Interest Rates

View current interest rates for our range of personal banking products and services.

Includes home loans, personal loans, term, deposits, savings accounts, everyday accounts and credit cards.

Home Loans

Partnership Advantage Home Loan

Owner Occupier
Rate Type Annual Rate Comparison Rate
Variable - Lending $250,000 and over1
4.17%p.a 4.35%p.a2
Variable - Lending under $250,0001 4.37%p.a 4.64%p.a3
Fixed - 1 year 3.89%p.a 4.33%p.a2
Fixed - 2 years 3.89%p.a 4.31%p.a2
Fixed - 3 years 3.99%p.a 4.31%p.a2
Fixed - 5 years  4.59%p.a 4.51%p.a2
Investor
Rate Type Annual Rate Comparison Rate
Variable - Lending $250,000 and over1
4.67%p.a 4.85%p.a2
Variable - Lending under $250,0001 4.87%p.a 5.14%p.a3
Fixed - 1 year 4.39%p.a 4.83%p.a2
Fixed - 2 years 4.39%p.a 4.80%p.a2
Fixed - 3 years 4.49%p.a 4.81%p.a2
 Fixed - 5 years 5.09%p.a 5.01%p.a2

1 The Interest Rate Discount applies to the Standard Variable Home Loan Rate at the time of the application of the loan and is based on total mortgage-secured consumer lending held in Partnership Advantage Home Loans.

2 WARNING: This comparison rate is for a secured variable rate “Partnership Advantage Home Loan” based on $300,000 over 30 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 08/05/17 and are subject to change.

3 WARNING: This comparison rate is for a secured variable rate “Partnership Advantage Home Loan” based on $200,000 over 30 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 08/05/17 and are subject to change.

Basic Home Loan

Rate Type Annual Rate Comparison Rate
Special Offer ($150,000+ Owner Occupier Only) 3.97%p.a1 4.33%p.a2
Basic Variable Rate - Owner Occupier 4.42%p.a3 4.44%p.a2
Basic Variable Rate - Investor 4.92%p.a3 4.94%p.a2

1 The Basic Home Loan Special is a 0.45% discount on the “Basic Home Loan” variable rate for a period of 3 years from the commencement of the loan. After this 3 year period rates will revert to the standard “Basic Home Loan” variable rate. The special is only available for owner occupied borrowings over $150,000 with new security. No product switching is permitted. Available for a limited time only and not in conjunction with any other discount.

2 WARNING: This comparison rate is for a secured variable rate “Basic Home Loan” based on $300,000 over 30 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 08/05/17 and are subject to change.

3 The Basic Home Loan is only available for owner occupied or residential investment borrowings with over $100,000 of new lending.

Sustainable Home Loan

Rate Type Annual Rate Comparison Rate
Owner Occupier Variable Rate1 3.97%p.a 3.99%p.a2

1 The Sustainable Home Loan is available where borrowers demonstrate by suitable evidence that their home meets the specified guidelines. Regional Australia Bank reserves the right to determine whether a home is eligible for the Sustainable Home Loan at their absolute discretion.

2 WARNING: This comparison rate is for a secured variable rate “Sustainable Home Loan” based on $300,000 over 30 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 01/02/17 and are subject to change.

Fixed Home Loan

Owner Occupier
Rate Type Annual Rate Comparison Rate
1 year fixed 3.99%p.a 5.13%p.a1
2 years fixed 3.99%p.a 5.04%p.a1
3 years fixed 4.09%p.a 4.97%p.a1
5 years fixed 4.69%p.a 5.04%p.a1
Investor
Rate Type Annual Rate Comparison Rate
1 year fixed 4.49%p.a 5.63%p.a1
2 years fixed 4.49%p.a 5.53%p.a1
3 years fixed 4.59%p.a 5.56%p.a1
5 years fixed 5.19%p.a 5.54%p.a1

1 1 WARNING: This comparison rate is for a secured Fixed Home Loan based on the specified fixed rate term for $300,000 over 30 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 08/05/17 and are subject to change.

Mortgage Offset Home Loan

Rate Type Annual Rate Comparison Rate
Standard Variable Rate - Owner Occupier 5.22%p.a 5.24%p.a1
Standard Variable Rate - Investor 5.72%p.a 5.74%p.a1

1 WARNING: This comparison rate is for a secured variable rate “Mortgage Offset Home Loan” based on $300,000 over 30 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 08/05/17 and are subject to change.

Mortgage Overdraft

Rate Type Annual Rate Comparison Rate
Standard Variable Rate - Owner Occupier From 5.22%p.a1 -
Standard Variable Rate - Investor From 5.72%p.a1 -

1 Interest rates are on a per annum basis and are current as at 08/05/17 and are subject to change.

Self-Managed Super Fund Housing Loan

Rate Type Annual Rate Comparison Rate
Investor Variable Rates From 5.87%p.a1 -

1 Interest rates are on a per annum basis and are current as at 08/05/17 and are subject to change.

Equity Management Package

Rate Type Annual Rate Comparison Rate
Variable (Home Loan and Overdraft)
4.22%p.a 4.41%p.a1
Fixed - 1 year (Home Loan only) 3.89%p.a 4.38%p.a1
Fixed - 2 years (Home Loan only) 3.89%p.a 4.36%p.a1
Fixed - 3 years (Home Loan only) 3.99%p.a 4.35%p.a1
Fixed - 5 years (Home Loan only)  4.59%p.a 4.54%p.a1

NB- We require that members considering an Equity Management Package consult with a licensed Financial Planner or Advisor to determine their suitability to pursue a debt recycling strategy. Regional Australia Bank reserves the right to refuse borrowing for investment purposes at their ultimate discretion.

1 WARNING: This comparison rate is for a secured variable rate “Equity Management Home Loan” based on $300,000 over 30 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 01/02/17 and are subject to change.

Standard Variable Rates

Rate Type Annual Rate Comparison Rate
Standard Variable Rate - Owner Occupier 5.22%p.a 5.24%p.a1
Standard Variable Rate - Investor 5.72%p.a 5.74%p.a1

1 WARNING: This comparison rate is for a secured variable rate “Standard Variable Home Loan” based on $300,000 over 30 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 08/05/17 and are subject to change.

Personal Loans

Accelerator Car Loan

Rate Type Annual Rate Comparison Rate
Variable Interest Rate From 7.49%p.a From 7.86%p.a1

1 WARNING: This comparison rate is for a secured variable rate “Accelerator Car Loan” based on $25,000 over 5 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 01/02/17 and are subject to change.

Personal Touch Loan

Rate Type Annual Rate Comparison Rate
Variable Interest Rate 9.99%p.a 10.88%p.a1

1 WARNING: This comparison rate is for an unsecured variable rate Personal Touch Loan based on $15,000 over 3 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 01/02/17 and are subject to change.

Enviro Loan

Rate Type Annual Rate Comparison Rate
Variable Interest Rate 7.95%p.a 8.83%p.a1

1 WARNING: This comparison rate is for an unsecured variable rate “Enviro Loan” based on $15,000 over 3 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 01/02/17 and are subject to change.

On Track Loan

Rate Type Annual Rate Comparison Rate
Variable Interest Rate 11.99%p.a 12.89%p.a1

1 WARNING: This comparison rate is for an unsecured variable rate On Track Debt Consolidation Loan based on $15,000 over 3 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 06/04/17 and are subject to change.

Car Loan

Rate Type Annual Rate Comparison Rate
Variable Interest Rate From 11.49%p.a From 11.88%p.a1

1 WARNING: This comparison rate is for a secured variable rate “Car Loan” based on $25,000 over 5 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 01/02/17 and are subject to change.

Personal Loan

Rate Type Annual Rate Comparison Rate
Variable Interest Rate From 15.99%p.a From 16.91%p.a1

1 WARNING: This comparison rate is for an unsecured variable rate Personal Loan based on $15,000 over 3 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 01/02/17 and are subject to change.

Term Savings

Term Savings Rates

Term Deposits less than $5,000 Deposits $5,000 and over
1 month 1.55%p.a 2.00%p.a
2 months 1.55%p.a 2.00%p.a
3 months 2.05%p.a 2.50%p.a
6 months 2.20%p.a 2.60%p.a
9 months 2.20%p.a 2.60%p.a
12 months
2.65%p.a 2.70%p.a
24 months 2.65%p.a 2.95%p.a
24 months (interest quarterly) - 2.80%p.a

For maturity dates or terms that are not quoted above, please call our Treasury Department on 132 067 to receive a rate tailored to your specific needs.

Interest rates are on a per annum basis and are current as at 22/05/17 and are subject to change. Minimum investment amount and account balance is $1,000.

Interest is calculated daily and paid at the end of the investment term. If you choose to receive interest payments on a fortnightly, monthly, quarterly or semi-annual basis, a 0.15% discount will apply to the interest rate shown above. See the Product Page for full details of how interest is paid.

Savings Accounts

Savings Booster

Rate Type Annual Rate
Base Interest Rate 0.00%p.a
Boosted Interest Rate 2.75%p.a1

1 Deposit at least $100 and don’t make any withdrawals through the month to receive Boosted interest for that month. Interest payable reverts to Base Interest if these conditions are not met. Interest rates are on a per annum basis and are current as at 08/08/16 and are subject to change.
This product is not available to businesses, associations or trusts.

Internet Maximiser

Rate Type Annual Rate
Less than $10,000 0.65%p.a
$10,000 to $99,999 1.40%p.a
 $100,000 to $249,999 1.75%p.a
 $250,000 and over 1.85%p.a

Interest rates are on a per annum basis and are current as at 08/08/16 and are subject to change.

Credit Cards

Visa Platinum Rewards Credit Card

Rate Type Annual Rate
Purchase interest rate 19.99%p.a1
Cash Advance interest rate 19.99%p.a1

1 Interest rates are on a per annum basis and are current as at 10/09/16 and are subject to change. Terms, conditions, fees, charges and normal lending criteria apply. Refer to Visa Conditions of Use for further details.

Your Choice Visa Credit Card

Rate Type Annual Rate
Purchase and Cash Advance interest rate
(with a Partnership Advantage Home Loan)
9.69%p.a1
Purchase and Cash Advance interest rate
(with a different Regional Australia Bank home loan)
11.69%p.a2
Purchase and Cash Advance interest rate
(without an attached home loan)
14.69%p.a

1 5.00% discount on the standard rate if Your Choice Visa with a minimum credit limit of $5,000 is held on the same membership as an active, funded Partnership Advantage Home Loan. Subject to change.

2 3.00% discount on the standard rate if Your Choice Visa is held on the same membership as an active, funded home loan other than a Partnership Advantage. Subject to change.

Interest rates are on a per annum basis and are current as at 10/09/16 and are subject to change. Terms, conditions, fees, charges and normal lending criteria apply. Refer to Visa Conditions of Use for further details.

Everyday Accounts

Community Partnership Account

Rate Type Annual Rate
Less than $5,000 0.00%p.a
$5,000 to $49,999 0.05%p.a
 $50,000 and over 0.20%p.a

Interest rates are on a per annum basis and are current as at 08/08/16 and are subject to change.

eFree

Rate Type Annual Rate
All balances 0.00%p.a

Interest rates are on a per annum basis and are current as at 08/08/16 and are subject to change.

Youth Account

Rate Type Annual Rate
All balances 0.25%p.a

Interest rates are on a per annum basis and are current as at 08/08/16 and are subject to change.

Freedom Retirement

Rate Type Annual Rate
Portion less than $2,000 0.25%p.a
Portion between $2,000 to $48,600 1.00%p.a
Portion over $48,600 2.50%p.a

Interest rates are on a per annum basis and are current as at 08/08/16 and are subject to change.

Access Savings Account

Rate Type Annual Rate
All credit balances 0.00%p.a1
All debit balances 16.99%p.a2

1 Interest rates are on a per annum basis and are current as at 08/08/16 and are subject to change.

2 Terms, conditions, fees, charges and normal lending criteria apply. Interest rates are on a per annum basis and are current as at 08/08/16 and are subject to change.