Interest Rates

At Dnister, our aim is to provide our members with competitive rates across our range of products.

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Effective date – Wednesday 17th May 2017  (New Loans to Dnister)

Wednesday 17th May 2017 (Existing Loans with Dnister)

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Premier Home Loan

Finance for owner occupied and investment housing properties with a minimum loan amount of $150,000. An offset facility and or redraw facility allows access to your own funds at your convenience. Repayments can be made weekly, fortnightly or monthly.

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Premier Home Loan Variable Rates 4 Owner Occupier Rate Comparison Rate Investor Rate Comparison Rate
Loans up to $200,000 4.54% p.a. 4.61% p.a.1 4.89% p.a. 4.96% p.a.1
From $200,000 to $400,000 4.44% p.a. 4.51% p.a.1 4.79% p.a. 4.86% p.a.1
Over $400,000 4.39% p.a. 4.46% p.a.1 4.74% p.a. 4.81% p.a.1

 

Premier Home Loan Fixed Rates Owner Occupier Rate Comparison Rate Investor Rate Comparison Rate
1 year 4.40% p.a. 4.60% p.a.1 4.75% p.a. 4.95% p.a.1
2 years 4.14% p.a. 4.54% p.a.1 4.49% p.a. 4.89% p.a.1
3 years 4.40% p.a. 4.58% p.a.1 4.75% p.a. 4.93% p.a.1
4 years 4.59% p.a. 4.63% p.a.1 4.94% p.a. 4.98% p.a.1
5 years 4.79% p.a. 4.72% p.a.1 5.14% p.a. 5.07% p.a.1

 

 

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Standard Home Loan

Finance for owner occupied and investment housing properties. Repayments can be made weekly, fortnightly or monthly.

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Standard Home Loan Variable Rates 4 Owner Occupier Rate Comparison Rate Investor Rate  Comparison Rate
Loans up to $200,000 4.44% p.a. 4.51% p.a.1 4.79% p.a. 4.86% p.a.1
From $200,000 to $400,000 4.34% p.a. 4.41% p.a.1 4.69% p.a. 4.76% p.a.1
Over $400,000 4.29% p.a. 4.36% p.a.1 4.64% p.a. 4.71% p.a.1

 

 

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Premier Personal Loan

Secured personal loan for any approved purpose for amounts from $1,000 to $50,000. A free redraw facility is available.  Repayments can be made weekly, fortnightly or monthly.

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Variable Rate secured by Goods or Real Estate Rate  Comparison Rate
 7.42% p.a. 8.10% p.a.2

 

 

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Personal Loan

Unsecured personal loan for any approved purpose for amounts from $1,000 to $50,000. A free redraw facility is available that lets you redraw any surplus amount you have contributed to repayment of the loan in excess of $250. Repayments can be made weekly, fortnightly or monthly.

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Unsecured Personal Loan Variable Rate          From Rate  Comparison Rate
 9.57% p.a. 10.26% p.a.3

 

 

 

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Equity Access Facility

Allows you to access the equity you have built up in your home to take that long awaited overseas holiday, renovate your home or buy a new car. In fact, you can use the funds for any worthwhile purpose.

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Equity Access Facility 5.22% p.a.

 

 

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Personal Overdraft

A lending facility that permits drawings against a savings account where credit funds are not available and will cause the account to overdraw. Monthly repayments are the greater of $20 or 2% of the month end closing balance.

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Secured Overdraft – secured by Goods Mortgage or Real Estate 9.96% p.a.
Unsecured Overdraft 14.85% p.a.

 

 

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Interest Only Loans

As the title implies, you are only required to meet the monthly interest costs during the term of the loan. The loan term is restricted to 5 years with clearance in full at the end of the approved term.

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Owner Occupier Rate 5.22% p.a. Investor Rate 5.57% p.a.
Comparison Rate 5.30% p.a.1 Comparison Rate 5.65% p.a.1

 

 

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Business Loans

Finance the purchase or other capital requirements of a business or business investment.  Variable rate applies and the facility is  repayable over an agreed  term not exceeding 15 years. Overdraft facility is also available where repayments are the greater of $20 or 2% of the month end closing balance of the account.

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Business Loan (Variable Rate) 9.14% p.a
Business Loan (Fixed Rate) Available on application

 

 

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Business Interest Only Loans

As the title implies, you are only required to meet the monthly interest costs during the term of the loan. The loan term is restricted to 12 months with clearance in full at the end of the approved term.

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Business Interest Only Loan (Variable Rate) 9.34% p.a
Business Interest Only Loan (Fixed Rate) Available on application

 

Unauthorised Overdrawn Accounts

All accounts 19.75% p.a
1 The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.
2 The comparison rate is calculated on the basis of a secured loan of $10,000 over a term of 3 years.
3 The comparison rate is calculated on the basis of an unsecured loan of $10,000 over a term of 3 years.
WARNING: These comparison rates apply only to the examples 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 or loan offset accounts, are not included in the comparison rates, but may influence the cost of the loan.
4 The interest rates applicable to the products selected are for loans with a maximum loan to valuation ratio of 80%. Loans must be funded within 30 days of the date of our offer document unless we agree otherwise.
Applications are subject to Dnister credit assessment criteria. Interest rates are subject to change without notice and should be verified with your local branch. Terms and conditions, including fees and charges, apply. For full details on our products and an analysis of your personal requirements, please arrange for an appointment with one of our friendly lending staff by contacting your local Dnister branch or visit www.dnister.com.au.

Effective date – Tuesday 14th March 2017 (New Accounts with Dnister)
Tuesday 14th March 2017 (Existing Accounts with Dnister)

 

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iSaver –  online account

High variable interest iSaver online account allows members who enjoy the freedom of electronic banking to save at a high rate of return. This product is available to Members who have registered for ‘internet banking’.

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Variable interest on entire balance $1.00 and over 1.20% p.a.

 

 

 

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Community Access

A special purpose community account can be accessed via personal banking, use of a cheque book or with a Cuecard at ATM’s or EFTPOS . Variable interest is calculated on the minimum monthly balance and paid monthly.

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$49,999 and under 0.00% p.a.
$50,000 and over 0.25% p.a.

 

 

 

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Community Saver

Reward yourself and your favourite community group with a high rate variable interest savings account and the ability to make valuable annual beneficiary payments to your nominated community group.

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$1 – $1,999 1.00% p.a.
$2,000 and over 1.60% p.a.
Beneficiary Contribution 1.00% p.a.1

 

 

 

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Pensioner Savings

An account designed specifically for pensioners and paying high rates of variable interest. The rates apply on a stepped basis to each component of the overall account balances. These rates are for single account holders. Interest is calculated on the minimum monthly balance and paid monthly.

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$1 – $2,000 on the proportion of balance in this range 0.10% p.a.
$2,001 – $75,000 on the proportion of balance in this range 1.20% p.a.
$75,001 and over on the proportion of balance in this range 2.55% p.a.

 

 

 

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Bonus Saver

Be rewarded for saving! Earn extra variable interest if you have a minimum deposit of $20 per month and make no withdrawals. Interest is calculated daily and paid monthly.

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$1 and over 0.25% p.a. – Base Rate
Deposit $20 per month with no withdrawals 1.50% p.a. – Bonus Rate

 

 

 

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Everyday Access

This account can be accessed via personal banking, use of cheque book or with a Cuecard at ATM’s or EFTPOS. Variable interests is calculated on the minimum monthly balance and paid monthly.

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$49,999 and under 0.00% p.a.
$50,000 and over 0.25% p.a.

 

1 Beneficiary Contribution – the interest earned on your Community Saver Account that will be paid into your nominated eligible community organisation’s Community Access Account. The amount is paid in July each financial year. Interest is calculated daily.
All interest rates, which are quoted on a per annum (pa) basis, are subject to change without notice and should be verified with your local branch. Fees, charges, terms and conditions may apply. For full details on our products and an analysis of your personal requirements, please arrange for an appointment with one of our friendly staff by contacting your local Dnister branch.

Effective date – Friday 16th June 2017 (New Deposits with Dnister, Existing Deposits with Dnister at Next Maturity)

 

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Fixed Term Deposits

A minimum deposit of $1,000 will get you started. The interest rate is on a per annum basis, calculated daily and paid on maturity.2

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Current Special Offers

Term $10,000+
6 months 2.45% p.a.

 

All Term Deposits

Term $1,000 – $9,999 $10,000+
1-4  months 0.25% p.a. 2.00% p.a.
5 months 0.25% p.a. 2.10% p.a.
6 months 0.25% p.a. 2.45% p.a.
7 months 0.25% p.a. 2.10% p.a.
8 months 0.25% p.a. 2.10% p.a.
9 -11 months 0.25% p.a. 2.20% p.a.
12 months 2.15% p.a. 2.45% p.a.
18 months 2.15% p.a. 2.45% p.a.
24 months 2.10% p.a. 2.60% p.a.

 

2 Early redemption for Fixed Term Deposits requires 31 days’ notice as agreed to by us, and will incur penalty interest of 2.00% pa. The minimum withdrawal is 50% of the total term deposit balance. Early redemption for Fixed Term Deposits requires 31 days’ notice as agreed to by us, and will incur penalty interest of 2.00% pa. The minimum withdrawal is 50% of the total term deposit balance.
All interest rates, which are quoted on a per annum (pa) basis, are subject to change without notice and should be verified with your local branch. Fees, charges, terms and conditions may apply. For full details on our products and an analysis of your personal requirements, please arrange for an appointment with one of our friendly staff by contacting your local Dnister branch. All interest rates, which are quoted on a per annum (pa) basis, are subject to change without notice and should be verified with your local branch. Fees, charges, terms and conditions may apply. For full details on our products and an analysis of your personal requirements, please arrange for an appointment with one of our friendly staff by contacting your local Dnister branch.