (Amounts $1,000 to $500,000) | 3.60%p.a |
| 12 months (Amounts $1,000 to $500,000) | 3.50%p.a |
| 18 months (Amounts $1,000 to $500,000) | 3.35%p.a |
| 24 months (Amounts $1,000 to $500,000) | 3.25%p.a |
| 36 months (Amounts $1,000 to $500,000) | 3.20%p.a |
| 48 months (Amounts $1,000 to $500,000) | 3.10%p.a |
| 60 months (Amounts $1,000 to $500,000) | 3.15%p.a |
Farm Management Deposit
Interest rates
| Rate Type | Annual Rate |
|---|---|
| 3 months (Amounts from $1,000 to $500,000) | 2.95%p.a 1 |
| 4 months (Amounts from $1,000 to $500,000) | 4.05%p.a 1 |
| 6 months (Amounts from $1,000 to $500,000) | 3.95%p.a 1 |
| 9 months (Amounts $1,000 to $500,000) | 3.60%p.a 1 |
| 12 months (Amounts $1,000 to $500,000) | 3.50%p.a 1 |
| 18 months (Amounts $1,000 to $500,000) | 3.35%p.a 1 |
| 24 months (Amounts $1,000 to $500,000) | 3.25%p.a 1 |
| 36 months (Amounts $1,000 to $500,000) | 3.20%p.a 1 |
| 48 months (Amounts $1,000 to $500,000) | 3.10%p.a 1 |
| 60 months (Amounts $1,000 to $500,000) | 3.15%p.a 1 |
Industry Trust Accounts
Real Estate Trust Account
Interest rates
| Rate Type |
|---|
| All Credit Balances |
Solicitors Trust Account
Interest rates
| Rate Type |
|---|
| All Credit Balances |
Home Loans
Regional Australia Bank Home Loan
Interest rates
| Rate Type | Annual Rate |
|---|---|
| LVR 60% or less - Variable (Conditions Apply) | 5.24%p.a 1 |
| LVR 60% or less - Variable - Comparison Rate (Conditions Apply) | 5.27%p.a 4 |
| LVR 60% or less (3 Year Fixed, conditions apply) | 5.60%p.a 1 |
| LVR 60% or less (3 Year Fixed, conditions apply) - Comparison Rate | 5.84%p.a 4 |
| Other Rates | - |
| *Loan to Value Ratio (LVR) | - |
Personal Loans
Personal Loan
Interest rates
| Rate Type | Annual Rate |
|---|---|
| Variable Interest Rate from | 15.99%p.a 5 |
| Comparison Rate from | 17.40%p.a 6 |
Accelerator Car Loan
Interest rates
| Rate Type | Annual Rate |
|---|---|
| Vehicle <5 yrs (Variable rate) from | 6.74%p.a 5 |
| Vehicle <5 yrs (Comparison rate) from | 7.05%p.a 6 |
| Vehicle 5 to 10 years (Variable rate) | 11.74%p.a |
| Vehicles 5 to 10 years (Comparison rate) | 12.07%p.a 6 |
Personal Touch Loan
Interest rates
| Rate Type | Annual Rate |
|---|---|
| Variable Interest Rate | 10.24%p.a 5 |
| Comparison Rate | 11.60%p.a 6 |
Enviro Loan
Interest rates
| Rate Type | Annual Rate |
|---|---|
| Variable Interest Rate | 7.20%p.a 5 |
| Comparison Rate | 8.54%p.a 6 |
Disclaimers
1
Interest rates are on a per annum basis and are current as of today's date and are subject to change.
2
Interest rates are on a per annum basis and are current as of today's date and are subject to change.
Interest payable reverts to Base Interest if interest conditions are not met. Base Interest paid on portion of account balance up to $250,000.
This product is not available to associations or trusts. Maximum of one Savings Booster account per member.
3
Interest rates are on a per annum basis and are current as of today's date and are subject to change.
4
The Comparison rate is calculated on a secured loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
5
Interest rates are on a per annum basis and are current as of today's date and are subject to change. Please note that the interest rate effective at the end of each month applies to the whole month.
6
The Comparison rate is calculated on a secured loan amount of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.