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Everyday Account

Account balance Standard Variable
Interest Rate
$100,000 and over 0.05% pa
$50,000 - $99,999.99 0.05% 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 1.05% pa
$50,000 - $249.999.99 0.85% pa
$10,000 - $49,999.99 0.35% pa
Up to $9,999.99 0.10% 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 1.75% pa 1.85% pa
$20,000 - $49,999.99 0.10% pa 1.75% pa 1.85% pa
$5,000 - $19,999.99 0.10% pa 1.75% pa 1.85% pa
Up to $4,999.99 0.10% pa 1.75% pa 1.85% 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 to2 3
Earn
up to
$5,000 and over 0.00% pa 0.90% pa 0.00% pa 0.90% pa
$0 - $4,999.99 0.00% pa 0.90% pa 1.10% pa 2.00% 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 31/3/2020 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 to4 5
Earn
up to
$5,000 and over 0.00% pa 0.90% pa 1.10% pa 2.00% pa
$0 - $4,999.99 0.00% pa 0.90% pa 0.00% pa 0.90% 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 November 2019, 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 1.25% 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 0.60% pa
$100,000 and $249,999.99 0.40% pa
$50,000 and $99,999.99 0.15% pa
$20,000 to $49,999.99 0.15% pa
$10,000 to $19,999.99 0.10% 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 0.75% pa 0.50% pa 1.25% 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 1st November 2019 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.