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Central Murray Bank

Every product Central Murray Bank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 11 Oct 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 239446, held by Central Murray Credit Union Limited; credit licence since 14 January 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetCentral Murray Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

86 products in 6 categories

  1. Term deposits26
  2. Home loans17
  3. Personal loans14
  4. Savings & transaction accounts12
  5. Business loans11
  6. Overdrafts6

Central Murray Bank's rates today

Central Murray 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 Central Murray Bank sits among every institution's best

Central Murray Credit Union Limited 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.

RateCentral Murray BankBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.49%HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 70-80%5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR7.24%HOUSING LOAN (CODE) - Owner Occupied - Fixed Interest - 36 months - Principal and Interest6.24%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 met0.55%CHRISTMAS CLUB ACCOUNT5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term4.50%TERM DEPOSIT 12 MONTHS5.75%Suncorp Bank's Term Deposit5.30%of 65 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

Central Murray Bank home loan repayments

Repayments at Central Murray 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. VariableHOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 70-80%
    6.49%6.55% comparison
    $3,788a month

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

  2. 1-year fixedHOUSING LOAN (CODE) - Owner Occupied - Fixed Interest - 12 months - Principal and Interest
    6.74%7.25% comparison
    $3,888a month

    $799,536 in interest, $1,399,536 repaid in all

  3. 2-year fixedHOUSING LOAN (CODE) - Owner Occupied- Fixed Interest - 24 months - Principal and Interest
    6.99%7.25% comparison
    $3,988a month

    $835,603 in interest, $1,435,603 repaid in all

  4. 3-year fixedHOUSING LOAN (CODE) - Owner Occupied - Fixed Interest - 36 months - Principal and Interest
    7.24%7.30% comparison
    $4,089a month

    $872,036 in interest, $1,472,036 repaid in all

  5. Investor variableHOUSING LOAN (CODE) - Investment - Variable Interest - Principal and Interest - LVR < 80%
    7.74%7.81% comparison
    $4,294a month

    $945,958 in interest, $1,545,958 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 Central Murray Bank's own calculator: confirm the rate with Central Murray Bank before you apply.

Central Murray Bank home loan rates

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17 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.49%, with a comparison rate of 6.55%, on its HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 70-80%: 66th lowest of 104 lenders, level with 2 others.

Central Murray Bank savings and transaction account rates

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12 products

Its highest savings rate is 0.55%, on its CHRISTMAS CLUB ACCOUNT: 70th highest of 84 institutions.

Central Murray Bank term deposit rates

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26 products

Its highest 12-month term deposit rate is 4.50%, on its TERM DEPOSIT 12 MONTHS: 62nd highest of 65 institutions, level with one other.

RateCentral Murray BankBest anywhereTypical institution
3-month term depositBest rate for 3 months3.50%TERM DEPOSIT 3 MONTHS5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions
6-month term depositBest rate for 6 months4.25%TERM DEPOSIT 6 MONTHS5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months4.50%TERM DEPOSIT 12 MONTHS5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years3.75%TERM DEPOSIT 24 MONTHS5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions

Central Murray Bank personal loan rates

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14 products

Central Murray Bank business loan rates

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11 products

Its lowest advertised business loan rate is 5.10% fixed, with a comparison rate of 6.82%, on its SMSF LOAN: the lowest of 49 lenders.

Central Murray Bank overdraft rates

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6 products

Rate changes since 18 Sept 2026How every lender responded

Has Central Murray Bank passed on the RBA's November 2026 rate rise?

Central Murray Bank 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. Sun 11 Oct

    • Central Murray Bank lifted 5 term deposit rates by 0.25 percentage points.

      0.25

  2. Sat 10 Oct

  3. Thu 1 Oct

Published by Central Murray Bank under the Consumer Data Right, last changed by them on 11 Oct 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.