A stronger start for teachers and nurses

1. Comparison rate calculated on a secured loan amount of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and conditions available upon request.

2. Offset accounts cannot be linked to fixed rate loans.

3. Comparison rate calculated on an unsecured loan amount of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and conditions available upon request.

4. Standard underwriting criteria and policy terms and conditions apply. Insurance issued by Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand. In arranging this insurance, Victoria Teachers Limited ABN 44 087 651 769 AFSL 240960 trading as Bank First (Bank First), acts under its own AFSL and under an agreement with CGU, not as your agent. Bank First receives commission when selling CGU insurance products. Please refer to Bank First’s Financial Services Guide (FSG) for details of these commissions. 

5. Minimum redraw is $500. Refer to the Terms and Conditions available on the Disclosure Documents page.

6. Bonus interest additional to the base rate applies when you make at least one deposit of a minimum of $1.00 and no withdrawals are made in the month. Refer Terms and Conditions.

7. Bonus interest additional to the base rate is earned when deposits totalling a minimum of $100 and no withdrawals are made in the month. Refer Terms and Conditions.

8. Apple Pay is a trademark of Apple Inc, registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.

9. Deposits are protected by the Australian Government’s Financial Claims Scheme (FCS), which guarantees up to $250,000 per account. Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice. Subject to our Terms and Conditions, a Term Deposit interest rate reduction applies on early withdrawals, with interest paid at the reduced rate from the date of deposit to the day prior to withdrawal. Where the withdrawal reduces the 'Fixed Term Deposit' balance to an amount that attracts a lesser rate, that lesser rate shall apply for the remainder of the term. These rates are for retail customers only and limits may apply.

*Interest rates apply to new lending only.