Deposit Account Interest Rates

Savings Accounts

Christmas Club Account (S2)

Balance	Interest rate (p.a.)
$1 or more	3.50 % pa

Affinity Saver Account

Balance	Interest Rate (p.a.)
$2,000 to $100,000	4.10 % pa

YAS Young Achiever Savings Account (S50)

Balance	Interest Rate (p.a.)
$1 or more	1.20% pa
Bonus	1.65% pa
Earn up to	2.85% pa

Interest calculated daily and paid monthly.

Achieve Saver Account (S55)

Balance	Interest Rate (p.a.)
$1 - $4,999	0.01% pa
$5,000 or more	1.15% pa
Bonus	1.30% pa
Earn up to	2.46% pa

Interest calculated daily on the portion of the balance in each tier and paid monthly.

On-Line Saver Account (S70)

Balance	Interest Rate (p.a.)
$1 or more	1.25 % pa

Interest calculated daily and paid monthly.

iSaver Account (S80)

Balance	Interest Rate (p.a.)
$1 or more	1.10% pa
Bonus	1.36% pa
Earn up to	2.46% pa

Interest calculated daily and paid monthly.

Superfund Maximiser Account (S75)

Balance	Interest Rate (p.a.)
$1 to $250,000	3.95% pa
Over $250,000	3.95% pa

Interest calculated daily on the portion of the balance in each over tier and paid monthly.

Transactions Accounts

Total Access Account (S1)

Balance	Interest Rate (p.a.)
$1 or more	0.00 % pa

Redi Access Account (S13)

Balance	Interest Rate (p.a.)
$1 or more	0.00 % pa

Senior Savers Account (S65)

Balance	Interest Rate (p.a.)
Up to $9,999	1.05% pa
$10,000 - $49,200	1.15% pa
$49,201 - $249,999	1.20% pa
$250,000 or more	1.40% pa

Interest calculated daily on the portion of balance in each tier and paid quarterly in March, June, September and December. For more information on these products refer to our separate fact sheets.

Term Deposits

Fixed Term Deposit Investment Accounts

Balance	Interest Rate (p.a.) - 3 months	Interest Rate (p.a.) - 6 months	Interest Rate (p.a.) - 12 months
$1,000 or more	3.50% pa	5.00% pa	5.10% pa

Interest rates are fixed for the full term can be automatically reinvested with interest paid on maturity. Interest is calculated daily. Minimum balance of $1,000.

Regular Income Investment Accounts

Balance	Interest Rate (p.a.) - 6 months	Interest Rate (p.a.) - 12 months
$5,000 or more	4.60% pa	4.90% pa

Provides a regular monthly income. Interest is calculated daily, fixed for the full term and paid automatically each month into a savings account. Minimum balance $5,000.

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Important Information

Interest rates together with terms and conditions on all savings, everyday banking and investment accounts are effective as at 25/04/2026, unless otherwise indicated and the Geelong Bank reserves the right to vary these. Please check the current rates at www.geelongbank.com.au or any one of our branches. Deposit products are issued by Ford Co-operative Credit Society Limited ABN 74 087 651 456 trading as Geelong Bank AFSL/Australian Credit Licence Number 244351. Combined deposits of up to $250,000 per member are guaranteed under the Australian Governments Financial Claims Scheme.

Important information

Footnotes:

¹ Interest calculated daily and paid annually. Christmas Club funds are available 1st November to 31 January each year.
² Deposit your salary and enjoy a competitive interest rate identical to the RBA’s cash rate for balances between $2,000 to $100,000
³ Make a deposit and no withdrawals per calendar month to qualify for Bonus.
⁴ Make a minimum deposit of $50 per calendar month – Note: one withdrawal per calendar month is permitted. Bonus payable on amounts up to $250,000.
⁵ Make a minimum deposit of $200 per calendar month to qualify for Bonus. Bonus payable on amounts up to $250,000.

Deposit Account Interest Rates