Interest Rates
| Transactional Accounts | Savings & Investment Products | Other Products |
Effective 19 July 2010 - Interest rates are subject to change without notice.
* Interest rates quoted on a per annum basis and subject to change without notice. Interest on Everyday Accounts is variable, calculated daily on a tiered basis and credited on the first day of the following month. Minimum opening balance is $1.
** Interest rates quoted on a per annum basis and subject to change without notice. Interest on Everyday Community Account rate is variable, calculated daily on a tiered basis and credited on the first day of the following month. Minimum opening balance is $1.
| RBonline Savings Account | |
| All Amounts | |
| RBonline Savings Account | 5.10% |
Interest rates quoted on a per annum basis and subject to change without notice. RBonline Savings Account rates are variable, calculated daily and credited monthly on the first day of the following month. Applications for the RBonline Savings Account can be made via www.rbonline.com.au.
| RBonline Term Deposit Account | |
| All Amounts | |
| 3 month RBonline Term Deposit | 5.80% |
| 6 month RBonline Term Deposit | 6.25% |
| 12 month RBonline Term Deposit | 6.55% |
Interest rates quoted on a per annum basis and subject to change without notice. Interest on RBonline Term Deposits is calculated daily and paid at maturity. Applications for RBonline Term Deposits can be made via www.rbonline.com.au.
| Gold Cash Management Account Interest Rates | |||||
| $5,000 - $19,999 | $20,000 - $49,999 | $50,000 - $99,999 | $100,000 - $249,999 | $250,000 + | |
| Interest paid monthly | 3.00% | 3.50% | 4.25% | 4.25% | 4.50% |
Interest rates quoted on a per annum basis and subject to change without notice. Interest on Gold Cash Management Accounts is variable, calculated daily on a tiered basis and credited to the account on the first of the following month. Minimum opening deposit is $5,000.
* Interest rate quotes will be provided on application for amounts greater than $500,000.
** Blackboard Special Offer. Interest rates quoted on a per annum basis and subject to change without notice. Interest calculated daily and paid or credited at maturity.
| Short Term Deposit Interest Rates | |||||||
| $500 to $4,999 | $5,000 to $24,999 | $25,000 to $49,999 | $50,000 to $149,999 | $150,000 to $500,000* | |||
| 1 month | 1.00% | 2.50% | 2.75% | 3.00% | 3.25% | ||
| 2 months | 1.00% | 2.50% | 2.75% | 3.00% | 3.25% | ||
| 3 months | 1.00% |
5.00%
|
5.00%
|
5.00%
|
5.00%
|
||
| 4 months | 1.00% | 5.80% |
5.80%
|
5.80%
|
5.80%
|
||
| 5 months | 1.00% | 2.75% | 3.00% | 3.10% | 3.30% | ||
| 6 months | 1.50% | 6.15% |
6.15%
|
6.15%
|
6.15%
|
||
| 9 months | 1.50% | 2.75% | 3.00% | 3.15% | 3.30% | ||
Interest rates quoted on a per annum basis and subject to change without notice. Interest on Term Deposits is calculated daily and paid or credited at maturity unless specified otherwise. Exact term in months or maturity date must be specified when applying for Term Deposits.
* Interest rate quotes will be provided on application for amounts greater than $500,000.
| 12 Month Term Deposit | |||||||
| $500 to $4,999 | $5,000 to $24,999 | $25,000 to $49,999 | $50,000 to $149,000 | $150,000 to $500,000* | |||
| Interest paid annually | 2.00% | 6.30% |
6.30%
|
6.30%
|
6.30%
|
||
| Interest paid quarterly | 1.90% | 6.20% |
6.20%
|
6.20%
|
6.20%
|
||
| Interest paid monthly | 1.85% | 6.15% |
6.15%
|
6.15%
|
6.15%
|
||
| 24 Month Term Deposit | |||||||
| $500 to $4,999 | $5,000 to $24,999 | $25,000 to $49,999 | $50,000 to $149,999 | $150,000 to $500,000* | |||
| Interest paid annually | 2.00% | 5.75% |
6.00%
|
6.30%
|
6.50%
|
||
| Interest paid quarterly | 1.90% | 5.65% |
5.90%
|
6.20%
|
6.40%
|
||
| Interest paid monthly | 1.85% | 5.60% |
5.85%
|
6.15%
|
6.35%
|
||
| 36 Month Term Deposit | |||||||
| $500 to $4,999 | $5,000 to $24,999 | $25,000 to $49,999 | $50,000 to $149,999 | $150,000 to $500,000* | |||
| Interest paid annually | 2.00% |
6.25%
|
6.50%
|
6.80%
|
7.00%
|
||
| Interest paid quarterly | 1.90% |
6.15%
|
6.40%
|
6.70%
|
6.90%
|
||
| Interest paid monthly | 1.85% |
6.10%
|
6.35%
|
6.65%
|
6.85%
|
||
| 48 Month Term Deposit | |||||||
| $500 to $4,999 | $5,000 to $24,999 | $25,000 to $49,999 | $50,000 to $149,999 | $150,000 to $500,000* | |||
| Interest paid annually | 2.00% |
6.25%
|
6.50%
|
6.80%
|
7.00%
|
||
| Interest paid quarterly | 1.90% |
6.15%
|
6.40%
|
6.70%
|
6.90%
|
||
| Interest paid monthly | 1.85% |
6.10%
|
6.35%
|
6.65%
|
6.85%
|
||
| 60 Month Term Deposit | |||||||
| $500 to $4,999 | $5,000 to $24,999 | $25,000 to $49,999 | $50,000 to $149,999 | $150,000 to $500,000* | |||
| Interest paid annually | 2.00% |
6.25%
|
6.50%
|
6.80%
|
7.00%
|
||
| Interest paid quarterly | 1.90% |
6.15%
|
6.40%
|
6.70%
|
6.90%
|
||
| Interest paid monthly | 1.85% |
6.10%
|
6.35%
|
6.65%
|
6.85%
|
||
Interest rates quoted on a per annum basis and subject to change without notice. Interest is calculated daily and paid or credited as specified. Exact term in months or maturity date must be specified when applying for Term Deposits.
*Interest rate quotes will be provided on application for amounts greater than $500,000.
| Fixed Rate Farm Management Deposit Interest Rates | ||||
| $5,000 - $49,999 | $50,000 - $400,000 | |||
| 12 month | 24 month | 12 month | 24 month | |
| Interest paid annually | 6.55% | 6.55% | 6.55% | 6.55% |
| Interest paid quarterly | 6.40% | 6.40% | 6.40% | 6.40% |
| Interest paid monthly | 6.30% | 6.30% | 6.30% | 6.30% |
Interest rates quoted on a per annum basis and subject to change without notice. Interest is calculated daily and paid or credited as specified. Minimum deposit $5,000. Maximum aggregate balance is $400,000 for all FMDs. No additional deposits will be accepted on the Fixed Rate FMD product. Other eligibility criteria apply.
| Short Term Fixed Rate Farm Management Deposit Interest Rates | ||||
| $5,000 - $49,999 | $50,000 - $400,000 | |||
| 3 month | 6 month | 3 month | 6 month | |
| Interest at maturity | 5.50% | 6.15% | 5.50% | 6.15% |
Interest rates quoted on a per annum basis and subject to change without notice. Interest is calculated daily and paid or credited at maturity. Minimum deposit $5,000. Maximum aggregate balance is $400,000 for all FMDs. No additional deposits will be accepted on the Fixed Rate FMD product. Other eligibility criteria apply.
| Variable Rate Farm Management Deposit | ||
| $1,000 - $49,999 | $50,000 - $400,000 | |
| Interest paid annually | 3.80% | 4.25% |
Interest rates quoted on a per annum basis and subject to change without notice. Interest is calculated daily and paid and credited as specified. Minimum deposit $1,000. Maximum aggregate balance is $400,000 for all FMDs. Other eligibility criteria apply.
Rates apply for AgriManager accounts with a credit (positive) balance. Interest rates quoted on a per annum basis and subject to change without notice. Interest on AgriManager® accounts is variable, calculated daily on a tiered basis and credited to the account at the same frequency as debit interest (monthly, quarterly or six-monthly).
| Seasonal and Business Cheque Account Deposit Interest Rates | ||||||
| $500 to $4,999 | $5,000 to $9,999 | $10,000 to $49,999 | $50,000 to $149,999 | $150,000 to $249,000 | $250,000+ | |
| 0.60% | 0.60% | 0.80% | 2.50% | 3.25% | 3.25% | |
Rates apply for Seasonal and Business Cheque Accounts with a credit (positive) balance. Interest rates quoted on a per annum basis and subject to change without notice. Interest rates on Seasonal and Business Cheque Accounts is variable, calculated daily on a tiered basis and credited to the account at the same frequency as debit interest (either monthly, quarterly or six-monthly).
Products No Longer Offered
Applicable to existing accounts only. Interest rates quoted on a per annum basis and subject to change without notice. Interest on Cash Management Accounts is variable, calculated daily on a tiered basis and credited to the account on the first of the following month.
| Interest Earning at Call Deposit Interest Rates | ||||||
| $500 to $4999 | $5,000 to $9,999 | $10,000 to $49,999 | $50,000 to $149,999 | $150,000 to $249,999 | $250,000+ | |
| 0.00% | 0.10% | 0.25% | 0.75% | 0.75% | 1.00% | |
Applicable to existing accounts only. Interest rates quoted on a per annum basis and subject to change without notice. Interest on Interest Earning at Call Deposit rates is variable, calculated daily on a tiered basis and credited on the first day of the following month.
| Money For Living Interest Rates | |||||||
| $5,000 to $9,999 | $10,000 to $19,999 | $20,000 to $49,999 | $50,000 to $249,999 | $250,000+ | |||
| 0.60% | 0.80% | 2.75% | 3.25% | 3.55% | |||
Applicable to existing accounts only. Interest rates quoted on a per annum basis and subject to change without notice. Interest on Money For Living accounts is variable, calculated daily on a tiered basis and credited on the first day of the following month.
| Floating Rate Farm Management Deposit Interest Rates | |
| Floating rate | |
| Interest paid annually | 4.63% |
| Interest paid quarterly | 4.53% |
| Interest paid monthly | 4.48% |
Interest rates quoted on a per annum basis and subject to change without notice. Interest is calculated daily. Rate reviewed every 3 months (February, May, August and November). Minimum balance $1,000. Maximum aggregate balance is $400,000 for all FMDs. Other eligibility criteria apply.
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