Personal - Current Deposit Interest Rates

Other interest rates: Loan Interest Rates or Business Interest Rates?

Rates are effective from 11 October 2008 but are subject to change without notice.

On this page: Everyday Banking : Cash Investment Accounts : Fixed Term Accounts

Everyday Banking

Everyday Options

Minimum Balance	Annual Interest Rate
$0.01 and over	0.01% p.a.

Interest is calculated daily and paid half yearly.

Everyday Options Sub-Account

Minimum Balance	Annual Interest Rate
Standard Interest $0.01 and over (excluding flexiRate balances)	6.50% p.a.

Variable interest rate. Interest is calculated daily. Standard interest is paid monthly.

Everyday Options Sub-Account flexiRates

Interest Type	Annual Interest Rate
3 months	7.15% p.a.
6 months	7.15% p.a.
12 months or choose your own end date, log onto Internet Banking for today's rates	7.70% p.a.
4 months special	7.50% p.a.

Interest is calculated daily. flexiRate interest is paid at the end of the flexiRate period. Maximum flexiRate period is 1 year. Interest rate is fixed for the flexiRate period on the nominated amount.

Passbook Account

Minimum Balance	Annual Interest Rate
$0.01 and over	0.05% p.a.

Interest is calculated daily. Not available for new account opening.

Home Loan Reducer Account

Minimum Balance	Annual Loan Reducer Amount
$50,000 and over	1.20% p.a
$5,000 - $49,999	0.70% p.a.
$1,000 - $4,999	0.25% p.a.
$1-$999	0.05% p.a.

This product is not available for new loans
Benefits accrue daily and are offset against loan balance when interest charged is calculated.

Cash Investment Accounts

eOptions

Interest Type	Annual Interest Rate
Standard Interest (excluding flexiRate balances)	6.50% p.a.

Variable interest rate. Interest is calculated daily. Standard interest is paid monthly.

eOptions flexiRates

Interest Type	Annual Interest Rate
3 months	7.15% p.a.
6 months	7.15% p.a.
12 months or choose your own end date, log onto Internet Banking for today's rates	7.80% p.a.
3 months special	7.55% p.a.

Interest is calculated daily. flexiRate interest is paid at the end of the flexiRate period. Maximum flexiRate period is 1 year. Interest rate is fixed for the flexiRate period on the nominated amount.

Cash Management

Minimum Balance	Annual Interest Rate
$500,000 plus	7.00% p.a.
$250,000 - $499,999	6.55% p.a.
$100,000 - $249,999	6.55% p.a.
$50,000 - $99,999	3.70% p.a.
$20,000 - $49,999	2.20% p.a.
$5,000 - $19,999	0.01% p.a.
$0 - $4,999	0.01% p.a.

Interest is calculated daily and paid monthly on a tiered basis.

Investor Account (previously Premium Cash Mgmt)

Minimum Balance	Annual Interest Rate
$100,000 and over	3.00% p.a.
$50,000 - $99,999	1.50% p.a.
$20,000 - $49,999	1.00% p.a.
$5,000 - $19,999	0.01% p.a.

Interest is calculated daily on a tiered basis and paid weekly. This product is not available to new business.

Everyday Saver Account

Minimum Balance	Annual Interest Rate (without bonus)
$0.01 and over	0.01% p.a.

2.25% p.a. bonus interest applies if there are no withdrawals and at least $40 deposited each month.
Interest is calculated daily and paid quarterly.

55 Plus Account

Minimum Balance	Annual Interest Rate
$39,400 and over	6.00% p.a.
$2000 - $39,399	4.00% p.a.
$1 - $1,999	0.01% p.a.

Interest is calculated daily and paid monthly on a stepped basis.

Fixed Term Accounts