Support for our members
If you’re experiencing financial hardship, or other challenging circumstances, let us help.
Find the best Home Loan for you
The calculator below helps you determine the interest rate and loan repayment based on your loan amount and product selection. Please speak to an accredited Regional Australia Bank lender to ensure the product you select aligns with your financial goals. The calculator is intended as a guide to help you better understand your options.
- Following the RBA announcement, Regional Australia Bank will be passing on the full 0.25% cash rate decrease to our existing members who are on variable rate home loans. This change will be effective from 22nd August 2025.
- Nominations are opened to fill one Board position at Regional Australia Bank, to be appointed at the AGM on Thursday 20 November 2025.Find out how to nominate and key eligibility criteria.
Farm Management Deposit
Manage your exposure to the tax man, the economy and the elements.
4 months (Amounts from $1,000 to $500,000)
4.25% p.a
1
6 months (Amounts from $1,000 to $500,000)
4.10% p.a
1
Stabilise Your Farm's Finances with Our Farm Management Deposit Account
Our Farm Management Deposit account, is designed to help primary producers manage income fluctuations, this account offers competitive interest rates and flexible term options. By investing in a Farm Management Deposit, you can defer taxable income during profitable years and withdraw during less profitable periods, providing a valuable financial buffer. Enjoy peace of mind with a secure, government-backed investment that supports your farming business.
Why our term savings works for you
Features & Benefits
Features
| Instant access to funds | Yes (please note that interest discounts may apply) |
| Internet and mobile banking | Yes (balances only) |
| Direct debits and credits | No |
| Branch and contact centre | Yes |
| Minimum balance | $1,000 |
Eligibility Criteria
- You must be an individual, including partners in a partnership or beneficiaries of a trust.
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You should be carrying on a primary production business in Australia at the time of making the deposit.
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Your taxable non-primary production income should not exceed $100,000 in the income year you make the deposit.
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You can hold multiple FMDs, but the total value must not exceed $800,000.
| 3 months (Amounts from $1,000 to $500,000) | 3.20% p.a1 |
| 4 months (Amounts from $1,000 to $500,000) | 4.25% p.a1 |
| 6 months (Amounts from $1,000 to $500,000) | 4.10% p.a1 |
| 9 months (Amounts $1,000 to $500,000) | 3.85% p.a1 |
| 12 months (Amounts $1,000 to $500,000) | 3.75% p.a1 |
| 18 months (Amounts $1,000 to $500,000) | 3.60% p.a1 |
| 24 months (Amounts $1,000 to $500,000) | 3.50% p.a1 |
| 36 months (Amounts $1,000 to $500,000) | 3.45% p.a1 |
| 48 months (Amounts $1,000 to $500,000) | 3.35% p.a1 |
| 60 months (Amounts $1,000 to $500,000) | 3.40% p.a1 |
Interest conditions
Interest paid on maturity of fixed term. Penalties may apply for early redemption.7
Interest frequency
Calculated daily, paid on Maturity.
Fees
| Application, approval, or acceptance fee | None |
| Monthly service fee | None |
Enquire now
Fill out the form below and we will get back to you as soon as possible.
Account Management and Support
For help with managing your account, including online access, and other features, contact our support team.
Technical Support
If you experience any technical issues with online access or account features, our team is available to assist you.
Financial assistance
If the unexpected happens, and you have missed a repayment or you’re unable to meet your repayments, please get in touch.