After considering the RBA’s recent cash rate movement, among other variables, we have made the decision to increase our variable loan and deposit products for existing members by up to 0.25%p.a. Deposits and savings will change commencing from 19 November 2026, and variable loans will increase commencing from 17 November 2026. More details around loan rate changes can be found here.

Changes to loan interest rates

We’re making changes to our home loan interest rates

Effective 3 December 2026, all existing variable home loans will be increasing by 0.25%p.a

Interest Rates for new loans and switches

All fixed and variable home loan interest rates for new loans and switches will be increasing, effective 17 November 2026.

You can view our current loan interest rates here.

If you’d like to discuss this update further, please email [email protected] or call our team on 1300 13 14 65.

Change to savings interest rates

We’re making changes to our savings account interest rates.

Flex Saver

Effective Thursday, 19 November 2026, the interest rate on Flex Saver accounts for balances up to and including $3 million will increase by 0.25% p.a.

Balances over $3 million will continue to not earn interest. 

Product no longer available for new accounts

Easy Savings account

Effective 26 November 2026, the interest rate on Easy Savings accounts will increase by 0.25% p.a. 

Bonus Saver account

Effective 1 December 2026, the Bonus rate on the Bonus Saver will increase by 0.20% p.a.

Bonus interest applies when you make at least one deposit of $50, maintain a credit balance and make no withdrawals or transfers in the month.

To view our retired accounts, visit our Products no longer offered webpage. 


Last updated: 5 November 2026

The information contained in this article is only correct at the point of time of publication. It is general information and has been prepared without taking into account your personal circumstances, objectives or needs. Please consider if this information is right for you before making a decision to acquire any product.

© A division of Community First Credit Union Limited ABN 80 087 649 938 | AFSL and Australian credit licence 231204 | BSB No 512 170