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Fri, July 4, 2008  |  BSB No 805-022  |  Phone 13 25 85
 
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Interest Rates
You'll find all the interest rates you're looking for below.



Access Savings Account
Alliance Account
Christmas Club Account
Junior Savers Club Account
BU Savings Account
Bonus Saver Account
Action Account
monEsaver Internet Savings Account

Mortgage Offset Account
All-In-One Account
Term Deposit Account
SMALLBiz Account
SMALLBiz GST Account



Home and Investment Loans
All-in-One Account
Personal Loans
Car Loans
Enviro Loans
Line of Credit


 

To download our current Community CPS Home and Investment Loan Comparison Rate Schedule, click here

To download our current Community CPS Car and Personal Loan Comparison Rate Schedule, click here


 

To download our current Community CPS SMALLBiz Interest Rate Schedule, click here


 
Rate
Comment
0.15%pa
on full balance
This rate is valid from 04/03/2006 and is subject to change without notice.



Alliance Account
Rate Comment
0.15%pa $0 - $4,999
3.75%pa                $5,000 - $19,999
5.00%pa $20,000 - $49,999
5.50%pa    $50,000 - $99,999
6.00%pa $100,000 - $199,999
6.25%pa $200,000 plus
These rates are valid from 25/03/2008 and are subject to change without notice.



Christmas Club Account 
Rate Comment
2.00%pa on full balance
This rate is valid from 04/03/2006 and is subject to change without notice.


 
Junior Savers Club Account 
Rate Comment
2.00%pa on full balance
This rate is valid from 04/03/2006 and is subject to change without notice.


 

BU Savings Account 
Rate Comment
2.00%pa on full balance
This rate is valid from 04/03/2006 and is subject to change without notice.


 
Bonus Saver Account 
Base Rate Bonus Rate Comment
0.15%pa 3.00%pa $0 - $4999
0.15%pa 3.50%pa $5000 - $19,999
0.15%pa 4.25%pa $20,000 plus
These rates are valid from 04/03/2006 and are subject to change without notice.

 
Action Account*
Rate Comment
0.15%pa $0 - $999
0.15%pa    $1,000 - $4,999
0.50%pa $5,000 - $9,999
0.75%pa $10,000 - $19,999
1.25%pa $20,000 plus
These rates are valid from 04/03/2006 and are subject to change without notice.
*No longer available as a new account.


 

monEsaver Internet Savings Account 
Rate Comment
0.15%pa $0 - $4,999
6.90%pa $5,000 - $199,999
7.00%pa $200,000 plus
These rates are valid from 10/03/2008 and are subject to change without notice.


 
Retirement Account  and Pension Protection Plan Account*
Rate Comment
1.00%pa $0 - $1,999
4.00%pa $2,000 - $39,400
6.00%pa $39,401 - $99,999
6.00%pa $100,000 plus
These rates are valid from 07/04/2008 and are subject to change without notice.
Interest is calculated daily on portions of balance and paid monthly.
Note: ACT Pensioner Protection Plan interest rates are calculated on whole balance and is no longer available as a new account.
*No longer available as a new account.


 
Retirement Plus Account*
Rate Comment
1.00%pa $0 - $4,999
2.00%pa $5,000 - $19,999
3.80%pa $20,000 - $49,999
4.00%pa $50,000 - $99,999
4.00%pa $100,000 plus
These rates are valid from 11/12/2006 and are subject to change without notice.
Interest is calculated daily on whole balance and paid monthly.
*No longer available as a new account.


 


Cash Management Account and Redifund Plus Account*
Rate Comment
0.15%pa $0 - $4,999
3.75%pa $5,000 - $19,999
5.00%pa $20,000 - $49,999
5.50%pa $50,000 - $99,999
6.00%pa $100,000 - $199,999
6.25%pa $200,000 plus
These rates are valid from 25/03/2008 and are subject to change without notice.
*Redifund Plus Account no longer available as a new account.
Note: Redifund Plus for ACT Edvest members pays an additional 0.25% interest on each tier.


 
Wealth Accumulation Account
Rate
Comment
0.15%pa
on all credit balances
This rate is valid from 04/03/2006 and is subject to change without notice.


 



Mortgage Offset Account
Rate Comment
2.25%pa 100% of the mortgage offset balance to be offset at this rate
This rate is valid from 04/03/2006 and is subject to change without notice.


 
All-In-One Account 
Rate Comment
0.15%pa on all credit balances
This rate is valid from 04/03/2006 and is subject to change without notice.


 

Term Deposit Account 
These are a selection of Community CPS Standard Term Deposit rates with interest paid at maturity or annually (for terms greater than 12 months)
Term $500 to $4,999 $5,000 to $19,999 $20,000 to $49,999 $50,000 plus
3 mths 2.50%pa 6.35%pa 6.75%pa 6.90%pa
6 mths 2.75%pa 6.60%pa 6.85%pa 7.00%pa
9 mths 2.75%pa 6.70%pa 7.00%pa 7.10%pa
11 mths Special Offer* 8.50%pa 8.50 %pa 8.50%pa
1 year 3.00%pa 6.45%pa 7.10%pa 7.15%pa
2 years 3.50%pa 7.70%pa 8.00%pa 8.10%pa
3 years 3.75%pa 6.50%pa 6.90%pa 7.00%pa
4 years 3.75%pa 6.25%pa 6.70%pa 6.80%pa
5 years 3.75%pa 6.25%pa 6.70%pa 6.80%pa
Interest Rates on Term Deposits > $100,000 can be obtained by phoning 13 25 85 or via email
Additional bonus rates apply for life members and pinnacle plus members. Do you qualify? Ask us.
*This is a special offer and not available in conjunction with any other offer.
Community CPS Standard Term Deposit rates with interest paid monthly
Term $500 to $4,999 $5,000 to $19,999 $20,000 to $49,999 $50,000 plus
1 year 3.00%pa 6.30%pa 6.95%pa 7.00%pa
2 years 3.50%pa 7.55%pa 7.85%pa 7.95%pa
3 years 3.75%pa 6.40%pa 6.80%pa 6.90%pa
These rates are valid from 02/06/2008 and are subject to change without notice.

*Regular Income Plus (Edvest members) 12-23 months 4.75%pa - Closed to new business.

Interest Rates on Term Deposits > $100,000 can be obtained by phoning 13 25 85 or via email
Additional bonus rates apply for life members and pinnacle plus members. Do you qualify? Ask us.



SMALLBiz Account 
Rate Comment
0.15%pa $0 - $19,999
2.00%pa $20,000 - $49,999
3.00%pa $50,000 - $99,999
4.00%pa $100,000 - $249,999
5.00%pa $250,000 plus
These rates are valid from 25/03/2008 and are subject to change without notice.


 

SMALLBiz GST Account 
Rate Comment
0.15%pa $0 - $19,999
2.00%pa $20,000 - $49,999
3.00%pa $50,000 - $99,999
4.00%pa $100,000 - $249,999
5.00%pa $250,000 plus
These rates are valid from 25/03/2008 and are subject to change without notice.


 

Loan Rates

Home and Investment Loans


Fixed Rate Loan 
Fixed Term Fixed Rate Comparison Rate*
1 year 9.25%pa 9.33%pa
2 years 9.25%pa 9.33%pa
3 years 9.25%pa 9.32%pa
4 years 9.20%pa 9.30%pa
5 years 9.20%pa 9.29%pa
* The comparison rate is calculated on a $150,000 loan over a 25 year term. The comparison rate shown is for secured loans only. WARNING: This comparison rate applies to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
These rates are valid from 01/07/2008 and are subject to change without notice.
Discount rates apply for life members and pinnacle plus members. Do you qualify? Ask us.


 

Standard Variable Rate Loan 
Rate Comparison Rate*
9.30%pa 9.34%pa
* The comparison rate is calculated on a $150,000 loan over a 25 year term. The comparison rate shown is for secured loans only. WARNING: This comparison rate applies to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
This rate is valid from 01/07/2008 and is subject to change without notice.
 
Discount rates apply for life members and pinnacle plus members. Do you qualify? Ask us.




Basic Variable Home Loan
Variable Rate Comparison Rate*
8.60%pa 8.75%pa
* The comparison rate is calculated on a $150,000 loan over a 25 year term. The comparison rate shown is for secured loans only. WARNING: This comparison rate applies to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
This rate is valid from 01/07/08 and is subject to change without notice.
 

 


Introductory Rate Loan 
Fixed Term Fixed Rate# Comparison Rate*
1 year 8.64%pa 9.26%pa
#The interest rate at maturity reverts to the 'Standard Variable Rate'.
* The comparison rate is calculated on a $150,000 loan over a 25 year term. The comparison rate shown is for secured loans only. WARNING: This comparison rate applies to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
These rates are valid from 01/07/2008 and are subject to change without notice.


 


All-In-One Account (Line of Credit) 
Rate Comment
9.20%pa Variable rate
This rate is valid from 18/02/2008 and is subject to change without notice. 

Discount rates apply for life members and pinnacle plus members. Do you qualify? Ask us.
 


 


Personal Loans

 
Unsecured or Partial Secured  
Rate Comparison Rate*
Fixed 13.50%pa 14.52%pa
Variable 13.95%pa 14.97%pa

*The comparison rate is based on a $10,000 loan over a 3 year term. ^These comparison rates are for secured loans only. All others are for secured or unsecured loans. WARNING: This comparison rate applies to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
These rates are valid from 16/06/2008 and are subject to change without notice. 

Discount rates apply for life members and pinnacle plus members. Do you qualify? Ask us.

 



 

Car Loans

Fixed Rate
Rate Comparison Rate*
9.55%pa 9.77%pa
Maximum age of vehicle is 6 years.


Variable Rate   
Rate Comparison Rate*
10.20%pa 10.42%pa
Maximum age of vehicle is 6 years.
 

Drive on Car Loan
Rate Comparison Rate*
9.25%pa 9.47%pa
Maximum age of vehicle is 3 years.

*The comparison rate is based on a $30,000 loan over a 5 year term. The comparison rate shown is for secured loans only. WARNING: This comparison rate applies to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
These rates are valid from 11/02/2008 and are subject to change without notice.

Discount rates apply for life members and pinnacle plus members. Do you qualify? Ask us.
 



 

Enviro Loans

Enviro Personal Loans 
  Rate Comparison Rate
Fixed Rate 10.50%pa 11.52%pa*


Enviro Loans (Motor Vehicle Secured)
  Rate Comparison Rate
Fixed Rate 9.35%pa 9.57%pa#

*The comparison rate is based on a $10,000 loan over a 3 year term. The comparison rate shown is for unsecured loans only.
# The comparison rate is based on a $30,000 loan over a 5 year term. The comparison rate shown is for secured loans only.
WARNING: This comparison rate applies to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
These rates are valid from 16/06/2008 and are subject to change without notice.

 
 
Line of Credit

Line of Credit
Rate
15.00%pa
This rate is valid from 25/03/2008 and is subject to change without notice. 


 
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