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’s decision to lift the official cash rate, variable loan interest rates will increase by 0.25% p.a., effective 22 October 2026.
Term Savings
Help secure investment for your excess capital with a competitive fixed rate of return.
12 months (Amounts $1,000 to $500,000)
5.25% p.a
18 months (Amounts $1,000 to $500,000)
5.00% p.a
5
Help secure investment for your excess capital with a competitive fixed rate of return
Secure your business's financial future with our Business Term Savings account. Offering competitive fixed interest rates for set terms, this account provides a reliable way to grow your savings with predictable returns. Ideal for businesses looking to invest surplus funds securely, you can choose from a variety of term lengths to suit your financial goals. Enjoy the peace of mind that comes with a guaranteed return on investment.6 7 8
Why our term savings works for your business
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 |
| 3 months (Amounts $1,000 to $500,000) | 3.50% p.a |
| 4 months (Amounts $1,000 to $500,000) | 4.65% p.a |
| 5 months (Amounts $1,000 to $500,000) | 4.70% p.a |
| 6 months (Amounts $1,000 to $500,000) | 4.90% p.a |
| 7 months (Amounts $1,000 to $500,000) | 5.00% p.a |
| 8 months (Amounts $1,000 to $500,000) | 5.00% p.a |
| 9 months (Amounts $1,000 to $500,000) | 5.10% p.a |
| 12 months (Amounts $1,000 to $500,000) | 5.25% p.a |
| 18 months (Amounts $1,000 to $500,000) | 5.00% p.a |
| 24 months (Amounts $1,000 to $500,000) | 4.70% p.a |
| 36 months (Amounts $1,000 to $500,000) | 4.20% p.a |
| 48 months (Amounts $1,000 to $500,000) | 3.60% p.a |
| 60 months (Amounts $1,000 to $500,000) | 3.65% p.a |
Interest conditions
Interest paid on maturity of fixed term. Penalties may apply for early redemption.
Interest frequency
Calculated daily, paid on Maturity. Monthly, Quarterly and Semi-Annually also available. Conditions apply.
Fees
| Application, approval, or acceptance fee | None |
| Monthly service fee | None |
Enquire now
Please fill the following form and we will get back to you as soon as possible
Financial assistance
If the unexpected happens, and you have missed a repayment or you’re unable to meet your repayments, please get in touch.
Technical support
If you experience any technical issues with online access or account features, our team is available to assist you.
Access and login problems
If you're having trouble logging in to your internet banking account, ensure you're using the correct username and password. If you've forgotten your password, you can reset it using the "Forgot Password" link on the login page. If the issue persists, contact our customer service team for assistance.
Disclaimers
1
Regional Australia Bank has entered into contractual arrangements with Convera Australia Pty Ltd (ACN 150 129 749; AFSL 404092) (“Convera”), to assist it in fulfilling certain foreign exchange and payment services, including telegraphic transfers. The relationship relating to the product or services described is solely between you and Regional Australia Bank.
Fees and charges may apply, depending upon the product or service.
Full terms and conditions are available here. Convera does not give any advice, general, personal or otherwise. This information has been provided without taking into account of your objectives, financial situation or needs. This communication has been prepared solely for informational purposes and does not in any way create binding obligations. No representations, warranties or conditions of any kind, express or implied, are made in this communication.
2
Convera Holding's will hold a quoted exchange rate for 72 hours. The payment will need to reach a convera nominated account within this time frame for Convera to honour the quoted rate.
3
Convera processes over 25 currencies fee-free however some exotic or other currencies may attract fees. In some instances, intermediary banks may levy additional fees and/or charges
4
Payments are usually received by the beneficiary bank within 1 to 3 business days after receipt of funds by Convera in accordance with payment instructions. There is no delivery period guarantee. Some currencies may take longer than others to process.
5
Interest rates are on a per annum basis and are current as of today's date and are subject to change. The interest rate applicable to your loan or product is not confirmed until your application is approved and may change prior to approval or settlement.
6
Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.
7
Please refer to the Product Details, Conditions of Use and Target Market Determination when considering if this product is right for you.
8
Regional Australia Bank is the issuer of the product.