Internet Banking

our Interest rates

Savings and investments

Effective 20 June 2013 - Interest rates are subject to change without notice.

Online saver account interest rates

Personal Online Saver Account (Rural Bank ONE)

$0 - $4,999

1.20% p.a.

$5,000 - $2,000,000

1.20% p.a.

Business / DIY Super Online Saver Account (Rural Bank ONE)

$5,000 - $2,000,000

1.20% p.a.

Interest rates quoted on a per annum basis. Interest rates are current as of 17 July 2019 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.

Gold Cash Management Account interest rates

Gold Cash Management Account - Interest paid monthly

$5,000 to $19,999

0.10%

$20,000 to $49,999

0.25%

$50,000 to $99,999

0.75%

$100,000 to $249,999

0.75%

$250,000 +

1.00%

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 rates on AgriManager® credit balances

AgriManager® and Business Manager account deposit

$500 to $4,999

0.00%

$5,000 to $9,999

0.05%

$10,000 to 49,999

0.05%

$50,000 to $149,999

0.05%

$150,000 to $249,999

0.05%

$250,000 +

0.05%

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 Account deposit interest rates

Seasonal Account deposits

$500 to $4,999

0.05%

$5,000 to $9,999

0.05%

$10,000 to 49,999

0.05%

$50,000 to $149,999

0.05%

$150,000 to $249,999

0.05%

$250,000 +

0.05%

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).

Overdrawn interest rate

Overdrawn interest rate

All overdrawn 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.