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.
While the design may have changed, rest assured that everything you love about banking with us remains the same—secure, reliable, and easy to use. Enjoy our fresh look and improved features.
4 months (Amounts from $1,000 to $500,000)
4.35% p.a
1
6 months (Amounts $1,000 to $500,000)
4.75% p.a
1
Secure your savings with a fixed-term investment
Plan ahead and watch your savings grow with our Term Savings Account. Offering competitive interest rates and a wide range of flexible terms, this account is perfect for those looking to maximise their savings with minimal risk. Lock in your funds for a fixed period and enjoy the peace of mind that comes with guaranteed returns. Whether you’re saving for a big purchase, or simply building a nest egg, our Term Savings Account provides a reliable and secure way to achieve your financial goals. Start saving smarter earning interest today.
Why our Term Savings Account works for you
Features & Benefits
Features
| Instant access to funds | Yes. Interest discounts may apply for early redemption. 2 |
| Internet and mobile banking | Yes (balances only) |
| Phone banking | N/A |
| Direct debits and credits | No |
| Branch and service support centre | Yes |
| Minimum balance | $1,000 |
| 3 months (Amounts from $1,000 to $500,000) | 3.60% p.a1 |
| 4 months (Amounts from $1,000 to $500,000) | 4.35% p.a1 |
| 6 months (Amounts $1,000 to $500,000) | 4.75% p.a1 |
| 9 months (Amounts $1,000 to $500,000) | 4.55% p.a1 |
| 12 months (Amounts $1,000 to $500,000) | 4.55% p.a1 |
| 18 months (Amounts $1,000 to $500,000) | 4.00% p.a1 |
| 24 months (Amounts $1,000 to $500,000) | 3.75% p.a1 |
| 36 months (Amounts $1,000 to $500,000) | 3.70% p.a1 |
| 48 months (Amounts $1,000 to $500,000) | 3.75% p.a1 |
| 60 months (Amounts $1,000 to $500,000) | 3.80% p.a1 |
Interest conditions
Interest paid on maturity of fixed term. Interest discounts may apply for early redemption.
Interest frequency
Calculated daily, paid on maturity. Monthly, quarterly and semi-annually also available. Conditions apply.
Fees
| Access fee | Free |
| Internet, mobile, and phone banking transactions | N/A |
| Direct credits | N/A |
| Over-the-counter withdrawal | Free |
| Over limit fee | N/A |
| Direct debit dishonour | N/A |
| Bank cheque fee | Applies |
| Cheque deposit | N/A |
Find out more about our Term Savings account
To enquire about banking at Regional Australia Bank simply complete this short form. So we can find the right fit for you, please provide as much information 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.
Lost or stolen card
If your card has gone missing, or it’s been stolen, you should immediately block it and request a replacement.
Technical Support
If you experience any technical issues with online access or account features, our team is available to assist you.
Disclaimers
1
Interest rates are on a per annum basis and are current as of today's date and are subject to change. Please note that the interest rate effective at the end of each month applies to the whole month.
2
In case you have a change of mind, we provide a grace period of 14 calendar days, starting on the Deposit Date. If you would like to withdraw or transfer your investment to a different term, please contact us to arrange this.
If you withdraw part or all of the investment before the Maturity Date, the interest paid on the withdrawn amount will be calculated as follows:
- Deposits held for less than 30 days: nil (0%) interest
- Deposits held for 30 days or longer, but less than 25% of the original Deposit Term: 10% of accrued interest
- Deposits held for 25%, but less than 50% of the original Deposit Term: 25% of accrued interest
- Deposits held for 50%, but less than 75% of the original Deposit Term: 50% of accrued interest
- Deposits held for 75%, but less than 100% of the original Deposit Term: 75% of accrued interest
Where interest has been paid prior to the Maturity Date, the above adjustment will be made to the Deposit Amount.