Interest rates today, as published.
Banks must publish every product they sell, with its rates, fees and conditions, under the Consumer Data Right. We read all 4,801 of them from 251 institutions every night. No bank pays to be here.
Every institution's best rate, today
Last change by an institution on 7 Nov 2026Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest 3-year fixed home loan rate anyone can apply for; hover or tap a dot for its name.
Interest rates in Australia today
As of 7 November 2026, the RBA cash rate is 4.85%. The lowest variable home loan rate is 5.93%, from SCCU's BROKER HOME LOAN, while the typical best across 104 institutions is 6.38%. The highest savings rate is 5.75%, from Defence Bank Limited's iSaver, while the typical best across 73 institutions is 4.85%. The highest 12-month term deposit rate is 5.75%, from Suncorp Bank's Term Deposit, while the typical best across 65 institutions is 5.30%.
In August 2026, owner-occupiers paid an average 6.2% on existing variable home loans (5.5% a year earlier) and 6.2% on new ones, and investors 6.5% on existing variable loans, from RBA table F6. That's what borrowers pay on average; the best advertised rates are lower.
Each institution counts once, at its best product, so the typical figure is the middle one: half the banks, credit unions and lenders do better, half worse. Staff, profession, green and business-only products are left out. Business banking rates
| Rate | Best anywhere | Typical institution |
|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
| Savings accountBase plus any bonus, when its conditions are met | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Credit card purchase rateOngoing purchase rate, not introductory offers | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions |
Compare by product
Home loans
Every residential mortgage Australian banks publish, with rates by purpose, repayment type, fixed term and LVR band.
1,809 products from 140 institutions
Savings & transaction accounts
Base and bonus rates with the conditions attached, balance tiers and monthly fees.
830 products from 98 institutions
Term deposits
Rates by term, deposit size and how often interest is paid.
621 products from 79 institutions
Credit cards
Purchase, cash advance and balance transfer rates, interest-free days, annual fees and rewards programs.
213 products from 62 institutions
Personal loans
Fixed and variable rates with comparison rates, loan sizes and fees, including secured car loans.
443 products from 132 institutions
Business loans
Published business lending rates and fees. Most are priced on application.
430 products from 119 institutions
Car loans
Secured car loans from banks and lenders, and the finance carmakers offer through their dealers, with comparison rates and fees.
205 products from 98 institutions
Overdrafts
Personal and business overdraft rates and fees.
89 products from 38 institutions
Leases
Vehicle and equipment lease products.
24 products from 16 institutions
Trust accounts
Statutory trust accounts for professionals.
24 products from 12 institutions
Buy now, pay later
Bank-issued instalment products.
7 products from 4 institutions
Margin loans
Fixed and variable margin lending rates.
6 products from 3 institutions
Trade finance
Import and export finance facilities.
2 products from 2 institutions
Travel cards
Prepaid multi-currency travel cards.
1 products from 1 institution
251 banks, credit unions and lenders
Bank First177 products
Gateway Bank171 products
Hume Bank160 products
Darling Downs Bank152 products
Police Credit Union Ltd100 products
Greater Bank99 products
Cairns bank90 products
Central Murray Bank86 products
Bank of China76 products
BCU Bank76 products
CommBank75 products
Great Southern Bank75 products
Unity Bank74 products
P&N Bank68 products
Westpac65 products
Horizon Bank61 products
Coastline Bank59 products
BankVic56 productsHow the rates get here
1.Read
Every data holder on the ACCC register is asked for its full product list and each product's detail, every night, from the same public endpoints banks use with each other.
2.Normalise
Rates become percentages, terms become months, LVR bands become 0 to 100, fees come out from under their method type. Each product keeps a headline summary for its category.
3.Compare
Explorers sort by the published number you choose. Withdrawn products stay visible as withdrawn, and each rate or fee that moves is logged with its old and new value.
Calculators that pair with these products
Questions about the data
- Where do these rates come from?
- Every Australian bank, credit union and non-bank lender on the ACCC's Consumer Data Right register must publish every product it sells, with its rates, fees and conditions, through a public Product Reference Data API. We read all of them each night and normalise the results into one format.
- Are the rates current?
- They are exactly what each institution published at the last nightly read, and every page shows the date the institution itself last changed the product. Confirm on the bank's own site before applying, because banks can change rates at any time.
- Why is a bank I know missing?
- A few institutions on the register only answer requests from inside Australia or have feeds that fail. They keep their last good data if we ever read them, and the institutions page lists how many could not be reached.
- What does restricted mean?
- Products only some people can take up: staff and profession loans, green loans tied to property criteria, accounts limited by age, and business or SMSF products sitting in a consumer category. Explorers hide them by default and let you include them.
- Does The Finance Algorithm earn anything from these listings?
- No. There are no commissions, affiliate links or paid placements. Products are ordered by the published number you sort on, nothing else. The site carries Google ads, which sit apart from the listings and never change that order.