The Finance Algorithm
Cairns bank logo

Cairns bank

Every product Cairns bank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 7 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 244324, held by Cairns Penny Savings & Loans Limited; credit licence since 14 September 2010. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetCairns bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

90 products in 6 categories

  1. Home loans72
  2. Savings & transaction accounts7
  3. Term deposits5
  4. Personal loans3
  5. Overdrafts2
  6. Business loans1

Cairns bank's rates today

Cairns bank'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 Cairns bank sits among every institution's best

Cairns bank 6.49%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.

RateCairns bankBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.49%CLASSIC HOME LOAN VARIABLE <60 LVR PI5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.59%PLUS HOME LOAN FIXED 3YR <60 LVR PI6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions
Savings accountBase plus any bonus, when its conditions are met2.25%Christmas Saver Account5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans7.34%Personal Loan - Secured (residential)5.80%Plenti Personal Loan7.96%of 68 institutions
Business savings accountEach institution's best interest-paying business account, base plus any bonus0.01%Business account5.40%Great Southern Bank Business+'s Business+ Saver0.55%of 34 institutions
Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower7.29%Commercial Loan6.33%SCCU's BUSINESS LOAN7.89%of 47 institutions

Cairns bank home loan repayments

Repayments at Cairns bank'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. VariableCLASSIC HOME LOAN VARIABLE <60 LVR PI
    6.49%5.95% comparison
    $3,788a month

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

  2. 1-year fixedPLUS HOME LOAN FIXED 1YR <60 LVR PI
    6.44%6.26% comparison
    $3,769a month

    $756,755 in interest, $1,356,755 repaid in all

  3. 2-year fixedPLUS HOME LOAN FIXED 2YR <60 LVR PI
    6.49%6.23% comparison
    $3,788a month

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

  4. 3-year fixedPLUS HOME LOAN FIXED 3YR <60 LVR PI
    6.59%6.20% comparison
    $3,828a month

    $778,077 in interest, $1,378,077 repaid in all

  5. Investor variableCLASSIC INVESTMENT HL VARIABLE <60 LVR PI
    6.59%6.05% comparison
    $3,828a month

    $778,077 in interest, $1,378,077 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 Cairns bank's own calculator: confirm the rate with Cairns bank before you apply.

Cairns bank home loan rates

Compare across banks

72 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.49%, with a comparison rate of 5.95%, on its CLASSIC HOME LOAN VARIABLE <60 LVR PI: 66th lowest of 104 lenders, level with 2 others.

Cairns bank savings and transaction account rates

Compare across banks

7 products

Its highest savings rate is 2.25%, on its Christmas Saver Account: 62nd highest of 84 institutions.

Cairns bank term deposit rates

Compare across banks

5 products

Cairns bank personal loan rates

Compare across banks

3 products

Its lowest advertised personal loan rate is 7.34% variable, with a comparison rate of 8.21%, on its Personal Loan - Secured (residential): 41st lowest of 69 lenders.

Cairns bank business loan rates

Compare across banks

1 product

Its lowest advertised business loan rate is 7.29% fixed, on its Commercial Loan: 14th lowest of 49 lenders.

Cairns bank overdraft rates

Compare across banks

2 products

Rate changes since 18 Sept 2026How every lender responded

Has Cairns bank passed on the RBA's November 2026 rate rise?

Cairns bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

It has cut 1 savings rate since, typically by 0.25 percentage points.

  1. Sat 7 Nov

  2. Fri 6 Nov

  3. Thu 5 Nov

  4. Wed 4 Nov

  5. Tue 3 Nov

  6. Sun 1 Nov

  7. Sat 31 Oct

  8. Fri 30 Oct

  9. Thu 29 Oct

  10. Wed 28 Oct

  11. Tue 27 Oct

  12. Mon 26 Oct

  13. Sun 25 Oct

  14. Sat 24 Oct

Published by Cairns bank under the Consumer Data Right, last changed by them on 7 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.