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Deposit Account Interest Rates

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  Transaction Accounts

Everyday Account

Account balance Standard Variable
Interest Rate % p.a.
$100,000 and over 0.20%
$50,000 - $99,999.99 0.10%
$20,000 -$49,999.99 0.10%
$5,000 - $19,999.99 0.05%
Up to $4,999.99 0.05%

Everyday Unlimited Account

Account balance Standard Variable
Interest Rate % p.a.
All balances 0.00%

Wisdom Saver

Account balance Standard Variable
Interest Rate % p.a.
$46,600.01 and over 3.50%
$2,000 - $46,600 2.00%
Up to $1,999.99 1.00%
  Kids, Youth & Students Accounts

Zoo

Account balance Standard Variable
Interest Rate % p.a.
Standard Variable
Bonus Rate % p.a.1
Earn
up to % p.a.
$50,000 and over 0.75% 3.00% 3.75%
$20,000 - $49,999.99 0.25% 3.00% 3.25%
$5,000 - $19,999.99 0.15% 3.00% 3.15%
Up to $4,999.99 0.10% 3.00% 3.10%

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.

Everyday Unlimited Kick Start

Account balance Standard Variable
Interest Rate % p.a.
All balances 0.00%

Reward Saver Kick Start

Account balance Standard Variable
Interest Rate % p.a.
Standard Variable
Bonus Rate % p.a. 2
Fixed
Bonus Interest Rate
up to % p.a. 2 3
Earn
up to % p.a.
$5,000 and over 0.00% 2.90% 0.00% 2.90%
$0 - $4,999.99 0.00% 2.00% 1.00% 3.00%

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 accounts holders aged under 18 years of age; or- Until 31/3/2015 for Reward Saver Kick Start accounts for Students, apprentices and trainees aged under 30.

Junior Savers4

Account balance Standard Variable
Interest Rate % p.a.
$50,000 and over 0.75%
$20,000 -$49,999.99 0.25%
$5,000 - $19,999.99 0.15%
Up to $4,999.99 0.10%

4. Junior Savers is no longer available for new accounts.

 

Balance +

Account balance Standard Variable
Interest Rate % p.a.
Standard Variable
Bonus Rate % p.a.1
Earn
up to % p.a.
$50,000 and over 0.75% 3.00% 3.75%
$20,000 - $49,999.99 0.25% 3.00% 3.25%
$5,000 - $19,999.99 0.15% 3.00% 3.15%
Up to $4,999.99 0.10% 3.00% 3.10%

1. Standard Variable Bonus interest is payable when bonus interest criteria are met - a minimum $20 deposit and no withdrawals are made in the calendar month.

  Savings Accounts

Reward Saver

Account balance Standard Variable
Interest Rate % p.a.
Standard Variable
Bonus Rate % p.a. 4
Introductory Fixed
Bonus Interest Rate
up to % p.a. 4 5
Earn
up to % p.a.
$5,000 and over 0.00% 2.90% 1.10% 4.00%
$0 - $4,999.99 0.00% 2.00% 0.00% 2.00%

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 15th September 2014, for new or existing Members who have not held a Reward Saver account before.

Christmas Club6

Account balance Standard Variable
Bonus Rate % p.a.
All balances 2.00%

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

Cash Management

Account balance Standard Variable
Interest Rate % p.a.
$250,000 and over 2.25%
$100,000 and $249,999.99 2.00%
$50,000 and $99,999.99 1.50%
$20,000 to $49,999.99 1.50%
$10,000 to $19,999.99 1.25%
$5,000 to $9,999.99 0.50%
Up to $4,999.99 0.00%

DIY Super

Account balance Standard Variable
Interest Rate % p.a.
Introductory  Fixed Interest Rate % p.a. 7 Earn up to % p.a.
$5,000 and over 2.50% 1.00% 3.50%
Up to $4,999.99 0.00% 0.00% 0.00%

7. Introductory Fixed Interest Rate is payable for the first 4 interest payments for new accounts opened from the 26 August, 2013, for new or existing Members who have not held a DIY Super account before.

First Home Saver9

Account balance Standard Variable
Interest Rate % p.a.8
All balances (pre-tax) 3.82%
All balances (after 15% tax) 3.25%

8. Standard Variable Bonus interest is payable when bonus interest criteria are met, that is, at least one deposit is made in the calendar month. If monthly deposit is not made, no interest is payable for that month. The Government requires IMB to collect tax of 15% on your interest earnings, and disclose the after tax rate.

9. First Home Saver is no longer available for new accounts.

Rates effective 15 September  2014.
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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