Below are interest rates for our deposit accounts, home loans as well as our older 'grandfathered' accounts.
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Everyday Banking
Everyday Options
| Minimum Balance | Annual Interest Rate |
|---|---|
| $0.01 and over |
0.01% p.a. |
Interest is calculated daily and paid half yearly.
Everyday Options Sub-Account
| Minimum Balance | Annual Interest Rate |
|---|---|
| $0.01 and over (excluding flexiRate balances) |
4.75% p.a. |
Variable interest rate. Interest is calculated daily. Standard interest is paid monthly.
55 Plus Account
| Minimum Balance | Annual Interest Rate |
|---|---|
| $42,000 and over |
4.50% p.a. |
| $2000 - $41,999 |
3.00% p.a. |
| $1 - $1,999 | 0.01% p.a. |
Interest is calculated daily and paid monthly on a stepped basis.
You are paid interest for that part of your account balance that falls within each range, at the rate applicable to that range.
Everyday Basics
| Minimum Balance | Annual Interest Rate |
|---|---|
| $0.01 and over | No Interest |
Savings Accounts
eOptions
| Interest Type | Annual Interest Rate |
|---|---|
| Standard Interest (excluding flexiRate balances) |
4.75% p.a. |
Variable interest rate. Interest is calculated daily. Standard interest is paid monthly.
Kids Savings Account
| Minimum Balance | Standard Rate | Bonus Rate | *With Bonus Interest |
|---|---|---|---|
| $0.01 and over | 1.50% p.a. | 4.00% p.a. | 5.50% p.a. |
Interest is calculated daily and paid monthly.
* Bonus interest rate of 4.00% p.a. is paid when at least $20 in combined deposits is made each month, and when no more than one withdrawal is made per month.
flexiRates
Below flexiRates are applicable for 55+ accounts, Everyday Options sub accounts and eOptions accounts.
flexiRates
| Interest Type | Annual Interest Rate |
|---|---|
| 3 months | 5.55% p.a. |
| 6 months | 6.20% p.a. |
| 12 months# or choose your own end date, log onto Internet Banking for today's rates |
6.40% p.a. |
| 4 months special | 5.70% p.a. |
Interest is calculated daily on the whole balance of the nominated flexiRate amount and paid at the end of the flexiRate period. flexiRate interest is fixed for the nominated flexiRate period. The maximum flexiRate period is 1 year. An interest adjustment will apply if we allow you to release your flexiRate early.
Term Deposits
Term Deposit
| Term | Int Paid | $1,000-$9999 | $10,000-$24,999 | $25,000-$49,999 | $50,000+ |
|---|---|---|---|---|---|
| 1 Month | Maturity | 2.00% p.a. | 3.50% p.a. | 4.30% p.a. | 4.50% p.a. |
| 2 Months | Maturity | 2.25% p.a. | 3.75% p.a. | 4.55% p.a. |
4.75% p.a. |
| 3 Months | Maturity | 2.50% p.a. | 4.00% p.a | 4.80% p.a. | 5.00% p.a. |
| 4 Months | Maturity | 2.95% p.a. | 5.45% p.a. | 5.45% p.a. | 5.45% p.a. |
| 5 Months | Maturity | 2.60% p.a. | 4.10% p.a. | 4.90% p.a. | 5.10% p.a. |
| 6 Months | Maturity | 2.60% p.a. | 4.10% p.a. | 4.90% p.a. | 5.10% p.a. |
| 7 Months | Maturity | 2.60% p.a. | 4.10% p.a. | 4.90% p.a. | 5.10% p.a. |
| 8 Months | Maturity | 2.60% p.a. | 4.10% p.a. | 4.90% p.a. | 5.10% p.a. |
| 9 Months | Maturity | 2.60% p.a. | 4.10% p.a. | 4.90% p.a. | 5.10% p.a. |
| 10 Months | Maturity | 2.60% p.a. | 4.10% p.a. | 4.90% p.a. | 5.10% p.a. |
| 11 Months | Maturity | 2.60% p.a. | 4.10% p.a. | 4.90% p.a. | 5.10% p.a. |
| 12 Months | Maturity | 3.55% p.a. | 6.05% p.a. | 6.05% p.a. | 6.05% p.a. |
| 24 Months | Yearly | 3.50% p.a. | 5.00% p.a. | 5.80% p.a. | 6.00% p.a. |
| 36 Months | Yearly | 4.25% p.a. | 6.75% p.a. | 6.75% p.a. | 6.75% p.a. |
| 48 Months | Yearly | 4.15% p.a. | 5.65% p.a. | 6.45% p.a. | 6.65% p.a. |
| 60 Months | Yearly | 4.50% p.a. | 6.00% p.a. | 6.80% p.a. | 7.00% p.a. |
Minimum investment $1,000.
Negotiated Rates available for amounts over $100,000.
Interest paid at maturity for terms up to 12 months.
Monthly interest payments are available on all terms from 2-60 months at 0.30% p.a. below the rates listed in the table above.
Quarterly interest payments are available on all terms 6-60 months at 0.25% p.a. below the rates listed in the table above.
Semi-annual interest payments are available on all terms 12-60 months, at 0.15% p.a. below the rates listed in the table above.
Yearly interest payments are available on terms 18-60 months.
An Interest adjustment will apply for early withdrawals.
Investment Accounts
Cash Management
| Minimum Balance | Annual Interest Rate |
|---|---|
| $500,000 plus |
4.45% p.a. |
| $100,000- $499,999 |
4.00% p.a. |
| $50,000 - $99,999 | 2.00% p.a. |
| $20,000 - $49,999 | 1.00% p.a. |
| $5,000 - $19,999 | 1.00% p.a. |
| $0 - $4,999 | 0.01% p.a. |
Interest is calculated daily and paid monthly on a tiered basis.
Wealth Cash Management
| Minimum Balance | Annual Interest Rate |
|---|---|
| $250,000 + | 4.50% p.a. |
| $20,000 - $249,999 | 3.70% p.a. |
| $1 - $19,999 | 2.25% p.a. |
Interest is calculated daily and paid monthly on a tiered basis.
This account is not part of Suncorp Bank’s standard deposit product offering. You can apply for this account if you open a Suncorp Share Trade account. Find out more
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Home Loans
Rates are applicable to both personal purposes and investment home loans unless otherwise specified.
Standard Variable Home Loan
| Loan Type | Reference Rate | Comparison Rate* |
|---|---|---|
| Variable# |
7.44% p.a. |
7.59% p.a. (based upon $150,000 over 25 years) |
#Low Doc Option is available on Standard Variable, Back to Basics, Asset Line, 1 Year Fixed, 2 Year Fixed, 3 Year Fixed and 5 Year Fixed. A Low Doc Margin is added to the standard reference rate displayed.
Back to Basics
| Loan Type | Reference Rate | Comparison Rate* |
|---|---|---|
| Variable Rate# |
6.86% p.a. |
6.91% p.a. |
#Low Doc Option is available on Standard Variable, Back to Basics, Asset Line, 1 Year Fixed, 2 Year Fixed, 3 Year Fixed and 5 Year Fixed. A Low Doc Margin is added to the standard reference rate displayed.
*Comparison rates based on $150,000 over 25 years.
Bridging Loan
| Loan Type | Reference Rate | Comparison Rate* |
|---|---|---|
| Bridging Loan | 7.59% p.a. | 7.71% p.a. |
*Comparison rates based on $150,000 over 25 years.
Fixed Rate Home Loans
| Loan Type | Reference Rate | Comparison Rate* |
|---|---|---|
| Introductory 1 Year Fixed Rate (reverts to the Standard Variable Loan rate at the expiry of the 12 month period) |
6.74% p.a. |
7.52% p.a. |
| 1 Year Fixed Rate# (reverts to the Standard Variable Loan rate at the expiry of the 1 year period) |
6.89% p.a. |
7.53% p.a. |
| 2 Year Fixed Rate# (reverts to the Standard Variable Loan rate at the expiry of the 2 year period) |
7.09% p.a. |
7.52% p.a. |
| 3 Year Fixed Rate# (reverts to the Standard Variable Loan rate at the expiry of the 3 year period) |
7.19% p.a. |
7.52% p.a. |
| 5 Year Fixed Rate# (reverts to the Standard Variable Loan rate at the expiry of the 5 year period) |
7.99% p.a. |
7.84% p.a. |
| 1 Year Interest In Advance (reverts to the Standard Variable Loan rate at the expiry of the 1 year period) |
6.74% p.a. | 6.94% p.a |
| 3 Year Interest In Advance (reverts to the Standard Variable Loan rate at the expiry of the 3 year period) |
7.04% p.a. | 7.84% p.a |
| 5 Year Interest In Advance (reverts to the Standard Variable Loan rate at the expiry of the 5 year period) |
7.84% p.a. | 8.39% p.a. |
#Low Doc Option is available on Standard Variable, Back to Basics, Asset Line, 1 Year Fixed, 2 Year Fixed, 3 Year Fixed and 5 Year Fixed. A Low Doc Margin is added to the standard reference rate displayed.
Asset Line
| Loan Type | Reference Rate |
|---|---|
| Asset Line# |
7.44%p.a. |
#Low Doc Option is available on Standard Variable, Back to Basics, Asset Line, 1 Year Fixed, 2 Year Fixed, 3 Year Fixed and 5 Year Fixed. A Low Doc Margin is added to the standard reference rate displayed.
Low Doc
| Margin Type | Margin |
|---|---|
| Low Doc | 0.15% p.a. |
Low Doc option is available for Standard Variable, Back to Basics, 1 Year, 2 Year, 3 Year and 5 Year Fixed and Asset Line. A Low Doc Customer Margin is applied to the Reference Rate for the relevant product displayed above.
Loan to Value margin
| Margin Type | Margin |
|---|---|
| Loan to Value | 0.20% p.a. |
A Loan to Value interest rate margin is added to standard reference rates displayed for Variable, Back to Basics, Asset Line and all Fixed rate home loans where you borrow 90% or more of the value of the property as determined by the Bank.
Share Loan
Margin Lending
| Loan Type | Annual Percentage Rate |
|---|---|
| Variable - less than $500,000 | 9.24% p.a. |
| Variable - $500,000 and over | 8.99% p.a. |
| 3, 6, 9 Month Fixed Rate - less than $500,000 | 8.85% p.a. |
| 3, 6, 9 Month Fixed Rate - $500,000 and over | 8.60% p.a. |
| 1 Year Fixed Rate - less than $500,000 | 8.10% p.a. |
| 1 Year Fixed Rate - $500,000 to $999,999 | 7.90% p.a. |
| 1 Year Fixed Rate - $1,000,000 and over | 7.70% p.a. |
| 2 Year Fixed Rate - less than $500,000 | 9.60% p.a. |
| 2 Year Fixed Rate - $500,000 and over | 9.50% p.a. |
Customers looking for Margin Lending Fixed Loan rates greater than 2 years, please contact the Account Management Team on 1800 805 972
Personal Finance
Personal Loan - Unsecured
| Loan Amount | Annual Percentage Rate | Comparison Rates* |
|---|---|---|
| $5,000 and over Personal loan interest rates can change at any time prior to a loan being funded (settlement) after which time the rate will be fixed for the Fixed Interest Period. |
13.90% p.a. |
16.18% p.a. (based upon $10,000 over 3 years) 14.49% p.a. (based upon $30,000 over 5 years) |
Secured Car Loans
| Loan Type | Annual Percentage Rate | Comparison Rates* |
|---|---|---|
| Secured Car Loans $5,000 and over Personal loan interest rates can change at any time prior to a loan being funded (settlement) after which time the rate will be fixed for the Fixed Interest Period. |
10.75% p.a. |
13.04% p.a. (based upon $10,000 over 3 years) 11.34% p.a. (based upon $30,000 over 5 years) |
Personal Overdraft
| Loan Type | Annual Interest Rate |
|---|---|
| Formal |
16.75% p.a. |
| Informal Casual Overdraft Reference Rate |
19.75% p.a. |
Clear Options Credit Cards
For interest rates and details on our Clear Options Credit Cards please click here
Older Deposit Accounts
(Note these accounts are not available to new customers.)
Download the Schedule of Fees and Charges
Everyday Options – Unlimited Transaction Plans
| Minimum Balance | Annual Interest Rate |
|---|---|
| $0.01 and over | 0.01% p.a. |
Not available for new account opening. Interest is calculated daily on the whole of the balance.
Everyday Options - Electronic Transaction Plan
| Minimum Balance | Annual Interest Rate |
|---|---|
| $0.01 and over | 0.01% p.a. |
Not available for new account opening. Interest is calculated daily on the whole of the balance.
Everyday Options – Staff Assisted Transaction Plan
| Minimum Balance | Annual Interest Rate |
|---|---|
| $0.01 and over | 0.01% p.a. |
Not available for new account opening. Interest is calculated daily on the whole of the balance.
Passbook Account
| Minimum Balance | Annual Interest Rate |
|---|---|
| $0.01 and over | 0.05% p.a. |
Interest is calculated daily. Not available for new account opening.
Home Loan Reducer Account
| Minimum Balance | Annual Loan Reducer Amount |
|---|---|
| $50,000 and over | 1.20% p.a. |
| $5,000 - $49,999 | 0.70% p.a. |
| $1,000 - $4,999 | 0.25% p.a. |
| $1-$999 | 0.05% p.a. |
This product is not available for new loans
Benefits accrue daily and are offset against loan balance when interest charged is calculated.
Investor Account (previously Premium Cash Mgmt)
| Minimum Balance | Annual Interest Rate |
|---|---|
| $100,000 and over | 3.00% p.a. |
| $50,000 - $99,999 | 1.50% p.a. |
| $20,000 - $49,999 | 1.00% p.a. |
| $5,000 - $19,999 | 0.01% p.a. |
This product is not available for new account opening.
Interest is calculated daily on the whole of the balance on a tiered basis and paid weekly.
Everyday Saver Account
| Minimum Balance | Annual Interest Rate (without bonus) |
|---|---|
| $0.01 and over | 0.01% p.a. |
This product is not available for new account opening.
0.75% p.a. bonus interest applies if there are no withdrawals and at least $40 deposited each month.
Interest is calculated daily on the whole of the balance and paid quarterly.
Older Home Loans
Note these accounts are not available to new customers.
Professional Package
| Loan Type | Annual Percentage Rate |
|---|---|
| Professional Asset Line |
7.34% p.a. |
| Professional Ready Access |
7.04% p.a. |
These products are not available for new loans
Reverse Mortgage
| Loan Type | Reference Rate | Comparison Rate |
|---|---|---|
| Variable | 8.35% p.a. | 8.37% p.a. (based upon $150,000 over 25 years) |
| 5 Year Fixed Rate (reverts to the Reverse Mortgages Variable Loan rate at the expiry of the 5 year period) |
9.35% p.a. | 8.57% p.a. (based upon $150,000 over 25 years) |
| 10 Year Fixed Rate (reverts to the Reverse Mortgages Variable Loan rate at the expiry of the 10 year period) |
9.55% p.a. | 8.85% p.a. (based upon $150,000 over 25 years) |
| 15 Year Fixed Rate (reverts to the Reverse Mortgages Variable Loan rate at the expiry of the 15 year period) |
9.70% p.a. | 9.18% p.a. (based upon $150,000 over 25 years) |
| 20 Year Fixed Rate (reverts to the Reverse Mortgages Variable Loan rate at the expiry of the 20 year period) |
9.70% p.a. | 9.45% p.a. (based upon $150,000 over 25 years) |
| Lifetime Fixed Rate | 9.70% p.a. | 9.72% p.a. (based upon $150,000 over 25 years) |
# Reverse Mortgages are provided by Reverse Mortgage Services Pty Ltd (ABN 87 114 594 080), a subsidiary of ABN AMRO Bank N.V. and subsidiary undertaking of The Royal Bank of Scotland Group plc.
These products are not available for new loans
Ready Access
| Loan Type | Reference Rate |
|---|---|
| Ready Access |
7.54% p.a. |
These products are not available for new loans