Withdrawn Product Rates

Cash Management Account
$0 up to $5,000	Not applicable
$5,000 up to $20,000	0.01% p.a.
$20,000 up to $100,000	0.01% p.a.
$100,000 up to $250,000	0.01% p.a.
$250,000 or more	0.01% p.a.

Cash Management Account

Balance

Rate

$0 up to $5,000

Not applicable

$5,000 up to $20,000

0.01% p.a.

$20,000 up to $100,000

0.01% p.a.

$100,000 up to $250,000

0.01% p.a.

$250,000 or more

0.01% p.a.

DreamSaver Account
$0 up to $100,000	0.01% p.a.	0.02% p.a.
$100,000 or more	0.01% p.a.	0.02% p.a.

DreamSaver Account

Balance

Rate

With bonus interest rate

$0 up to $100,000

0.01% p.a.

0.02% p.a.

$100,000 or more

0.01% p.a.

0.02% p.a.

Instant saver
All balances	0.01% p.a.

Instant saver

Balance

Variable rate

All balances

0.01% p.a.

Kids' Bonus Saver
Bonus interest rate 2	2.95% p.a.
Standard interest rate	0.01% p.a.

Kids' Bonus Saver

Rate type

Variable rate

Bonus interest rate

2.95% p.a.

Standard interest rate

0.01% p.a.

Regular Saver
Bonus interest 3	0.30% p.a.

Regular Saver

Rate type

Variable rate

Bonus interest

0.30% p.a.

Solid Gold Saver
$0 up to $10,000	Not applicable
$10,000 or more	0.01% p.a. 4

Solid Gold Saver

Balance

Rate

$0 up to $10,000

Not applicable

$10,000 or more

0.01% p.a.

Standard Term Deposit
1 month	0.05% p.a.	-	-	-
2 months	0.10% p.a.	-	-	-
3 months	0.20% p.a.	-	-	-
4 months	0.20% p.a.	-	-	-
5 months	0.20% p.a.	-	-	-
6 months	0.50% p.a.	-	-	-
7 months	0.25% p.a.	-	-	-
8 months	0.25% p.a.	-	-	-
9 months	0.25% p.a.	-	-	-
10 months	0.25% p.a.	-	-	-
11 months	0.25% p.a.	-	-	-
1 year	0.50% p.a.	0.50% p.a.	0.50% p.a.	0.50% p.a.
2 years	0.50% p.a.	0.50% p.a.	0.50% p.a.	0.50% p.a.
3 years	0.50% p.a.	0.50% p.a.	0.50% p.a.	0.50% p.a.
4 years	0.50% p.a.	0.50% p.a.	0.50% p.a.	0.50% p.a.
5 years	0.50% p.a.	0.50% p.a.	0.50% p.a.	0.50% p.a.

Standard Term Deposit

Term

Maturity/Annually

Half-yearly

Quarterly

Monthly

1 month

0.05% p.a.

2 months

0.10% p.a.

3 months

0.20% p.a.

4 months

0.20% p.a.

5 months

0.20% p.a.

6 months

0.50% p.a.

7 months

0.25% p.a.

8 months

0.25% p.a.

9 months

0.25% p.a.

10 months

0.25% p.a.

11 months

0.25% p.a.

1 year

0.50% p.a.

2 years

0.50% p.a.

3 years

0.50% p.a.

4 years

0.50% p.a.

5 years

0.50% p.a.

TD at Call
1-31 days	0.10% p.a.	-	-	-

TD at Call

Term

Maturity/Annually

Half-yearly

Quarterly

Monthly

1-31 days

0.10% p.a.

Complete Account
All balances	0.01% p.a.

Complete Account

Balance

Rate

All balances

0.01% p.a.

Complete Concessional Account
All balances	0.01% p.a.

Complete Concessional Account

Balance

Rate

All balances

0.01% p.a.

Intellectually Handicapped Account
$0 up to $5,000	0.01% p.a.
Over $5,000	0.01% p.a.

Intellectually Handicapped Account

Balance

Rate

$0 up to $5,000

0.01% p.a.

Over $5,000

0.01% p.a.

Business Equity Line
Indicative variable rate 5	6.23% p.a.
Business Equity Line (reference rate)	7.08% p.a.

Business Equity Line

Rate type

Variable rate

Indicative variable rate

6.23% p.a.

Business Equity Line (reference rate)

7.08% p.a.

1. Conditions apply. Bonus interest rate is currently 0.01% p.a. Credit interest is calculated at the applicable rate on the entire balance of the account.

2. This rate applies when the following bonus conditions are met.

Deposit at least $25 during the month (on or before the last business day)
Any amount that exceeds the $250 per month will not be accepted by our system and sent to your linked Children’s Savings Account
Do not make any withdrawals during the month.

3. This rate applies when the following bonus conditions are met.

You make no withdrawals from the account during the month; and
The total amount of all deposits which we treat as having been made to the account during the month is equal to, or greater than, $50.00

4. Rate only applies if no withdrawals are made during the month.

5. The indicative variable rate is based on a fully secured loan option.

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DreamSaver Account
Balance	Rate	With bonus interest rate 1
$0 up to $100,000	0.01% p.a.	0.02% p.a.
$100,000 or more	0.01% p.a.	0.02% p.a.