Interest Rates

The following information relates to interest rates for Rural Bank ONE products. For the complete list of all product interest rates visit the Rural Bank corporate website.

Effective 19 June 2017 - Interest rates are subject to change without notice.


Saver Accounts

Rural Bank ONE Saver Account Interest Rate
$0 - $2,000,000 Learn More
Apply Online
At call 1.80%

Interest rates quoted on a per annum basis. Interest rate current as at 1 March 2017 and subject to change without notice. Rural Bank ONE Saver Account rates are variable, calculated daily and credited monthly on the first day of the following month. For applications and further details visit the product information page.

Rural Bank ONE Business Saver Account (including DIY Super) Interest Rate
  $0 - $4,999 $5,000 - $2,000,000 Learn More
Apply Online
At call 0.00% 1.80%

Interest rates quoted on a per annum basis. Interest rate current as at 1 March 2017 and subject to change without notice. Rural Bank ONE Business Saver Account rates are variable, calculated daily and credited monthly on the first day of the following month. For applications and further details visit the business or DIY super product information page

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Term Deposits

Rural Bank ONE Term Deposit Account Interest Rates
  $500 - $1,000,000*
Personal Term Deposit
3 month Rural Bank ONE Personal Term Deposit 2.30% Learn More Apply Online
6 month Rural Bank ONE Personal Term Deposit 2.50%
12 month Rural Bank ONE Personal Term Deposit 2.60%
Business Term Deposit
3 month Rural Bank ONE Business Term Deposit 2.30% Learn More Apply Online
6 month Rural Bank ONE Business Term Deposit 2.50%
12 month Rural Bank ONE Business Term Deposit 2.60%
DIY Super Term Deposit
3 month Rural Bank ONE DIY Super Term Deposit 2.30% Learn More Apply Online
6 month Rural Bank ONE DIY Super Term Deposit 2.50%
12 month Rural Bank ONE DIY Super Term Deposit 2.60%

Interest rates quoted on a per annum basis. Interest rate current as at 28 March 2017 and subject to change without notice. Interest on Rural Bank ONE Term Deposits is calculated daily and paid at maturity. *Minimum deposit $500, for interest rates on deposits over $1 million call us on 1300 660 115 or email us. For applications and further details visit the business, personal or DIY super product information page.

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Farm Management Deposits

Short Term Fixed Rural Bank ONE Farm Management Deposit
  $5,000 - $49,999 $50,000 - $399,999 $400,000 - $800,000 Learn More
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3 month 6 month 3 month 6 month 3 month 6 month
Interest at maturity 2.20% 2.35% 2.20% 2.35% 2.20% 2.35%

Interest rates quoted on a per annum basis. Interest rate current as at 1 March 2017 and subject to change without notice. Interest is calculated daily and paid or credited at maturity. Minimum deposit $5,000. Maximum aggregate balance is $800,000 for all FMDs. No additional deposits will be accepted on the Fixed Rate FMD product. Other eligibility criteria apply. For applications and further details visit the product information page.

Fixed Rate Rural Bank ONE Farm Management Deposit
  $5,000 - $49,999 $50,000 - $399,999 $400,000 - $800,000 Learn More
Apply Online
12 month 24 month 12 month 24 month 12 month 24 month
Interest paid annually 2.65% 2.65% 2.65% 2.65% 2.65% 2.65%
Interest paid quarterly 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%
Interest paid monthly 2.45% 2.45% 2.45% 2.45% 2.45% 2.45%

Interest rates quoted on a per annum basis. Interest rate current as at 19 June 2017 and subject to change without notice. Interest is calculated daily and paid or credited daily for variable rate, 3 or 6 month fixed rate and monthly, quarterly or annually for 12 and 24 month fixed rate accounts. Minimum deposit amount applies. Maximum aggregate balance is $800,000 for all FMDs. No additional deposits will be accepted on the Fixed Rate FMD product. Other eligibility criteria apply. For applications and further details visit the product information page.

Variable Rate Rural Bank ONE Farm Management Deposit
  $1,000 - $49,999 $50,000 - $399,999 $400,000 - $800,000 Learn More
Apply Online
Interest paid annually 0.50% 1.00% 1.00%

Interest rates quoted on a per annum basis. Interest rate current as at 19 June 2017 and subject to change without notice. Interest is calculated daily and paid and credited as specified. Minimum deposit $1,000. Maximum aggregate balance is $800,000 for all FMDs. Other eligibility criteria apply. Other eligibility criteria apply. For applications and further details visit the product information page.

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Interest Rate Changes

Rural Bank is changing the following Rural Bank ONE Farm Management Deposit interest rates effective Monday 19 June 2017. The new rates are:

Fixed Rate Rural Bank ONE Farm Management Deposit
  $5,000 - $49,999 $50,000 - $399,999 $400,000 - $800,000
12 month 24 month 12 month 24 month 12 month 24 month
Interest paid annually 2.65% 2.65% 2.65% 2.65% 2.65% 2.65%
Interest paid quarterly 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%
Interest paid monthly 2.45% 2.45% 2.45% 2.45% 2.45% 2.45%

Variable Rate Rural Bank ONE Farm Management Deposit
  $1,000 - $49,999 $50,000 - $399,999 $400,000 - $800,000
Interest paid annually 0.50% 1.00% 1.00%

Interest rates quoted on a per annum basis.

If you have any questions, please contact our Customer Service Centre on 1300 660 115 or email us.

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