Compare Bank Interest Rates Online

Rates and Fees verified correct on March 30th, 2017

Compare bank interest rate online

Comparing online may give you a better opportunity to snag a lower interest rate.

Comparing interest rates from the banks is free and easy with finder.com.au. You can sort financial products by the lowest interest rate by simply clicking the arrow on the interest rate column. You can also apply online for these financial products including for every personal and financial situation.

Today's interest rates

Compare the rates in the table below .

TypeInterest RateComparison Rate
Variable3.54% p.a.3.55% p.a.
1 Year Fixed3.69% p.a.4.06% p.a.
2 Year Fixed3.69% p.a.3.99% p.a.
3 Year Fixed3.69% p.a.3.92% p.a.
5 Year Fixed3.94% p.a.4.06% p.a.

Please note these interest rates are an average representation and may not be available to you. You should consult a financial planner before considering any if financial products are right for you.

Compare bank interest rates for a range of products

Compare home loans

Rates last updated March 29th, 2017.

HSBC Home Value Loan - Resident Owner Occupier only

Application fee waived for Resident Owner Occupier only.

February 15th, 2017

State Custodians Line Of Credit Loan - LVR 80% to 90% (Owner Occupier)

Interest rate increased by 0.10%

February 27th, 2017

Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer ($150,000+ Owner Occupier)

Interest rate increases by 0.10%

February 27th, 2017

View latest updates

Jodie Humphries Jodie
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
HSBC Home Value Loan - Resident Owner Occupier only
Enjoy the low variable rate with $0 ongoing fee and borrow up to 90% LVR.
3.75% 3.77% $0 $0 p.a. 90% Go to site More info
NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier)
A fixed rate package loan with flexible repayments options.
3.98% 4.97% $0 $395 p.a. 95% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤85% ($150K+ Owner Occupier)
Discount off an already competitive interest rate for loans over $150k. NSW, QLD and ACT residents only.
3.59% 4.42% $0 $375 p.a. 85% Go to site More info
State Custodians Standard Variable - LVR 80% (Owner Occupier)
Special Owner Occupier Rate. Free Offset Account.
3.69% 4.03% $0 $299 p.a. 80% Go to site More info
CUA Fresh Start Basic Variable Home Loan - Owner Occupier
A basic mortgage with flexible repayments options.
3.99% 4.04% $795 $0 p.a. 90% Go to site More info
Beyond Bank Low Rate Special Home Loan
A special low variable rate for Owner Occupier with 100% offset account and no application or ongoing fees.
3.83% 3.83% $0 $0 p.a. 70% Go to site More info
State Custodians Standard Variable - LVR 90% (Owner Occupier)
A special rate for owner occupiers with free 100% offset account and no application fee.
3.79% 4.12% $0 $299 p.a. 90% Go to site More info
Switzer Home Loan
No upfront or ongoing fees and a competitive variable rate for owner occupiers.
3.89% 3.89% $0 $0 p.a. 90% Go to site More info
loans.com.au Essentials - Variable (Owner Occupier, P&I)
A low-interest rate loan suited for purchases and refinances with no application or ongoing fees.
3.59% 3.61% $0 $0 p.a. 80% Go to site More info
Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer ($150,000+ Owner Occupier)
Apply for a new owner occupier loan or refinance from another lender and receive this discounted rate.
3.84% 4.22% $0 $395 p.a. 95% Go to site More info
Greater Bank Great Rate Discount Variable with Family Pledge Home Loan - Up to 110% LVR
Discounted rate available with family pledge loans. Family pledge loans require no LMI and no deposit. NSW, Qld and ACT only.
3.89% 3.89% $0 $0 p.a. 110% Go to site More info
State Custodians Line Of Credit Loan - LVR 80% to 90% (Owner Occupier)
Borrow up to 90% property value and pay no application fee.
3.79% 4.12% $0 $299 p.a. 90% Go to site More info
loans.com.au Offset Variable - Up to 80% LVR (Owner Occupier P&I)
Take advantage a 100% offset account along with no annual or application fee.
3.67% 3.69% $0 $0 p.a. 80% Go to site More info
IMB Budget Home Loan - LVR <=90% (Owner Occupier)
A competitive budget rate without any unwanted bells and whistles.
3.87% 3.92% $445 $0 p.a. 90% Go to site More info
3.79% 3.81% $0 $0 p.a. 95% Go to site More info

Compare more home loans

Compare credit cards

Rates last updated March 29th, 2017.

St.George Vertigo Visa

Balance transfer offer has been changed to 0% p.a. for 12 months and is valid until 1 May 2017.

February 21st, 2017

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 18 months balance transfer offer has been extended until 3 April 2017.

February 28th, 2017

Qantas American Express Ultimate Card

Bonus points offer changed from 50,000 to 75,000 plus new earn rates have applied.

March 7th, 2017

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Velocity Frequent Flyer Offer with a Balance Transfer and earn Bonus Velocity Points
Earn 2 Velocity Points per $1 spent and save with a reduced annual fee and a 0% p.a. balance transfer offer for 18 months.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Annual Fee Refund
This platinum card caters for those who want high credit limits and personal concierge service. The annual fee is refunded each year when you spend $6,000 on eligible purchases.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
American Express Essential®  Credit Card
Smartphone Screen Insurance, $0 Annual Fee and 0% Balance Transfer
Receive a $50 credit when you spend $750 on your new card within the first 3 months from card approval and a 0% p.a. balance transfer rate for 12 months. Plus enjoy no annual fee for life.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Citi Rewards Platinum Credit Card
Platinum Card with 0% for 24 months Balance Transfer offer
A long-term balance transfer offer with complimentary international travel insurance and access to Citi cardholder benefits.
20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Exclusive Offer to finder.com.au
Receive 0% p.a. for 12 months on balance transfers and 0% p.a. for 3 months on purchases, combined with an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
St.George Vertigo Visa

0% p.a. Balance Transfer for 12 months

A long term balance transfer offer, together with a low annual fee.
0% p.a. for 6 months (reverts to 13.24% p.a.) 0% p.a. for 12 months $55 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Qantas Frequent Flyer Credit Card
The HSBC Platinum Qantas Credit Card offers a competitive earn rate on purchases. Bonus 60,000 Qantas Points offer on eligible spend within 3 months.
19.99% p.a. $199 p.a. Go to site More info
Qantas American Express Ultimate Card
Enjoy 75,000 bonus Qantas Points when you meet the spend criteria plus 75 Bonus Status Credits when you book and fly back with Qantas. Earn up to 2.5 Qantas Points per $1 spent on eligible purchases.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
HSBC Low Rate Credit Card
0% p.a. Balance Transfer Offer
Enjoy a balance transfer offer of 0% p.a. for 15 months and a low purchase rate of 13.25% p.a..
13.25% p.a. 0% p.a. for 15 months with 2% balance transfer fee $55 p.a. Go to site More info
ANZ Frequent Flyer Black
Black Credit Card with Bonus Points Offer
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months. Enjoy 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
NAB Low Rate Credit Card
Low Balance Transfer Offer
The NAB Low Rate Credit Card offers 0% p.a. on balance transfers for 18 months. This card also comes with a low annual fee.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $59 p.a. Go to site More info
NAB Premium Card
Platinum Credit Card with Balance Transfer
Enjoy Platinum credit card advantages including travel insurance for up to 6 months. Low introductory interest rate on balance transfers for 24 months.
19.74% p.a. 0% p.a. for 24 months with a one off 3% balance transfer fee $90 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Platinum Qantas Frequent Flyer Credit Card
Get 50,000 bonus Qantas Points when you spend $2,500 on eligible purchases for the first three months from card approval, plus enjoy a waived annual fee for the first year.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Bankwest Breeze MasterCard
Low Rate Credit Card Offer
Take advantage of a long term balance transfer offer of 0% p.a. for 21 months and a low annual fee. Limited time only.
12.99% p.a. 0% p.a. for 21 months with 2% balance transfer fee $59 p.a. Go to site More info

Compare and learn more about credit cards

Compare personal loans

Rates last updated March 30th, 2017
$
Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Repayment
NOW FINANCE Personal Loans
Get rewarded with a low interest rate for your good credit history.
From 9.95% (fixed) 11.41% $4,000 1.5 to 7 years $395 (Based on $10,000) Go to site More
Latitude Personal Loans (Unsecured)
An unsecured loan designed for multiple purposes – renovating, buying a car or travelling. Funds can be in your count in as little as 24 hours.
From 13.99% (fixed) 15.2% $3,000 2 to 7 years $250 (Loans under $4000 - $140) Go to site More
Citi Personal Loan Plus
Borrow up to $75,000 with this personal loan offer from Citi.
From 11.99% (variable) 12.77% $5,000 3 to 5 years $199 (monthly fees waived in the first year) Go to site More
ANZ Fixed Rate Personal Loan
A flexible loan option that lets you pay off your debt, buy a car, fix up your house or cover travel costs.
From 13.95% (fixed) 14.81% $5,000 1 to 7 years $150 Go to site More
MoneyPlace P2P Loan
Interest rates from 8.90% p.a to 17.25% p.a. Comp rates from 8.90% p.a to 19.01% p.a depending on your credit score.
From 8.9% (fixed) 8.9% $5,000 3 to 5 years 0% - 3.75% of loan amount Go to site More
SocietyOne Unsecured Personal Loan
Interest rates for a 3 year loan range from 7.88% p.a. to 25.49% p.a. Comparison rate from 9.9% p.a. to 26.74% p.a. depending on your credit score
From 7.88% (fixed) 9.9% $5,000 2 to 5 years 3% (of loan amount) Go to site More
St.George Get Set Loan Personal Loan
A revolving line of credit that lets you access your funds as and when you need to.
From 17% (variable) $5,000 $150 Go to site More
St.George Unsecured Personal Loan - Variable Rate
The Variable Rate Unsecured Personal Loan St.George lets you borrow up to $40,000 for a period of up to 7 years.
From 12.99% (variable) 13.87% $3,000 1 to 7 years $195 Go to site More

Compare and find out more about personal Loans

Compare savings accounts

Rates last updated March 29th, 2017.

ANZ Online Saver

Bonus interest rate was changed from 1.60% to 1.40%

December 23rd, 2016

Westpac Reward Saver

Introductory interest rate was changed from 1.84% to 1.74%

December 23rd, 2016

Westpac eSaver

Ongoing interest rate was changed from 1.25% to 1.05%

December 23rd, 2016

View latest updates

Debbie Mariano Debbie
$
$
months
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
ING DIRECT Savings Maximiser
Ongoing, variable 3.00% p.a. when you link to an ING Orange Everyday bank account and deposit $1,000+ each month. Available on balances up to $100,000.
3.00% 1.60% 1.40% $0 $0 / $0 Go to site More
ME Online Savings Account
Ongoing, variable 3.05% p.a. rate when you link to a ME Everyday Transaction account and make a weekly purchase with your Debit MasterCard using tap & go. Available on balances up to $250,000.
3.05% 1.30% 1.75% $0 $0 / $0 Go to site More
Bankwest Hero Saver
Ongoing, variable 2.65% p.a. rate when you deposit at least $200 each month and make no withdrawals. Available on balances up to $250,000.
2.65% 0.01% 2.64% $0 $0 / $0 Go to site More
Bank Australia Bonus Saver Account
Ongoing, variable 2.60% p.a. when you deposit at least $100 and make no withdrawals. Available on the entire balance.
2.60% 0.15% 2.45% $0 $0 / $1 Go to site More
CUA eSaver Boost Account
Ongoing, variable 2.95% p.a. when you make a total deposit of at least $250 and no withdrawals in a calendar month. Available on balances up to $500,000.
2.95% 0.50% 2.45% $0 $0 / $0 Go to site More
HSBC Serious Saver
Introductory rate of 2.25% p.a. for 4 months, reverting to a rate of 1.60% p.a. Available on balances below $1,000,000.
2.25% 1.60% 0.65% $0 $0 / $0 Go to site More
ING DIRECT Savings Accelerator
Ongoing, variable 2.35% p.a. applies on balances $150,000 and over.
2.35% 2.35% 0.00% $0 $0 / $0 Go to site More
Bank Australia mySaver Account
Ongoing, variable 2.60% p.a. when you deposit $10+ each month. Available on the entire balance and to customers under the age of 25.
2.60% 0.15% 2.45% $0 $0 / $10 Go to site More
NAB Reward Saver
Ongoing, variable 2.55% p.a. each money you make no withdrawals and at least one deposit by the second last banking day of the month. Available on balances up to $5,000,000.
2.55% 0.50% 2.05% $0 $0 / $0 Go to site More
Westpac eSaver
Introductory rate of 2.51% p.a. for 5 months, reverting to a rate of 1.05% p.a. Available on the entire balance.
2.51% 1.05% 1.46% $0 $0 / $0 Go to site More
BankSA Incentive Saver Account
Ongoing, variable 1.75% p.a. when you make at least one deposit each month and no withdrawals. Available on the entire balance.
1.75% 0.01% 1.74% $0 $0 / $0 Go to site More
BankSA Maxi Saver
Introductory rate of 2.75% p.a. for 3 months, reverting to a rate of 1.00% p.a. Available on the entire balance.
2.75% 1.00% 1.75% $0 $1 / $1 Go to site More
Bank Australia Online Saver Account
Ongoing, variable rate up to 1.65% p.a. when you link to a Bank Australia Everyday Access or Pension Access or a mortgage offset account. Available on balances more than $5,000.
1.65% 1.65% 0.00% $0 $150,000 / $5,000 Go to site More
ANZ Progress Saver
Ongoing, variable 1.81% p.a. when you link to any Australian everyday bank account and deposit $10+ each month. Available on the entire balance.
1.81% 0.01% 1.80% $0 $10 / $10 Go to site More
NAB iSaver
Introductory rate of 1.90% p.a. for 4 months, reverting to a rate of 1.20% p.a. Available on balances below $1,000,000.
1.90% 1.20% 0.70% $0 $0 / $0 Go to site More

Compare and learn about bank accounts

Compare savings accounts

Rates last updated March 29th, 2017.

Bank of Melbourne Term Deposit

Interest rate for 3 months was changed from 2.40% to 2.20%

October 8th, 2016

BankSA Term Deposit

Interest rate for 3 months was changed from 2.40% to 2.20%

October 18th, 2016

St.George Term Deposit

Interest rate for 12 months was increased from 2.55% to 2.60%

December 1st, 2016

View latest updates

Debbie Mariano Debbie
$
3 Mths p.a. 4 Mths p.a. 6 Mths p.a. 12 Mths p.a. 24 Mths p.a. 36 Mths p.a. 48 Mths p.a. 60 Mths p.a. Min Deposit Interest Earned
Citibank Term Deposit ($75,000)
Citibank Term Deposit ($75,000)
2.50% 2.50% 2.80% 2.35% 2.35% 2.35% 2.35% 2.35% $75,000 Go to site More
St.George Term Deposit
St.George Term Deposit
2.10% 2.00% 2.20% 2.55% 2.60% 3.20% 2.80% 2.95% $1,000 Go to site More
BankSA Term Deposit
BankSA Term Deposit
2.10% 2.00% 2.20% 2.55% 2.60% 3.20% 2.80% 2.95% $1,000 Go to site More
ME Term Deposit
ME Term Deposit
2.50% 2.50% 2.75% 2.90% 3.00% 3.00% 3.00% 3.00% $1,000 Go to site More
Bank of Melbourne Term Deposit
Bank of Melbourne Term Deposit
2.10% 2.00% 2.20% 2.55% 2.60% 3.20% 2.80% 2.95% $1,000 Go to site More
Firstmac Term Deposit
Firstmac Term Deposit
2.75% - 2.75% 2.85% 2.75% - - - $5,000 Go to site More
Bankwest Online Term Deposit
Bankwest Online Term Deposit
2.35% 1.50% 2.55% 2.60% 2.60% 2.60% 2.65% 2.65% $1,000 Go to site More

Compare term deposits

How to compare home loan interest rates

A feature of finder.com.au is that there is a graph on the bottom of each product page showing how closely the variable interest rate movements have followed movements in the RBA cash rate. Also, each home loan product will display a graph indicating how many loan products have higher and lower interest rates.

One advantage of comparing online rather than comparing mortgages using a mortgage broker is that online comparison websites tend to have a range of online home loans with lower interest rates than can be offered by mortgage brokers.

The reason interest rates for online home loans are so low is that they don’t pay the high costs of branch networks nor do they pay expensive mortgage broker commissions, says Heidi Armstrong, Director of Operations at State Custodians.


How do interest rates impact me?

Interest rates determine how much your repayments are for whatever debt you’ve incurred. For example, if your home loan interest rate goes down, your regular repayments will drop as well. And if your lender doesn’t have as low an interest rate as you’d like, you can refinance to save money on those regular repayments.

To calculate the impact of different types of loans on your monthly repayments, you may to use our range of calculators.

Learn more and check out our range of calculators here

Gain insights on the RBA cash rate

We poll the nation’s top economists each month on where they think the RBA cash rate is heading next and also take their temperature on our economy and housing market. If you can’t make sense of how the financial markets and economy reports on the nightly news affect your home loan, our economists tell it to you straight about the impacts that really matter without the confusing jargon and ever-moving indexes.

We also track the standard variable interest rates from a range of lenders to give you an indication of whether they have been passing on the spell of recent Reserve Bank of Australia cash rate cuts. You can see for yourself which banks are loyal to their customers by passing on interest rate savings, rather than just offering discounts for new customers.

RBA cash rate analysis

What lenders are compared?

We compare hundreds of home loans from the major banks, to mutual banks, credit unions and building societies to online home loan providers. If you like choice and getting the best deal, it is well worth comparing home loans on finder.com.au.

Learn more and start Comparing home loans now

Marc Terrano

A passionate publisher who loves to tell a story. Learning and teaching personal finance is his main lot at finder.com.au. Talk to him to find out more about home loans.

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Related Posts

HSBC Home Value Loan - Resident Owner Occupier only

Enjoy the low variable rate with $0 ongoing fee and borrow up to 90% LVR.

loans.com.au Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 3.59%p.a.
comp rate of 3.61%p.a.

Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤85% ($150K+ Owner Occupier)

Discount off an already competitive interest rate for loans over $150k. NSW, QLD and ACT residents only.

Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer ($150,000+ Owner Occupier)

Apply for a new owner occupier loan or refinance from another lender and receive this discounted rate.

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