bankWAW
Every product bankWAW publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 2 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 247298, held by Waw Credit Union Co-operative Limited; credit licence since 7 March 2011. ASIC register
54 products in 5 categories
bankWAW's rates today
bankWAW'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 bankWAW sits among every institution's best
| Rate | bankWAW | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.24%Back to Basics Owner Occupied | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.40%Flexible Choice Owner Occupied | 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 | 5.20%WAW Bonus Saver | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.35%Limited Offer 12 months | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 7.59%Personal Loan Secured | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Business savings accountEach institution's best interest-paying business account, base plus any bonus | 2.65%WAW Business Saver | 5.40%Great Southern Bank Business+'s Business+ Saver | 0.55%of 34 institutions |
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 7.74%Business Loan Residential Secured P&I Variable | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions |
bankWAW home loan repayments
Repayments at bankWAW's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableBack to Basics Owner Occupied6.24%6.29% comparison$3,690a month
$728,545 in interest, $1,328,545 repaid in all
- 1-year fixedFlexible Choice Owner Occupied6.55%6.99% comparison$3,812a month
$772,377 in interest, $1,372,377 repaid in all
- 2-year fixedFlexible Choice Owner Occupied6.45%6.93% comparison$3,773a month
$758,172 in interest, $1,358,172 repaid in all
- 3-year fixedFlexible Choice Owner Occupied6.40%6.87% comparison$3,753a month
$751,093 in interest, $1,351,093 repaid in all
- 5-year fixedFlexible Choice Owner Occupied6.90%7.00% comparison$3,952a month
$822,576 in interest, $1,422,576 repaid in all
- Investor variableHome Equity Loan Investment6.34%6.37% comparison$3,729a month
$742,618 in interest, $1,342,618 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 bankWAW's own calculator: confirm the rate with bankWAW before you apply.
bankWAW home loan rates
Compare across banks6 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.24%, with a comparison rate of 6.29%, on its Back to Basics Owner Occupied: 25th lowest of 104 lenders, level with 6 others.
- Back to Basics Investment
- Variable (investor P&I)
- 6.49%
- Max LVR
- 80%
- Features
- redraw, extra repayments
- Back to Basics Owner Occupied
- Variable (owner occ. P&I)
- 6.24%, 6.29% comparison
- Max LVR
- 80%
- Features
- redraw, extra repayments
- Flexible Choice Investment
- Variable (investor P&I)
- 7.49%
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- Flexible Choice Owner Occupied
- Variable (owner occ. P&I)
- 7.24%, 7.29% comparison
- Fixed
- 1 yr 6.45%, 2 yrs 6.35%, 3 yrs 6.30%, 4 yrs 6.70%, 5 yrs 6.80%
- Max LVR
- 80%
- Home Equity Loan Investment
- Variable (investor P&I)
- 6.34%
- Max LVR
- 80%
- Features
- redraw, extra repayments
- Home Equity Loan Owner Occupied
- Variable (owner occ. P&I)
- 6.34%, 6.37% comparison
- Max LVR
- 80%
- Features
- redraw, extra repayments
bankWAW savings and transaction account rates
Compare across banks21 products
Its highest savings rate is up to 5.20% (0.05% base plus a 5.15% bonus when its conditions are met), on its WAW Bonus Saver: 29th highest of 84 institutions, level with 2 others.
- Business Transact
- Base rate
- 0.01%
- Business Transact
- Base rate
- 0.01%
- Club and Community Transact
- Base rate
- 0.01%
- Disability Support
- Base rate
- 0.01%
- Everyday Transact
- Base rate
- 0.01%
- Money Managers
- Base rate
- 1.55%
- Star Saver
- Base rate
- 0.75%
- Bonus rate
- 4.35%
- Up to
- 5.10%
- Sub Account
- Base rate
- 0.00%
- WAW Bonus Saver
- Base rate
- 0.05%
- Bonus rate
- 5.15%
- Up to
- 5.20%
- WAW Business Basic
- Base rate
- 0.01%
- WAW Business Saver
- Base rate
- 2.65%
- WAW Christmas Saver
- Base rate
- 2.90%
- WAW Club and Community Transact
- Base rate
- 0.01%
- WAW Club Community Saver
- Base rate
- 2.90%
- WAW Everyday Saver
- Base rate
- 2.90%
- WAW Line of Credit
- Base rate
- 0.01%
- WAW Mortgage Offset
- Base rate
- 0.00%
- WAW Pension Plus
- Base rate
- 1.20%
- WAW SMSF Saver
- Base rate
- 2.65%
- WAW Youth Saver
- Base rate
- 0.75%
- Bonus rate
- 4.35%
- Up to
- 5.10%
- Youth Transact
- Base rate
- 0.01%
bankWAW term deposit rates
Compare across banks20 products
Its highest 12-month term deposit rate is 5.35%, on its Limited Offer 12 months: 18th highest of 65 institutions, level with 9 others.
| Rate | bankWAW | Best anywhere | Typical institution |
|---|---|---|---|
| 3-month term depositBest rate for 3 months | 4.60%Limited Offer 3 months | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions |
| 6-month term depositBest rate for 6 months | 5.20%Limited Offer 6 months | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions |
| 12-month term depositBest rate for 12 months | 5.35%Limited Offer 12 months | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 5.35%Farm Management Deposit 12-24 months interest annually | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
- 12-17 months <$25K
- Best rate
- 3.45% for 17m
- Min deposit
- $1,000
- 12-17 months >$25K
- Best rate
- 3.65% for 17m
- Min deposit
- $25,000
- 18-24 months <$25K
- Best rate
- 3.55% for 24m
- Min deposit
- $1,000
- 18-24 months >$25K
- Best rate
- 3.75% for 24m
- Min deposit
- $25,000
- 3-5 months <$25K
- Best rate
- 2.70% for 5m
- Min deposit
- $1,000
- 3-5 months >$25K
- Best rate
- 2.80% for 5m
- Min deposit
- $25,000
- 6-11 months <$25K
- Best rate
- 3.10% for 11m
- Min deposit
- $1,000
- 6-11 months >$25K
- Best rate
- 3.20% for 11m
- Min deposit
- $25,000
- Farm Management Deposit 12-24 months interest annually
- Best rate
- 5.35% for 24m
- Min deposit
- $1,000
- Farm Management Deposit 12-24 months interest quarterly
- Best rate
- 5.20% for 24m
- Min deposit
- $1,000
- Interest paid monthly 12-23 months <$25K
- Best rate
- 3.20% for 23m
- Min deposit
- $5,000
- Interest paid monthly 12-23 months >$25K
- Best rate
- 3.40% for 23m
- Min deposit
- $25,000
- Interest paid monthly 24 months <$25K
- Best rate
- 3.45% for 24m
- Min deposit
- $5,000
- Interest paid monthly 24 months >$25K
- Best rate
- 3.65% for 24m
- Min deposit
- $25,000
- Interest paid monthly 6-11 months <$25K
- Best rate
- 2.30% for 11m
- Min deposit
- $5,000
- Interest paid monthly 6-11 months >$25K
- Best rate
- 2.40% for 11m
- Min deposit
- $25,000
- Limited Offer 12 months
- Best rate
- 5.35% for 12m
- 12 months
- 5.35%
- Min deposit
- $1,000
- Limited Offer 18 months
- Best rate
- 5.35% for 18m
- Min deposit
- $1,000
- Limited Offer 3 months
- Best rate
- 4.60% for 3m
- Min deposit
- $1,000
- Limited Offer 6 months
- Best rate
- 5.20% for 6m
- Min deposit
- $1,000
bankWAW personal loan rates
Compare across banks5 products
Its lowest advertised personal loan rate is 7.59% variable, with a comparison rate of 7.62%, on its Personal Loan Secured: 46th lowest of 69 lenders.
- Green Car Loan
- Variable
- 5.79%, 5.82% comparison
- Loan size
- $1,000 to no maximum
- Upfront fee
- $150
- Personal Loan Secured
- Variable
- 7.59%, 7.62% comparison
- Upfront fee
- $150
- Personal Loan Secured Other
- Variable
- 8.49%, 8.52% comparison
- Loan size
- $1,000 to no maximum
- Upfront fee
- $150
- Personal Loan Unsecured
- Variable
- 12.29%, 12.33% comparison
- Upfront fee
- $150
- Small Green Loan
- Variable
- 7.59%, 7.62% comparison
- Loan size
- $1,000 to no maximum
- Upfront fee
- $150
bankWAW business loan rates
Compare across banks2 products
Its lowest advertised business loan rate is 7.74% variable, on its Business Loan Residential Secured P&I Variable: 24th lowest of 49 lenders.
Has bankWAW passed on the RBA's November 2026 rate rise?
bankWAW 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.
Mon 2 Nov
bankWAW lifted 3 savings rates by 0.10 percentage points.
0.10- WAW Bonus Saver (1 rate)
- Star Saver (1 rate)
- WAW Youth Saver (1 rate)
Wed 28 Oct
bankWAW lifted 18 term deposit rates by 0.10 to 0.20 percentage points.
0.10 to 0.20- Interest paid monthly 6-11 months <$25K (1 rate)
- Interest paid monthly 6-11 months >$25K (1 rate)
- Interest paid monthly 12-23 months <$25K (1 rate)
- Interest paid monthly 12-23 months >$25K (1 rate)
- Interest paid monthly 24 months <$25K (1 rate)
- Interest paid monthly 24 months >$25K (1 rate)
- Limited Offer 3 months (1 rate)
- Limited Offer 12 months (1 rate)
- Limited Offer 18 months (1 rate)
- Limited Offer 6 months (1 rate)
- and 8 more
Tue 13 Oct
bankWAW lifted 1 fixed home loan rate by 0.22 percentage points.
0.22bankWAW lifted 2 term deposit rates by 0.15 percentage points.
0.15
Mon 12 Oct
bankWAW lifted 6 variable home loan rates by 0.25 percentage points.
0.25- Flexible Choice Owner Occupied (1 rate)
- Flexible Choice Investment (1 rate)
- Home Equity Loan Investment (1 rate)
- Home Equity Loan Owner Occupied (1 rate)
- Back to Basics Owner Occupied (1 rate)
- Back to Basics Investment (1 rate)
bankWAW lifted 20 fixed home loan rates by 0.03 to 0.25 percentage points.
0.03 to 0.25- Flexible Choice Owner Occupied (10 rates)
- Flexible Choice Investment (10 rates)
bankWAW lifted 5 personal loan rates by 0.25 percentage points.
0.25- Personal Loan Secured (1 rate)
- Personal Loan Secured Other (1 rate)
- Personal Loan Unsecured (1 rate)
- Small Green Loan (1 rate)
- Green Car Loan (1 rate)
Published by bankWAW under the Consumer Data Right, last changed by them on 2 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.