Interest Rates
At Dnister, our aim is to provide our Members with competitive rates across our range of products. Alternatively if you are after an interest rate schedule you can download a copy of our Lending | Savings | Term Deposit Schedules.
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Effective date
Tuesday, 3rd June 2025 (New Loans to Dnister)
Tuesday, 3rd June 2025 (Existing Loans with Dnister)
Simple Home Loan Plus
Finance for owner occupied purposes with a minimum loan amount of $200,000. A product with a super low 2 year introductory rate. Both Variable and Fixed rate options available including loan split. An offset facility up to $100,000 includes everyday banking access to manage your funds at your convenience. A redraw facility is available that lets you redraw any surplus amount of $250 or more you have contributed to repayment of the loan. An annual fee applies. Repayments can be made weekly, fortnightly or monthly.
| Simple Home Loan Plus Variable Rate 6 | Owner Occupier Rate | Comparison Rate |
|---|---|---|
| 2 Years Introductory Loans over $200,000 | 5.59% p.a. | 6.35% p.a.1 |
| Simple Home Loan Plus Fixed Rate 6 | Owner Occupier Rate | Comparison Rate |
|---|---|---|
| 2 Years Introductory Loans over $200,000 | 5.34% p.a. | 6.31% p.a.1 |
| Simple Home Loan Plus Revertin Rate 6 | Owner Occupier Rate | Comparison Rate |
|---|---|---|
| Rate after 2 Years Introductory Loans over $200,000 | 6.05% p.a. | 6.44% p.a.1 |
Simple Home Loan
Finance for owner occupied purposes with a minimum loan amount of $200,000. A simple product with a super low variable rate. An annual fee applies. Repayments can be made weekly, fortnightly or monthly.
| Simple Home Loan Variable Rate 5 | Owner Occupier Rate | Comparison Rate |
|---|---|---|
| Loans over $200,000 | 5.79% p.a. | 6.19% p.a.1 |
Premier Home Loan
Finance for owner occupied and investment housing properties. An offset facility allows access to your own funds at your convenience. A redraw facility is available that lets you redraw any surplus amount of $250 or more you have contributed to repayment of the loan. Repayments can be made weekly, fortnightly or monthly. Offers either a variable rate or fixed rate up to five (5) years.
| Premier Home Loan Variable Rates 4 | Owner Occupier Rate | Comparison Rate | Investor Rate | Comparison Rate |
|---|---|---|---|---|
| 6.05% p.a. | 6.10% p.a.1 | 6.30% p.a. | 6.35% p.a.1 |
| Premier Home Loan Fixed Rates | Owner Occupier Rate | Comparison Rate | Investor Rate | Comparison Rate |
|---|---|---|---|---|
| 1 year | 5.58% p.a. | 6.09% p.a.1 | 5.75% p.a. | 6.33% p.a.1 |
| 2 years | 5.44% p.a. | 6.01% p.a.1 | 5.62% p.a. | 6.25% p.a.1 |
| 3 years | 5.54% p.a. | 5.99% p.a.1 | 5.70% p.a. | 6.21% p.a.1 |
| 4 years | 5.75% p.a. | 6.03% p.a.1 | 5.93% p.a. | 6.25% p.a.1 |
| 5 years | 5.83% p.a. | 6.04% p.a.1 | 6.04% p.a. | 6.27% p.a.1 |
| Standard Home Loan Variable Rates | Owner Occupier Rate | Comparison Rate | Investor Rate | Comparison Rate |
|---|---|---|---|---|
| 6.10% p.a. | 6.15% p.a.1 | 6.68% p.a. | 6.73% p.a.1 |
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.
| Owner Occupier Rate | 6.50% p.a. | Investor Rate | 6.65% p.a. |
| Comparison Rate | 6.59% p.a.1 | Comparison Rate | 6.74% p.a.1 |
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.
| Equity Access Facility | 8.47% p.a. |
Premier Personal Loan
Secured 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.
| Variable Rate secured by Goods or Real Estate | Rate | Comparison Rate |
|---|---|---|
| 7.77% p.a. | 8.45% p.a.2 |
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.
| Unsecured Personal Loan Variable Rate | Rate | Comparison Rate |
|---|---|---|
| From | 9.92% p.a. | 10.61% p.a.3 |
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.
| Secured Overdraft Variable Rate – secured by Goods Mortgage or Real Estate | 11.43% p.a. |
| Unsecured Overdraft Variable Rate | 16.32% p.a. |
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.
| Business Loan (Variable Rate) | 8.40% p.a |
| Business Loan (Fixed Rate) | Available on application |
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.
| Business Interest Only Loan (Variable Rate) | 8.85% p.a |
| Business Interest Only Loan (Fixed Rate) | Available on application |
Business 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.
| Secured Overdraft Variable Rate – secured by Goods Mortgage or Real Estate | 10.67% p.a |
| Unsecured Overdraft | 16.45% p.a |
Dnister is continually looking for opportunities to reduce our carbon footprint and as part of our ongoing commitment to sustainability Interest Rate Notices will be published in the Australian Financial Review. Alternatively, Members can view their statements for rate change notices or online via Internet Banking.
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 PREMIER – The offer is available for new loan amounts of $200k or more, excluding internal refinances, and with a maximum LVR of 95% with LMI. The loan establishment fee of $500 is waived. Loans must be funded within 30 days of the date of our offer document unless we agree otherwise. Dnister reserves the right to withdraw this offer at any time and it cannot be used in conjunction with any other offer. Terms and conditions, including fees and charges, apply.
5 SIMPLE Home Loan – The offer is available for new loan amounts of $200k or more, excluding internal refinances, and with a maximum LVR of 95% with LMI. An annual fee of $395 applies. The loan establishment fee is waived. Loans must be funded within 30 days of the date of our offer document unless we agree otherwise. Dnister reserves the right to withdraw this offer at any time and it cannot be used in conjunction with any other offer. Terms and conditions, including fees and charges, apply..
6 SIMPLE Home Loan Plus – The offer is available for new borrowings and refinances from other financial institutions (excluding internal refinances) for minimum loan amounts of $200k or more. Upon expiry of the 2 year introductory rate the interest rate will revert to our Premier Owner Occupied Home Loan Variable Rate special applicable at that time. Borrow up to a maximum LVR of 95% with LMI, Debt to Income (DTI) <=6, Net Income Surplus (NIS) $2,400 & Net Disposable Income (NDI) > 1.00:1. An annual fee of $395 applies. The loan establishment fee is waived. Loans must be funded within 30 days of the date of our offer document unless we agree otherwise. Dnister reserves the right to withdraw this offer at any time and it cannot be used in conjunction with any other offer. Terms and conditions, including fees and charges, apply.
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, 27th May 2025 (New iSaver Accounts Only)
Tuesday, 27th May 2025 (All existing SAV accounts)
Max Saver
An at call account offering a standard rate, plus a higher bonus interest if you have a minimum deposit of $1,000 per month and maximum withdrawals of $1,000 per month (maximum 4 withdrawals per month). In addition, an introductory rate applies for a limited period upon account opening. Interest is calculated daily and paid monthly. Maximum account balance $1,000,000. Only available for personal accounts with a limit of one account per member.
| $1 and over | 0.10% p.a. – Base Rate |
| Deposit $1,000 per month, withdraw up to $1,000 per month | 4.25% p.a. – Bonus Rate |
| With Bonus Interest | 4.35% p.a. |
| Special with additional introductory 0.10% bonus rate for 1 month for new accounts | 4.45% p.a.¹ |
iSaver – online account
Higher variable interest iSaver 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.
Product features include:
> Interest is calculated daily and paid monthly from your very first dollar
> Deposit or withdraw money via online banking at any time
| Variable Interest on entire balance $1 and over – special introductory interest rate for 3 months | 4.15% p.a.² |
| Variable interest on entire balance $1 and over | 1.90% p.a. |
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.
| $1 and over | 0.10% p.a. – Base Rate |
| Deposit $20 per month with no withdrawals | 4.20% p.a. – Bonus Rate |
| With Bonus Interest | 4.30% p.a. |
Pensioner Savings
An account designed specifically for age pensioners and paying high rates of variable interest. The rates apply on a stepped basis to each component of the overall account balance. Interest is calculated on the minimum monthly balance and paid monthly. These rates are for single account holders. Pensioners can also access their funds through Cuecard at ATMs or EFTPOS. Cheque book facilities also available.
| $1 – $75,000 on the proportion of balance in this range | 2.15% p.a. |
| $75,001 and over on the proportion of balance in this range | 2.65% p.a. |
Everyday Access
This account can be accessed via personal banking, use of a cheque book or CUECARD or Visa Debit Card at ATM’s or EFTPOS. Variable interest is calculated on the minimum monthly balance and paid monthly.
| $1 and over | 0.00% p.a. |
Community Access
A special purpose community account can be accessed via personal banking, use of a cheque book or with a CUECARD or Visa Debit Card at ATM’s or EFTPOS. Variable interest is calculated on the minimum monthly balance and paid monthly. Enjoy transactional fee free banking for eligible community organisations with the additional benefit of receiving Dnister Benefit Contributions*
| $1 and over | 0.00% p.a. |
My Community Saver
Reward yourself with a high rate variable interest savings account with the additional reward of a Dnister Benefit Contribution* to your nominated favourite community group.
| $1 and over | 1.90% p.a. |
| *Dnister Benefit Contribution | 0.95% p.a.3 |
Unauthorised Overdrawn Accounts
| All accounts | 20.92% p.a |
¹ Max Saver bonus interest is applied to your end of month interest earned if you have a) deposited a minimum of $1,000 into your account, b) did not exceed 4 withdrawals during that month, and c) did not exceed withdrawing $1,000 in that month. The Introductory Rate applies for a period of one month upon account opening. Dnister reserves the right to withdraw this offer at any time. Interest rates are subject to change without notice and should be verified with your local branch.
² iSaver special offer – The special introductory variable interest rate is available to new and existing Members who open a new account, with a limit of one new account per member. At the end of the 3 month period, the interest rate reverts to the standard iSaver variable rate applicable at the time. Dnister reserves the right to withdraw this offer at any time. Terms and conditions, including fees and charges, apply. Full details are available on application or visit www.dnister.com.au.
3 Dnister Benefit Contribution – Dnister pays a contribution based on the applicable rate and daily balance of a My Community Saver Account. This contribution is paid into the nominated eligible community organisation’s Community Access Account. The amount is paid in July after the end of each financial year.
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
Wednesday, 27th May 2025 (New Deposits with Dnister, Existing Deposits with Dnister at Next Maturity)
Fixed Term Deposits
A minimum deposit of $1,000 will get you started. The interest rate is on a per annum basis, calculated daily.1
Contact Dnister for interest rates on amounts over $1,000,000.
Current Special Offers
| Term | Rate p.a. | Rate p.a. |
|---|---|---|
| Interest Frequency | Maturity | Monthly² |
| 5 months | 4.10% | 4.05% |
All Term Deposits
| Term | Rate p.a. | Rate p.a. |
|---|---|---|
| Interest Frequency | Maturity | Monthly² |
| 1 month | 1.20% | 1.20% |
| 2 months | 1.45% | 1.40% |
| 3 months | 2.90% | 2.85% |
| 4 months | 3.00% | 2.95% |
| 5 months | 4.10% | 4.05% |
| 6 months | 3.20% | 3.15% |
| 7 months | 3.30% | 3.20% |
| 8 months | 3.40% | 3.30% |
| 9 months | 3.40% | 3.30% |
| 10 months | 3.50% | 3.40% |
| 11 months | 3.50% | 3.40% |
| 12 months | 3.60% | 3.50% |
| 18 months | 3.30% | 3.20% |
| 24 months | 3.00% | 2.90% |
1 Early redemption for Fixed Term Deposits requires 31 days’ notice as agreed to by us, and will incur penalty interest up to 2.00% pa or the rate equivalent to the declared rate where the interest rate for the deposit is under 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.
² Interest payable to Dnister nominated savings account.
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.