Deposit Account Interest Rates

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Transaction Accounts
Kids, Youth and Students Accounts
Savings Accounts

Everyday Account

Account balance	Standard Variable Interest Rate
$100,000 and over	0.01% pa
$50,000 - $99,999.99	0.01% pa
$20,000 -$49,999.99	0.01% pa
$5,000 - $19,999.99	0.01% pa
Up to $4,999.99	0.01% pa

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Everyday Unlimited Account

Account balance	Standard Variable Interest Rate
All balances	0.00% pa

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Wisdom Saver

Account balance	Standard Variable Interest Rate
$250,000 and over	0.65% pa
$50,000 - $249.999.99	0.45% pa
$10,000 - $49,999.99	0.10% pa
Up to $9,999.99	0.05% pa

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Zoo

Account balance	Standard Variable Interest Rate	Standard Variable Bonus Rate¹	Earn up to
$50,000 and over	0.10% pa	1.40% pa	1.50% pa
$20,000 - $49,999.99	0.10% pa	1.40% pa	1.50% pa
$5,000 - $19,999.99	0.10% pa	1.40% pa	1.50% pa
Up to $4,999.99	0.10% pa	1.40% pa	1.50% pa

1. Standard Variable Bonus interest is payable when bonus interest criteria are met - a minimum $10 deposit and no withdrawals are made in the calendar month.

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Everyday Unlimited Kick Start

Account balance	Standard Variable Interest Rate
All balances	0.00% pa

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Reward Saver Kick Start

Account balance	Standard Variable Interest Rate	Standard Variable Bonus Rate ²	Fixed Bonus Interest Rate up to^{2 3}	Earn up to
$5,000 and over	0.00% pa	0.65% pa	0.00% pa	0.65% pa
$0 - $4,999.99	0.00% pa	0.65% pa	1.10% pa	1.75% pa

2. To earn bonus interest the account holder must make a minimum $20 deposit and no withdrawals per month. If bonus interest criteria are not met for the calendar month, both the Standard Variable Bonus Interest and Fixed Bonus Interest Rate are forfeited.
3. Fixed Bonus Interest Rate is payable for the duration the account is eligible: - Reward Saver Kick Start account for account holders aged 13-17 years of age and for students, apprentices and trainees aged 18-30; or- Until 31/3/2021 for Reward Saver Kick Start accounts for Students, apprentices and trainees aged under 30.

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Reward Saver

Account balance	Standard Variable Interest Rate	Standard Variable Bonus Rate⁴	Introductory Fixed Bonus Interest Rate up to^{4 5}	Earn up to
$5,000 and over	0.00% pa	0.65% pa	0.55% pa	1.20% pa
$0 - $4,999.99	0.00% pa	0.65% pa	0.00% pa	0.65% pa

4. To earn bonus interest the account holder must make a minimum $50 deposit and no withdrawals per month. If bonus interest criteria are not met for the calendar month, both the Standard Variable Bonus Interest and Introductory Fixed Bonus Interest Rate are forfeited.
5. Introductory Fixed Bonus Interest Rate is payable for the first 4 interest payments for new accounts opened from 1st August 2020, for new or existing Members who have not held a Reward Saver account before.

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Christmas Club⁶

Account balance	Standard Variable Bonus Rate
All balances	0.85% pa

6. If there are any withdrawals between January 1 and October 31 the account will be closed and the bonus forfeited.

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Cash Management

Account balance	Standard Variable Interest Rate
$250,000 and over	0.35% pa
$100,000 and $249,999.99	0.15% pa
$50,000 and $99,999.99	0.10% pa
$20,000 to $49,999.99	0.10% pa
$10,000 to $19,999.99	0.05% pa
$5,000 to $9,999.99	0.05% pa
Up to $4,999.99	0.00% pa

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DIY Super

Account balance	Standard Variable Interest Rate	Introductory Fixed Interest Rate⁷	Earn up to
$5,000 and over	0.50% pa	0.50% pa	1.00% pa
Up to $4,999.99	0.00% pa	0.00% pa	0.00% pa

7. Introductory Fixed Interest Rate is payable for the first 4 interest payments for new accounts opened from the 1 August, 2019, for new or existing Members who have not held a DIY Super account before.

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For Discontinued Deposit Product Rates Click Here

Rates effective 11th of September 2020 Interest rates are paid on the entire balance of the account, except for Wisdom Saver accounts. For these accounts, a different rate applies to the portion of the balance in each tier. Interest rates are subject to change without notice. * Interest on all deposits is calculated on the daily balance at a daily rate equivalent to the annual rate divided by 365. This document forms part of IMB's Product Disclosure Statement (PDS) for products and payment facilities listed in Page1 and 2 of IMB's Member Guide to Transaction Banking, which consists of the following documents IMB Member Guide to Transaction Banking PDS and PDS Fees and Charges for IMB Services, PDS Interest Rates for IMB Products, and any other supplementary PDS issued by IMB.

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Established in 1880, we have been helping people achieve their financial goals for 140 years and are rated by Forbes as one of the World’s Best Banks. We offer a full range of competitive banking, including home and personal lending, savings and transaction accounts, term deposits, business banking, and can arrange financial planning, insurance and travel products.

We provide simple and secure digital banking solutions online and on mobile, and members enjoy access to free automated phone and internet banking, and a team of professionals at our locally based contact centre. With a growing branch network throughout the Illawarra, Sydney, NSW South Coast, Newcastle/Hunter, the ACT and Melbourne, we have a lending specialist in every branch and a team of mobile lending specialists who will come to you.

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