Changes to savings, Term Deposit and overdraft rates

We’ve made changes to some of our savings, Term Deposits and secured Overdrafts. 

Changes effective 26 November 2026

Everyday Plus account

Balances $0-$9,999 – no change

Balances $10,000-$99,999 – interest rate increasing by 0.25% p.a.

Balances $100,000+ – interest rate increasing by 0.25% p.a.

Wildlife Saver

Balances $0-$10,000 – interest rate increasing by 0.15% p.a.

Balances over $10,000 – no change

Santa Saver

Balances $0-$30,000 – interest rate increasing by 0.15% p.a.

Balances over $30,000 – no change

FirstBiz Online Savings

Balance under $50,000 – interest rate increasing by 0.25% p.a.

Balances $50,000-$99,999 – interest rate increasing by 0.25% p.a.

$500,000 and over – interest rate increasing by 0.25% p.a.

Term Deposits

Balances $5,000-$49,999 & balances $50,000-$99,999

Interest rates for 3 month terms – increasing by 0.15% p.a.

Interest rates for 6 month terms – increasing by 0.15% p.a.

Interest rates for 12 month terms – increasing by 0.10% p.a.

Interest rates for 2 year terms – increasing by 0.15% p.a.

Interest rates for 3 year terms – increasing by 0.20% p.a.

Balances $100,000-$249,999 & balances $250,000-$1,000,000

Interest rates for 3 month terms – increasing by 0.15% p.a.

Interest rates for 6 month terms – increasing by 0.15% p.a.

Interest rates for 12 month terms – increasing by 0.10% p.a.

Interest rates for 2 year terms – increasing by 0.15% p.a.

Interest rates for 3 year terms – increasing by 0.20% p.a.

View our current Term Deposit interest rates here.

Changes effective 1 December 2026

Goal Saver

The Bonus interest rate on the Goal Saver will increase by 0.20% p.a.

Bonus interest applies when you make at least one deposit of $50, maintain a credit balance and make no withdrawals or transfers in the month.

Secured overdrafts

Mortgage secured Overdraft – interest rate increasing by 0.25% p.a.

Business Overdraft (residential security) – interest rate increasing by 0.25% p.a.

Business Overdraft (commercial security) – interest rate increasing by 0.25% p.a.

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Products no longer available for new accounts

Changes effective 26 November 2026

Christmas Saver

Balances $0-$100,000 – interest rate increasing by 0.15% p.a.

Balances over $100,000 – no change

Retirement Plus account

Balances $0-$9,999 – no change

Balances $10,000-$99,999 – interest rate increasing by 0.25% p.a.

Balances $100,000+ – interest rate increasing by 0.25% p.a.

ICU Online Saver

$0-$99,999 – interest rate increasing by 0.25% p.a.

$100,000-$249,999 – interest rate increasing by 0.25% p.a.

$250,000+ – no change

Changes effective 1 December 2026

Bonus Saver

The Bonus interest rate on the Bonus Saver will increase by 0.20% p.a.

Bonus interest applies when you make at least one deposit of $20, maintain a credit balance and make no withdrawals or transfers in the month.

ICU Bonus Saver

The Bonus interest rate on the ICU Bonus Saver will increase by 0.25% p.a. on balances up to and including $2 million.

Balances over $2 million – no change.

Bonus interest applies when you make at least one deposit of $100, maintain a credit balance and make no withdrawals or transfers in the month.

ICU Wildlife Bonus Saver account

The Bonus interest rate on the ICU Wildlife Bonus Saver will increase by 0.25% p.a. on balances up to and including $25,000. 

Balances over $25,000 – no change.

Bonus interest applies when you make at least one deposit of $10, maintain a credit balance and make no withdrawals or transfers in the month.

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Last updated: 5 November 2026

The information contained in this article is only correct at the point of time of publication. It is general information and has been prepared without taking into account your personal circumstances, objectives or needs. Please consider if this information is right for you before making a decision to acquire any product.