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Bank of us

Every product Bank of us publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 3 Nov 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder. Who shares a cap
  • Australian credit licence and AFS licence 236870, held by B & E Ltd; credit licence since 1 January 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetBank of us hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

27 products in 7 categories

  1. Savings & transaction accounts12
  2. Home loans7
  3. Business loans3
  4. Personal loans2
  5. Term deposits1
  6. Credit cards1
  7. Overdrafts1

Bank of us's rates today

Bank of us's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.

Where Bank of us sits among every institution's best

Bank of us 6.24%Everyone else, 104 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateBank of usBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.24%TOPLINE HOME LOAN5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
Savings accountBase plus any bonus, when its conditions are met5.50%Spring Load5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term5.30%FIXED TERM INVESTMENT5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans6.29%RESIDENTIALLY SECURED PERSONAL LOAN5.80%Plenti Personal Loan7.96%of 68 institutions
Credit card purchase rateOngoing purchase rate, not introductory offers9.99%Visa Credit Card7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions
Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower6.99%Small, Small Bus Loan6.33%SCCU's BUSINESS LOAN7.89%of 47 institutions

Bank of us home loan repayments

Repayments at Bank of us's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.

Loan amount
$600,000
Loan term
30 yrs
The $600,000 you borrowInterest over 30 years
  1. VariableTOPLINE HOME LOAN
    6.24%6.24% comparison
    $3,690a month

    $728,545 in interest, $1,328,545 repaid in all

  2. Investor variableFlexiChoice Residential Investment Home Loan
    6.49%6.51% comparison
    $3,788a month

    $763,847 in interest, $1,363,847 repaid in all

Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Bank of us's own calculator: confirm the rate with Bank of us before you apply.

Bank of us home loan rates

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7 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.24%, with a comparison rate of 6.24%, on its TOPLINE HOME LOAN: 25th lowest of 104 lenders, level with 6 others.

Bank of us savings and transaction account rates

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12 products

Its highest savings rate is up to 5.50% (0.00% base plus a 5.50% bonus when its conditions are met), on its Spring Load: 7th highest of 84 institutions, level with 2 others.

Bank of us term deposit rates

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1 product

Its highest 12-month term deposit rate is 5.30%, on its FIXED TERM INVESTMENT: 28th highest of 65 institutions, level with 14 others.

RateBank of usBest anywhereTypical institution
3-month term depositBest rate for 3 months5.20%FIXED TERM INVESTMENT5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions
6-month term depositBest rate for 6 months5.25%FIXED TERM INVESTMENT5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months5.30%FIXED TERM INVESTMENT5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years4.60%FIXED TERM INVESTMENT5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions
3-year term depositBest rate for 3 years4.20%FIXED TERM INVESTMENT5.60%Judo Bank's Personal Term Deposits4.25%of 44 institutions

Bank of us credit card rates

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1 product

Its lowest credit card purchase rate is 9.99%, on its Visa Credit Card: 6th lowest of 51 card issuers.

Bank of us personal loan rates

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2 products

Its lowest advertised personal loan rate is 6.29% variable, with a comparison rate of 6.57%, on its RESIDENTIALLY SECURED PERSONAL LOAN: 14th lowest of 69 lenders, level with 2 others.

Bank of us business loan rates

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3 products

Its lowest advertised business loan rate is 6.99% variable, on its Small, Small Bus Loan: 10th lowest of 49 lenders, level with 2 others.

Bank of us overdraft rates

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1 product

Rate changes since 18 Sept 2026How every lender responded

Has Bank of us passed on the RBA's November 2026 rate rise?

Bank of us hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.

  1. Tue 3 Nov

  2. Tue 20 Oct

  3. Fri 16 Oct

Published by Bank of us under the Consumer Data Right, last changed by them on 3 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.