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Interest Rates
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You'll find all the interest rates you're looking for below.
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 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
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To download our current Community CPS SMALLBiz Interest Rate Schedule, click here
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Rate |
Comment |
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0.15%pa |
on full balance |
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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 |
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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 |
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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 |
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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. |
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Wealth Accumulation Account |
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Rate |
Comment |
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0.15%pa |
on all credit balances |
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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 |
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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 |
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* 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.
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| Standard Variable Rate Loan |
| Rate |
Comparison Rate* |
| 9.30%pa |
9.34%pa |
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* 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.
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| 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 |
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#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 |
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Rate |
Comparison Rate* |
| Fixed |
13.50%pa |
14.52%pa |
| Variable |
13.95%pa |
14.97%pa |
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*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. |
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Car Loans
| Fixed Rate |
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| Rate |
Comparison Rate* |
| 9.55%pa |
9.77%pa |
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Maximum age of vehicle is 6 years.
| Variable Rate |
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| Rate |
Comparison Rate* |
| 10.20%pa |
10.42%pa |
Maximum age of vehicle is 6 years.
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| Drive on Car Loan |
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| Rate |
Comparison Rate* |
| 9.25%pa |
9.47%pa |
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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.
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Enviro Loans
| Enviro Personal Loans |
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Rate |
Comparison Rate |
| Fixed Rate |
10.50%pa |
11.52%pa* |
| Enviro Loans (Motor Vehicle Secured) |
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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 |
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| 15.00%pa |
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This rate is valid from 25/03/2008 and is subject to change without notice.
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