Interest Rates

Transactional Accounts

Everyday Account

Rural Bank ONE Products

Rural Bank ONE Saver Account
Rural Bank ONE Term Deposit
Rural Bank ONE Farm Management Deposit

Savings & Investment Products

Gold Cash Management Account
Term Deposit
Farm Management Deposit
AgriManager
Seasonal Accounts

Other Products

Products no longer offered

Effective 9 May 2012 - Interest rates are subject to change without notice.

Transactional Accounts

Everyday Account 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+
Everyday Account*	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%
Everyday Community Account**	0.15%	0.15%	0.50%	0.75%	1.00%	1.00%
* 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.

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Rural Bank ONE Products

Rural Bank ONE Saver Account Interest Rates
	$0 - $4,999	$5,000 - $2,000,000
Rural Bank ONE Personal Saver	4.50%	4.50%
Rural Bank ONE Business Saver (including DIY Super)	0.00%	4.10%
Interest rates quoted on a per annum basis and subject to change without notice. Rural Bank ONE Saver rates are variable, calculated daily and credited monthly on the first day of the following month. Applications for the Rural Bank ONE Saver Account can be made via www.ruralbankone.com.au.

Rural Bank ONE Term Deposit Interest Rates
	$500 - $1,000,000*
Personal Term Deposit
3 month Rural Bank ONE Personal Term Deposit	5.40%
6 month Rural Bank ONE Personal Term Deposit	5.30%
12 month Rural Bank ONE Personal Term Deposit	5.20%
Business Term Deposit
3 month Rural Bank ONE Business Term Deposit	5.40%
6 month Rural Bank ONE Business Term Deposit	5.30%
12 month Rural Bank ONE Business Term Deposit	5.20%
DIY Super Term Deposit
3 month Rural Bank ONE DIY Super Term Deposit	5.40%
6 month Rural Bank ONE DIY Super Term Deposit	5.30%
12 month Rural Bank ONE DIY Super Term Deposit	5.20%
Interest rates quoted on a per annum basis and subject to change without notice. Interest on Rural Bank ONE Term Deposits is calculated daily and paid at maturity. *Minimum Deposit $500, for interest rates on deposits over $1 million call us on 1300 660 115 or email us. Applications for the Rural Bank ONE Term Deposit can be made via www.ruralbankone.com.au

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Rural Bank ONE 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	5.35%	5.50%	5.35%	5.50%
Interest paid quarterly	5.20%	5.35%	5.20%	5.35%
Interest paid monthly	5.15%	5.30%	5.15%	5.30%
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. Applications for Rural Bank ONE Farm Management Deposit can be made via www.ruralbankone.com.au

Rural Bank ONE 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	5.30%	5.40%	5.30%	5.40%
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. Applications for Rural Bank ONE Farm Management Deposit can be made via www.ruralbankone.com.au

Rural Bank ONE Variable Rate Farm Management Deposit
	$1,000 - $49,999	$50,000 - $400,000
Interest paid annually	3.00%	3.50%
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 $1,000. 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. Applications for Rural Bank ONE Farm Management Deposit can be made via www.ruralbankone.com.au

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Savings and Investment Products

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	2.25%	2.75%	3.50%	3.50%	3.75%
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.

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Rural Bank ONE Term Deposit Interest Rates
	$500 - $1,000,000*
Personal Term Deposit
3 month Rural Bank ONE Personal Term Deposit	5.40%
6 month Rural Bank ONE Personal Term Deposit	5.30%
12 month Rural Bank ONE Personal Term Deposit	5.20%
Business Term Deposit
3 month Rural Bank ONE Business Term Deposit	5.40%
6 month Rural Bank ONE Business Term Deposit	5.30%
12 month Rural Bank ONE Business Term Deposit	5.20%
DIY Super Term Deposit
3 month Rural Bank ONE DIY Super Term Deposit	5.40%
6 month Rural Bank ONE DIY Super Term Deposit	5.30%
12 month Rural Bank ONE DIY Super Term Deposit	5.20%
Interest rates quoted on a per annum basis and subject to change without notice. Interest on Rural Bank ONE Term Deposits is calculated daily and paid at maturity. *Minimum Deposit $500, for interest rates on deposits over $1 million call us on 1300 660 115 or email us. Applications for the Rural Bank ONE Term Deposit can be made via www.ruralbankone.com.au

Blackboard Special 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	$500,000 +
3 month*	0.75%	5.30%	5.30%	5.30%	5.30%	See money market
6 month*	1.25%	5.20%	5.20%	5.20%	5.20%
12 month*	2.00%	5.10%	5.10%	5.10%	5.10%
* 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	$500,000 +
1 month	0.75%	2.25%	2.50%	2.75%	3.00%	See money market
2 months	0.75%	2.25%	2.50%	2.75%	3.00%
3 months	0.75%	5.30%	5.30%	5.30%	5.30%
4 months	0.75%	2.25%	2.50%	2.75%	3.00%
5 months	0.75%	2.25%	2.50%	2.75%	3.00%
6 months	1.25%	5.20%	5.20%	5.20%	5.20%
9 months	1.25%	2.55%	2.80%	3.15%	3.25%
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.

Long Term Deposit Interest Rates
	$500 to $4,999	$5,000 to $24,999	$25,000 to $49,999	$50,000 to $149,000	$150,000 to $500,000	$500,000 +
12 Month Term Deposit
Interest paid annually	2.00%	5.10%	5.10%	5.10%	5.10%	See money market
Interest paid quarterly	1.90%	5.00%	5.00%	5.00%	5.00%
Interest paid monthly	1.85%	4.95%	4.95%	4.95%	4.95%
24 Month Term Deposit
Interest paid annually	2.00%	4.45%	4.70%	5.00%	5.20%	See money market
Interest paid quarterly	1.90%	4.35%	4.60%	4.90%	5.10%
Interest paid monthly	1.85%	4.30%	4.55%	4.85%	5.05%
36 Month Term Deposit
Interest paid annually	2.00%	4.55%	4.80%	5.10%	5.30%	See money market
Interest paid quarterly	1.90%	4.45%	4.70%	5.00%	5.20%
Interest paid monthly	1.85%	4.40%	4.65%	4.95%	5.15%
48 Month Term Deposit
Interest paid annually	2.00%	4.65%	4.90%	5.20%	5.40%	See money market
Interest paid quarterly	1.90%	4.55%	4.80%	5.10%	5.30%
Interest paid monthly	1.85%	4.50%	4.75%	5.05%	5.25%
60 Month Term Deposit
Interest paid annually	2.00%	4.75%	5.00%	5.30%	5.50%	See money market
Interest paid quarterly	1.90%	4.65%	4.90%	5.20%	5.40%
Interest paid monthly	1.85%	4.60%	4.85%	5.15%	5.35%
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.

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Rural Bank ONE 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	5.35%	5.50%	5.35%	5.50%
Interest paid quarterly	5.20%	5.35%	5.20%	5.35%
Interest paid monthly	5.15%	5.30%	5.15%	5.30%
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. Applications for Rural Bank ONE Farm Management Deposit can be made via www.ruralbankone.com.au

Rural Bank ONE 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	5.30%	5.40%	5.30%	5.40%
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. Applications for Rural Bank ONE Farm Management Deposit can be made via www.ruralbankone.com.au

Rural Bank ONE Variable Rate Farm Management Deposit
	$1,000 - $49,999	$50,000 - $400,000
Interest paid annually	3.00%	3.50%
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 $1,000. 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. Applications for Rural Bank ONE Farm Management Deposit can be made via www.ruralbankone.com.au

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	5.25%	5.40%	5.25%	5.40%
Interest paid quarterly	5.10%	5.25%	5.10%	5.25%
Interest paid monthly	5.05%	5.20%	5.05%	5.20%
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	5.20%	5.30%	5.20%	5.30%
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	3.00%	3.50%
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.

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AgriManager® and Business Manager 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 $249,999	$250,000+
0.00%	0.10%	0.50%	1.50%	2.50%	2.50%
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 $249,999	$250,000+
0.10%	0.10%	0.10%	1.25%	1.75%	1.75%
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).

Debit Interest Rate

All debit balances	19.90%
Applies to any unauthorised overdrawn balance on Everyday, Gold Cash Management, Money For Living, Interest Earning at Call, Seasonal (with no credit facility) and Seasonal Plus accounts. Quoted interest rate is on a per annum basis, variable and subject to change without notice. Interest is calculated daily on the closing balance and charged monthly.

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Products No Longer Offered

Cash Management Account Interest Rates>
	$5,000 to $9,999	$10,000 to $19,999	$20,000 to $49,999	$50,000 to $149,999	$150,000 to $249,999	$250,000+
Cash Management Account	0.05%	0.20%	1.00%	1.75%	2.50%	2.50%
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%	0.05%	0.05%	0.10%	0.10%	0.10%
Applicable to existing accounts only.

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+
0.05%	0.05%	1.75%	2.25%	2.50%
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	4.00%
Interest paid quarterly	3.90%
Interest paid monthly	3.85%
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.

RBonline Savings Account
	All Amounts
RBonline Savings Account	4.50%
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.

RBonline Term Deposit Account
	All Amounts
3 month RBonline Term Deposit	5.40%
6 month RBonline Term Deposit	5.30%
12 month RBonline Term Deposit	5.20%
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.

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Interest Rates

Transactional Accounts

Rural Bank ONE Products

Savings and Investment Products

Products No Longer Offered

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