Interest Rates

View current interest rates for our range home loans, personal loans, term deposits, accounts and credit cards.

Owner-Occupier Home Loans

Partnership Advantage Home Loan

Principal & Interest Payments

Rate Type	Annual Rate	Comparison Rate²
Variable ¹	6.24%p.a	6.59%p.a
Fixed - 1 year	6.14%p.a	6.58%p.a
Fixed - 2 years	6.14%p.a	6.57%p.a
Fixed - 3 years	6.14%p.a	6.56%p.a
Fixed - 4 years	6.14%p.a	6.56%p.a
Fixed - 5 years	6.14%p.a	6.55%p.a

Interest Only Payments

Rate Type	Annual Rate	Comparison Rate²
Variable ¹	6.49%p.a	6.61%p.a
Fixed - 1 year	6.54%p.a	6.62%p.a
Fixed - 2 years	6.54%p.a	6.64%p.a
Fixed - 3 years	6.54%p.a	6.66%p.a
Fixed - 4 years	6.54%p.a	6.68%p.a
Fixed - 5 years	6.54%p.a	6.70%p.a

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

¹The 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.

²The 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.

Basic Home Loan

For applications from 15/12/2022

Rate Type	Annual Rate	Comparison Rate³
Basic Variable Introductory Discount Offer - Principal & Interest Payments ($100,000+)	5.74%p.a¹	6.23%p.a
Basic Home Loan Special Offer - Principal & Interest Payments ($100,000+)	6.39%p.a²	6.42%p.a
Basic Home Loan Special Offer - Interest Only Payments ($100,000+)	6.64%p.a²	6.44%p.a
Basic Variable Rate - Principal & Interest Payments	7.19%p.a	7.22%p.a
Basic Variable Rate - Interest Only Payments	7.44%p.a	7.24%p.a
Fixed - 1 year	6.24%p.a	6.40%p.a
Fixed - 2 years	6.24%p.a	6.39%p.a
Fixed - 3 years	6.24%p.a	6.37%p.a
Fixed - 4 years	6.24%p.a	6.36%p.a
Fixed - 5 years	6.24%p.a	6.35%p.a
Revert rate after fixed rate term	0.80%p.a. discount to the Basic Variable Rate – Principal & Interest Payments

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

¹ The discounted interest rate is 1.45%p.a. for a period of 3 years. Discount applied to the advertised Basic Variable (Owner Occupier) Rate, current rates are subject to change. At the end of the 3 year period, the interest rate will revert to a 0.80%p.a. discount to the Basic Variable (Owner Occupier) Rate. Under 80% LVR, and New Business only. Available for owner occupied borrowings over $100,000 or more. Available for a limited time only and not in conjunction with any other discount.

²The Basic Home Loan Special Offer is only available for owner occupied borrowings over $100,000 with new security. Available for a limited time only and not in conjunction with any other discount.

³The 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.

Please note: Current interest rates for Basic Home Loan applications prior to 1/12/2020 are available in the Interest Rates for Non-Featured Products.

Sustainable Home Loan

Rate Type	Annual Rate	Comparison Rate¹
Variable Rate - Principal & Interest Payments	6.64%p.a	6.67%p.a
Variable Rate - Interest Only Repayments	6.89%p.a	6.69%p.a

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

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.

¹ 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.

Fixed Home Loan

Principal & Interest Payments

Rate Type	Annual Rate	Comparison Rate¹
1 year fixed	6.24%p.a	7.90%p.a
2 years fixed	6.24%p.a	7.72%p.a
3 years fixed	6.24%p.a	7.55%p.a
4 years fixed	6.24%p.a	7.41%p.a
5 years fixed	6.24%p.a	7.27%p.a

Interest Only Payments

Rate Type	Annual Rate	Comparison Rate¹
1 year fixed	6.64%p.a	7.94%p.a
2 years fixed	6.64%p.a	7.80%p.a
3 years fixed	6.64%p.a	7.68%p.a
4 years fixed	6.64%p.a	7.57%p.a
5 years fixed	6.64%p.a	7.47%p.a

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

Mortgage Offset Home Loan

Principal and Interest

Rate Type	Annual Rate	Comparison Rate¹
LVR 70% or less	5.87%p.a	5.90%p.a
LVR 80% or less	5.99%p.a	6.02%p.a
LVR 90% or less	6.21%p.a	6.24%p.a
LVR more than 90%	6.84%p.a	6.87%p.a

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

The LVR 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 Mortgage Offset Home Loans.

LVR" is calculated by dividing the loan amount by the value of the property (as assessed by Regional Australia Bank). There may be a difference between the purchase price and the value of the property.

Interest Only

Rate Type	Annual Rate	Comparison Rate¹
LVR 70% or less	6.12%p.a	5.92%p.a
LVR 80% or less	6.24%p.a	6.04%p.a
LVR 90% or less	6.46%p.a	6.26%p.a
LVR more than 90%	7.09%p.a	6.89%p.a

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

Mortgage Overdraft

Rate Type	Annual Rate	Comparison Rate
Standard Variable Rate - Interest Only Payments	From 8.57%p.a	-

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

Standard Variable Rates

Rate Type	Annual Rate	Comparison Rate¹
Standard Variable Rate - Principal & Interest Payments	8.07%p.a	8.10%p.a
Standard Variable Rate - Interest Only Payments	8.32%p.a	8.13%p.a

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

Investor Home Loans

Partnership Advantage Home Loan

Principal & Interest Payments

Rate Type	Annual Rate	Comparison Rate²
Variable ¹	6.74%p.a	7.09%p.a
Fixed - 1 year	6.34%p.a	7.04%p.a
Fixed - 2 years	6.34%p.a	7.01%p.a
Fixed - 3 years	6.34%p.a	6.97%p.a
Fixed - 4 years	6.34%p.a	6.94%p.a
Fixed - 5 years	6.34%p.a	6.91%p.a

Interest Only Payments

Rate Type	Annual Rate	Comparison Rate²
Variable ¹	6.99%p.a	7.11%p.a
Fixed - 1 year	6.74%p.a	7.08%p.a
Fixed - 2 years	6.74%p.a	7.08%p.a
Fixed - 3 years	6.74%p.a	7.07%p.a
Fixed - 4 years	6.74%p.a	7.07%p.a
Fixed - 5 years	6.74%p.a	7.06%p.a

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

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 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.

Basic Home Loan

For applications from 15/12/2022

Rate Type	Annual Rate	Comparison Rate¹
Basic Variable Rate - Principal & Interest Payments	7.59%p.a	7.62%p.a
Basic Variable Rate - Interest Only Payments	7.84%p.a	7.64%p.a

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

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

¹ The Comparison rate is calculated on a secured loan amount of $150,000 over a term of 25 years. Where an Interest Only rate applies, it is only included in the calculation for the first year, then reverts to the relevant principal and interest rate. 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.

Fixed Home Loan

Principal & Interest Payments

Rate Type	Annual Rate	Comparison Rate¹
1 year fixed	6.44%p.a	8.36%p.a
2 years fixed	6.44%p.a	8.15%p.a
3 years fixed	6.44%p.a	7.95%p.a
4 years fixed	6.44%p.a	7.78%p.a
5 years fixed	6.44%p.a	7.63%p.a

Interest Only Payments

Rate Type	Annual Rate	Comparison Rate¹
1 year fixed	6.84%p.a	8.40%p.a
2 years fixed	6.84%p.a	8.23%p.a
3 years fixed	6.84%p.a	8.08%p.a
4 years fixed	6.84%p.a	7.95%p.a
5 years fixed	6.84%p.a	7.83%p.a

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

Mortgage Offset Home Loan

Principal and Interest

Rate Type	Annual Rate	Comparison Rate¹
LVR 60% or less	5.87%p.a	5.90%p.a
LVR 70% or less	6.19%p.a	6.22%p.a
LVR 80% or less	6.44%p.a	6.47%p.a
LVR 90% or less	6.66%p.a	6.69%p.a
LVR more than 90%	7.51%p.a	7.54%p.a

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

Interest Only

Rate Type	Annual Rate	Comparison Rate¹
LVR 60% or less	6.12%p.a	5.92%p.a
LVR 70% or less	6.44%p.a	6.24%p.a
LVR 80% or less	6.69%p.a	6.49%p.a
LVR 90% or less	6.91%p.a	6.71%p.a
LVR more than 90%	7.76%p.a	7.56%p.a

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

Mortgage Overdraft

Rate Type	Annual Rate	Comparison Rate
Standard Variable Rate - Interest Only Payments	From 9.07%p.a	-

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

Self-Managed Super Fund Housing Loan

Rate Type	Annual Rate	Comparison Rate
SMSF Variable Rate (Residential Security, Principal & Interest Payments)	9.19%p.a	-
Fixed - 1 year	10.00%p.a	-
Fixed - 2 year	10.10%p.a	-
Fixed - 3 year	10.20%p.a	-
Fixed - 5 year	10.30%p.a	-

Interest rates are on a per annum basis and are current as of today's date and are subject to negotiation.

Standard Variable Rates

Rate Type	Annual Rate	Comparison Rate¹
Standard Variable Rate - Principal & Interest Payments	8.57%p.a	8.60%p.a
Standard Variable Rate - Interest Only Payments	8.82%p.a	8.63%p.a

Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

Personal Loans

Accelerator Car Loan

Rate Type	Annual Rate	Comparison Rate¹
Variable Interest Rate	From 6.74%p.a	From 7.05%p.a

¹ 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.

Personal Touch Loan

Rate Type	Annual Rate	Comparison Rate¹
Variable Interest Rate	10.24%p.a	11.60%p.a

¹ The Comparison rate is calculated on a unsecured loan amount of $10,000 over a term of 3 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

Enviro Loan

Rate Type	Annual Rate	Comparison Rate¹
Variable Interest Rate	7.20%p.a	8.54%p.a

Car Loan

Rate Type	Annual Rate	Comparison Rate
Variable Interest Rate	From 11.74%p.a	From 12.07%p.a¹

Personal Loan

Rate Type	Annual Rate	Comparison Rate¹
Variable Interest Rate	From 15.99%p.a	From 17.40%p.a

Term Savings

Term Savings Rates

Term	Deposits $1,000 to $500,000
1 month	1.50%p.a
2 months	1.75%p.a
3 months	3.60%p.a
4 months	4.50%p.a
6 months	4.60%p.a
9 months	4.65%p.a
12 months (1 year)	5.00%p.a
18 months (1.5 year)	4.80%p.a
24 months (2 years)	4.00%p.a
36 months (3 years)	3.90%p.a
48 months (4 years)	3.90%p.a
60 months (5 years)	3.80%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. We can negotiate rates for term deposits over $500,000. Please call 132 067 for more information.

Interest rates are on a per annum basis and are current for new deposits as of today's date 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 Term Savings 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	5.00%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 of today's date 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	3.25%p.a
$10,000 to $99,999	3.25%p.a
$100,000 to $249,999	3.25%p.a
$250,000 and over	3.25%p.a

Interest rates are on a per annum basis and are current as of today's date 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 for new loan contracts as of today's date 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 Regional Australia Bank home loan)	11.69%p.a¹
Purchase and Cash Advance interest rate (without an attached home loan)	14.69%p.a

¹ 3.00% discount on the standard rate if Your Choice Visa is held on the same membership as an active, funded home loan. Subject to change.

Interest rates are on a per annum basis and are current for new loan contracts as of today's date 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
All balances	0.00%p.a

Interest rates are on a per annum basis and are current as of today's date and are subject to change.

Freedom Retirement

Rate Type	Annual Rate
Portion less than $2,000	1.50%p.a
Portion $2,000 to $50,000	1.50%p.a
Portion $50,000 to $250,0000	2.75%p.a
Portion $250,000 and over	2.75%p.a

Interest rates are on a per annum basis and are current as of today's date and are subject to change.

Can't find what you're looking for?

It's likely you may have a product that is no longer current or not featured on our website. Please see our list of interest rates for non-featured products for details.