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
Friday, 12th July 2019
Premier-Home-Loan-100x100

Premier Home Loan

Finance for owner occupied and investment housing properties with a minimum loan amount of $150,000. 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.

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Premier Home Loan Variable Rates Owner Occupier Rate Comparison Rate Investor Rate Comparison Rate
Loans over $200,000 special4 3.69% p.a. 3.73% p.a.1 4.25% p.a. 4.29% p.a.1
Loans up to $200,0005 4.46% p.a. 4.53% p.a.1 4.81% p.a. 4.88% p.a.1
Over $200,000 to $400,0005 4.36% p.a. 4.43%p.a.1 4.71% p.a. 4.78% p.a.1
Over $400,0005 4.31% p.a. 4.38% p.a.1 4.66% p.a. 4.73% p.a.1

 

Premier Home Loan Fixed Rates Owner Occupier Rate Comparison Rate Investor Rate Comparison Rate
1 year 4.32% p.a. 4.52% p.a.1 4.67% p.a. 4.87% p.a.1
2 years – special4 3.54% p.a. 4.36% p.a.1 4.10% p.a. 4.75% p.a.1
3 years 4.32% p.a. 4.50% p.a.1 4.67% p.a. 4.85% p.a.1
4 years 4.51% p.a. 4.55% p.a.1 4.86% p.a. 4.90% p.a.1
5 years 4.71% p.a. 4.64% p.a.1 5.06% p.a. 4.99% 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 Owner Occupier Rate Comparison Rate Investor Rate  Comparison Rate
Loans over $200,000 – special4 3.59% p.a. 3.63% p.a.1 4.15% p.a. 4.19% p.a.1
Loans up to $200,0005 4.36% p.a. 4.43% p.a.1 4.71% p.a. 4.78% p.a.1
Over $200,000 to $400,0005 4.26% p.a. 4.33% p.a.1 4.61% p.a. 4.68% p.a.1
Over $400,0005 4.21% p.a. 4.28% p.a.1 4.56% p.a. 4.63% 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 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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Variable Rate secured by Goods or Real Estate Rate  Comparison Rate
 7.34% p.a. 8.02% 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
 9.49% p.a. 10.18% p.a.3

 

 

 

    Equity-Access-100x100

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 5.14% 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 9.88% p.a.
Unsecured Overdraft 14.77% 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 4.64% p.a. Investor Rate 4.99% p.a.
Comparison Rate 4.71% p.a.1 Comparison Rate 5.06% 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) 9.06% 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) 9.26% p.a
Business Interest Only Loan (Fixed Rate) Available on application

 

Unauthorised Overdrawn Accounts

All accounts 19.87% 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 Special offer – 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 is waived. If a variable rate option is selected, loans must be funded within 30 days of the date of our offer document unless we agree otherwise. If a fixed rate option is selected, loans must be funded by 30 September 2019 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.

 

Existing Loans

Effective Date
Tuesday, 27 August 2019
Existing Loans Reduced / Increased by -0.10%

Effective date
Tuesday, 13th August 2019 (New Accounts with Dnister)
Tuesday, 13th August 2019 (Existing Accounts with Dnister)

 

iSaver-100x100

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.

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Variable interest on entire balance $1.00 and over – special introductory interest rate for 2 months  1.20% p.a.¹
Variable interest on entire balance $1.00 and over  0.80% 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 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*

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$49,999 and under 0.00% p.a.
$50,000 and over 0.15% p.a.

 

 

 

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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.

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$1 – $4,999 0.60% p.a.
$5,000 and over 1.00% p.a.
*Dnister Benefit Contribution 0.60% p.a.2

 

 

 

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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. These rates are for single account holders. Pensioners can also access their funds through Cuecard at ATMs or Ethos. Cheque book facilities also available.

Below rates are for single account holders. Interest is calculated on the minimum monthly balance and paid monthly. Access your funds using your CUECARD or Visa Debit Card at ATMs or EFTPOS. Cheque book facilities are also available.

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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 1.00% p.a.
$75,001 and over on the proportion of balance in this range 2.00% 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 0.15% 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 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.

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$49,999 and under 0.00% p.a.
$50,000 and over 0.15% p.a.

 

1 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 2 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
² Dnister Benefit Contribution – Dnister pays a contribution based on the applicable interest 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 calculated daily and 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
Tuesday 10th September 2019 (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.1

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Current Special Offers

 

Term $10,000+
4 months 1.90% p.a.

 

All Term Deposits

Term $1,000 – $9,999 $10,000+
1 month 0.20% p.a. 1.50% p.a.
3 months 0.20% p.a. 1.50% p.a.
4 months 0.20% p.a. 1.90% p.a.
5 months 0.20% p.a. 1.60% p.a.
6 months 0.20% p.a. 1.60% p.a.
7 months 0.20% p.a. 1.60% p.a.
8 months 0.20% p.a. 1.60% p.a.
9 months 0.20% p.a. 1.60% p.a.
10 months 0.20% p.a. 1.60% p.a.
11 months 0.20% p.a. 1.60% p.a.
12 months 0.30% p.a. 1.50% p.a.
18 months 0.50% p.a. 1.40% p.a.
24 months 0.50% p.a. 1.40% p.a.

 

1 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.