Basic Home Loan

Rate Comparison Rate*      
Variable   4.29%p.a. 4.30%p.a.      
        With Member Package
Annual package fee of $395 applies.
 
Flexible Home Loan  Rate Comparison Rate* Rate Comparison Rate*  
Variable (reference rate)   4.88%p.a. 4.89%p.a. 4.68%p.a.  5.07%p.a.  
Variable discount for new loans
(Loan Purpose - Owner Occupied)~
  N/A N/A 4.38%p.a. 4.78%p.a.  

Variable discount for new loans
(Loan Purpose - Investment)~
offer closes 14-09-2015

  N/A N/A 4.53%p.a. 4.93%p.a.  
Fixed1 Year 4.29%p.a. 4.84%p.a. 4.29%p.a. 5.04%p.a.#  
  2 Year 4.28%p.a. 4.78%p.a. 4.28%p.a. 5.00%p.a.#  
  3 Year 4.28%p.a.   4.73%p.a. 4.28%p.a.  4.97%p.a.#  
  4 Year 4.79%p.a. 4.86%p.a. 4.79%p.a. 5.11%p.a.#  
  5 Year 4.79%p.a.  4.86%p.a. 4.79%p.a.  5.12%p.a.#  
  6 Year 5.99%p.a. 5.44%p.a. 5.99%p.a. 5.72%p.a.#  
  7 Year 5.99%p.a.  5.51%p.a. 5.99%p.a.  5.80%p.a.#  
Fixed Interest in Advance^1 Year 4.11%p.a. 4.82%p.a. 4.11%p.a 5.02%p.a.#  

The following Home Loans are no longer sold 

        With Member Package
Annual package fee of $395 applies. 
 
Standard Home Loan  Rate Comparison Rate* Rate Comparison Rate*  
Variable    4.88% p.a. 4.89% p.a. 4.68% p.a. 5.07% p.a.   
 Fixed 1 year 4.29% p.a. 4.84% p.a. 4.29% p.a. 5.04% p.a.  
  3 year 4.28% p.a. 4.73% p.a. 4.28% p.a. 4.97% p.a.  
  5 year 4.79% p.a. 4.86% p.a. 4.79% p.a. 5.12% p.a.  
Ultimate Offset Account Rate Comparison Rate* Rate Comparison Rate*  
Variable   5.18% p.a. 5.19% p.a. 4.68% p.a.  5.07% p.a.  
Fixed 1 year 4.29% p.a. 5.16% p.a. 4.29% p.a.   5.06% p.a.  
  3 year 4.28% p.a. 5.09% p.a. 4.28% p.a. 5.02% p.a.  
  5 year 4.79% p.a. 5.13% p.a. 4.79% p.a. 5.10% p.a.    
Interest Only Investment Loan Rate Comparison Rate* Rate Comparison Rate*  
 Variable   4.88% p.a. 4.89% p.a. 4.68% p.a. 5.07% p.a.   
 Fixed 1 year 4.29% p.a. 4.84% p.a.

4.29% p.a.

5.04%p.a.  
  3 year 4.28% p.a. 4.73% p.a.

4.28% p.a.

4.97%p.a.  
  5 year
4.79% p.a. 4.86% p.a.

4.79% p.a.

5.12%p.a.

 

 

*Comparison rates calculated on a loan of $150,000 for a term of 25 years, repaid monthly. Ultimate Offset Account - Fixed rates are only available on split loans and part of the split loan must have a variable rate. The example given assumes that the loan is split 50/50 between variable rate and fixed rate portions. Offset applies only to one variable portion of a split loan.


# Fixed comparison rates for the Flexible Home with Member Package are calculated on the basis that they roll to the variable reference rate at the end of the initial fix term.


~ Limited time special discount. The variable discount for new loans (Loan Purpose - Investment) offer ends on 14 September 2015. Conditions apply - for more information click here.


^Fixed Interest in Advance rates are only available for loans which are wholly or predominately for investment purposes.


WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

 

Product Interest rate  

Online Savings Account

 

2.25% p.a. Variable Base Rate


0.95% p.a. Variable Bonus Rate*    

 
EveryDay Transaction Account N/A  
InterestME Savings Account $0 - $3,000 (Tier 1) Over $3,000 (Tier 2)
  0.05% p.a. 1.00% p.a.

 

*Online Savings Account (OSA) bonus interest terms and conditions
To receive bonus interest on your OSA for any calendar month you must have a ME Everyday Transaction Account (ETA) and during that month make a weekly purchase with your ETA debit MasterCardTM using PayPass Tap & Go. Bonus interest is only payable on balances up to $250,000 on your first OSA. Bonus interest is not payable on OSAs opened before 10/08/15. In any month we may without notice waive the requirement for you to meet all of these bonus interest conditions. We may change or withdraw the bonus interest offer at any time. Click here for full terms and conditions.


MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. Tap & Go and PayPass are trademarks of MasterCard International Incorporated.

 

Personal Loan Interest rate
  11.99% p.a.
  12.36% p.a. Comparison rate
Personal Loan Comparison Rate calculated on an unsecured loan of $30,000 for a term of 5 years, repaid monthly. WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

 

Term Deposit Term* Interest at Maturity Monthly Interest Quarterly Interest Half Yearly Interest Annual Interest
  1 month  2.30% p.a.        
  2 months  2.30% p.a.  2.25% p.a.      
  3 months  2.65% p.a.  2.60% p.a.      
  4 months  2.90% p.a.  2.85% p.a.  2.85% p.a.    
  5 months  2.65% p.a. 2.60% p.a.   2.60% p.a.    
  6 months  2.65% p.a.  2.60% p.a.  2.60% p.a.    
  7 months  2.65% p.a.  2.60% p.a.  2.60% p.a.  2.60% p.a.  
  8 months  2.90% p.a.  2.85% p.a.  2.85% p.a.  2.85% p.a.  
  9 months  2.65% p.a.  2.60% p.a.  2.60% p.a.  2.60% p.a.  
  10 months  2.65% p.a.  2.60% p.a. 2.60% p.a.   2.60% p.a.  
  11 months  2.65% p.a.  2.60% p.a.  2.60% p.a.  2.60% p.a.  
  12-17 months    2.85% p.a.  2.85% p.a.  2.85% p.a.  2.90% p.a.
  18-23 months    2.85% p.a.  2.85% p.a.  2.85% p.a.  2.90% p.a.
  24-35 months    2.95% p.a.  2.95% p.a.  2.95% p.a.  3.00% p.a.
  36-47 months    2.95% p.a.  2.95% p.a.  2.95% p.a.  3.00% p.a.
  48-59 months    3.05% p.a.  3.05% p.a.  3.05% p.a.  3.10% p.a.
  60 months    3.15% p.a.  3.15% p.a.  3.15% p.a.  3.20% p.a.

*All terms are in calendar months. We offer terms of between one month and 60 months. 

Interest rates for term deposits are applicable for amounts from $1,000.00 up to $500,000. For rates for amounts above $500,000, contact ME Bank on [13 15 63/1300 658 108]. Your total deposits with ME up to $250,000 are guaranteed under the Australian Government Financial Claims Scheme. You will get the interest rate that applies to your term deposit on the day your complete application is received as long as funds are received within three business days of your application. Otherwise, a different Interest Rate may apply to your account. We will credit interest at the selected interest payment frequency and at the maturity of the term.

 

 

Low Rate Credit Card Interest rate

Purchases, cash advances and balance transfers

 

 

9.99% p.a.

 

ME Bank MasterCard* Interest rate
*This product is no longer available  
Purchases, cash advances and balance transfers 12.25% p.a.

Things you should know.

Interest rates are current at 8am 01-Sep-2015 and are subject to change.

Fees and charges may apply. Terms and conditions available upon request. Applications for credit are subject to approval. This is general information only and you should consider if these products are appropriate for you.