Coastline Bank
Every product Coastline Bank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 16 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 239175, held by Coastline Credit Union Limited; credit licence since 1 March 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
59 products in 7 categories
Coastline Bank's rates today
Coastline 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 Coastline Bank sits among every institution's best
| Rate | Coastline Bank | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.49%Classic Home Loan | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.59%Fixed Rate Home Loan | 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 | 1.95%Christmas Club | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.15%I22 Term Deposit 12 Mths | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 7.75%FTD Secured Personal Loan | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Credit card purchase rateOngoing purchase rate, not introductory offers | 10.24%Visa Credit Card | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions |
| Business overdraftLowest advertised rate; most are variable | 19.00%Business Access | 8.24%IMB Bank's Commercial Credit line | 10.06%of 12 institutions |
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 6.59%Business Interest Fixed | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions |
| Business credit card purchase rateOngoing purchase rate, not introductory offers | 14.05%Business Access Plus | 6.96%Greater Bank's Business Visa Credit Card | 13.49%of 14 institutions |
Coastline Bank home loan repayments
Repayments at Coastline Bank's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableClassic Home Loan6.49%6.65% comparison$3,788a month
$763,847 in interest, $1,363,847 repaid in all
- 1-year fixedFixed Rate Home Loan6.49%6.65% comparison$3,788a month
$763,847 in interest, $1,363,847 repaid in all
- 2-year fixedFixed Rate Home Loan6.54%6.66% comparison$3,808a month
$770,954 in interest, $1,370,954 repaid in all
- 3-year fixedFixed Rate Home Loan6.59%6.68% comparison$3,828a month
$778,077 in interest, $1,378,077 repaid in all
- Investor variableInvestment Essentials6.49%6.65% 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 Coastline Bank's own calculator: confirm the rate with Coastline Bank before you apply.
Coastline Bank home loan rates
Compare across banks12 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.49%, with a comparison rate of 6.65%, on its Classic Home Loan: 66th lowest of 104 lenders, level with 2 others.
- Classic Home Loan
- Variable (owner occ. P&I)
- 6.39%, 6.55% comparison
- Max LVR
- 95%
- Annual fee
- $96
- First Home Buyer Loan
- Variable (owner occ. P&I)
- 6.14%, 6.14% comparison
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- Fixed Rate Home Loan
- Fixed
- 1 yr 6.45%, 2 yrs 6.54%, 3 yrs 6.59%
- Max LVR
- 95%
- Annual fee
- $96
- Fixed Rate Investment Loan
- Max LVR
- 95%
- Annual fee
- $96
- Features
- redraw, extra repayments
- Interest Only (Investment)
- Max LVR
- 90%
- Features
- redraw, extra repayments
- Interest Only (Owner Occupied)
- Max LVR
- 90%
- Features
- redraw, extra repayments
- Investment Essentials
- Variable (investor P&I)
- 6.39%
- Max LVR
- 95%
- Annual fee
- $96
- Investment Options
- Variable (investor P&I)
- 8.86%
- Max LVR
- 95%
- Annual fee
- $96
- Investment Variable
- Variable (investor P&I)
- 9.86%
- Max LVR
- 95%
- Features
- redraw, extra repayments
- Options Home Loan
- Max LVR
- 95%
- Annual fee
- $96
- Features
- redraw, extra repayments
- Staff Housing Loan
- Variable (owner occ. P&I)
- 5.94%, 6.01% comparison
- Max LVR
- 95%
- Features
- offset, redraw, extra repayments
- Variable Housing
- Variable (owner occ. P&I)
- 9.46%, 9.46% comparison
- Max LVR
- 95%
- Features
- redraw, extra repayments
Coastline Bank savings and transaction account rates
Compare across banks12 products
Its highest savings rate is 1.95%, on its Christmas Club: 64th highest of 84 institutions.
- Bonus Reward Saver
- Base rate
- 0.40%
- Monthly fee
- $6
- Budget Saver
- Pricing
- Rates on application
- Budget Wise Account
- Base rate
- 0.00%
- Business Access
- Monthly fee
- $0
- Christmas Club
- Base rate
- 1.95%
- Coastline Access
- Coastline Savings Account
- Base rate
- 0.00%
- Community Support
- Cubs Access Account
- Base rate
- 0.10%
- Gold Benefits Savings
- Base rate
- 0.50%
- Kickstart Access Account
- Base rate
- 0.10%
- Mortgage Loan Offset
- Base rate
- 0.00%
Coastline Bank term deposit rates
Compare across banks9 products
Its highest 12-month term deposit rate is 5.15%, on its I22 Term Deposit 12 Mths: 53rd highest of 65 institutions, level with one other.
| Rate | Coastline Bank | Best anywhere | Typical institution |
|---|---|---|---|
| 3-month term depositBest rate for 3 months | 4.75%I20 Term Deposit 3 Mths | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions |
| 6-month term depositBest rate for 6 months | 5.10%I21 Term Deposit 6 Mths | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions |
| 12-month term depositBest rate for 12 months | 5.15%I22 Term Deposit 12 Mths | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 4.90%I23 Term Deposit 24 Mths | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
- I20 Term Deposit 3 Mths
- Best rate
- 4.75% for 3m
- Min deposit
- $5,000
- I21 Term Deposit 6 Mths
- Best rate
- 5.10% for 6m
- Min deposit
- $5,000
- I22 Term Deposit 12 Mths
- Best rate
- 5.15% for 12m
- 12 months
- 5.15%
- Min deposit
- $5,000
- I23 Term Deposit 24 Mths
- Best rate
- 4.90% for 24m
- Min deposit
- $5,000
- I40 Cubs Term Deposit
- Best rate
- 4.20% for 3m
- Min deposit
- $500
- I41 Kickstart Term Deposit
- Best rate
- 4.20% for 3m
- Min deposit
- $500
- I50 Gold Mbr Ftd 6 Mths
- Best rate
- 5.20% for 6m
- Min deposit
- $5,000
- I51 Gold Mbr Ftd 12 Mths
- Best rate
- 5.25% for 12m
- 12 months
- 5.25%
- Min deposit
- $5,000
- I52 Gold Mbr Ftd 24 Mths
- Best rate
- 5.00% for 24m
- Min deposit
- $5,000
Coastline Bank credit card rates
Compare across banks4 products
Its lowest credit card purchase rate is 10.24%, on its Visa Credit Card: 7th lowest of 51 card issuers.
Coastline Bank personal loan rates
Compare across banks6 products
Its lowest advertised personal loan rate is 7.75% variable, with a comparison rate of 8.20%, on its FTD Secured Personal Loan: 48th lowest of 69 lenders.
- Fixed Rate Car Loan
- Variable
- 10.00%, 10.59% comparison
- Loan size
- $10,000 to no maximum
- Upfront fee
- $300
- FTD Secured Personal Loan
- Variable
- 7.75%, 8.20% comparison
- Loan size
- $500 to no maximum
- Upfront fee
- $300
- Personal Car Loan
- Variable
- 8.75%, 9.33% comparison
- Loan size
- $10,000 to no maximum
- Upfront fee
- $300
- Secured Personal Loan
- Variable
- 7.75%, 9.29% comparison
- Loan size
- $500 to no maximum
- Upfront fee
- $300
- Staff Personal Loan
- Variable
- 7.15%
- Loan size
- $500 to no maximum
- Upfront fee
- $300
- Unsecured Personal Loan
- Variable
- 13.25%, 15.54% comparison
- Loan size
- $500 to no maximum
- Upfront fee
- $300
Coastline Bank business loan rates
Compare across banks7 products
Its lowest advertised business loan rate is 6.59% fixed, on its Business Interest Fixed: 5th lowest of 49 lenders.
- Business - General
- Variable
- 13.89%
- Upfront fee
- $5
- Business Comm Mortgage
- Variable
- 11.26%
- Upfront fee
- $5
- Business Interest Fixed
- Fixed
- 6.59%
- Upfront fee
- $5
- Business Res Mortgage
- Variable
- 9.91%
- Upfront fee
- $30
- Business SMSF Prop Int Only
- Variable
- 11.26%
- Upfront fee
- $30
- Business SMSF Property Loan
- Variable
- 11.26%
- Upfront fee
- $30
- Interest Only (Commercial)
- Variable
- 10.86%
- Upfront fee
- $5
Coastline Bank overdraft rates
Compare across banks9 products
Its lowest advertised overdraft rate is 8.56% variable, on its Home Equity Access: 7th lowest of 23 lenders.
- Business Access
- Variable
- 19.00%
- Loan size
- $500 to no maximum
- Upfront fee
- $5
- Business Access Plus
- Variable
- 0.00%
- Loan size
- $500 to no maximum
- Upfront fee
- $5
- Coastline Access
- Variable
- 19.00%
- Loan size
- $500 to no maximum
- Upfront fee
- $300
- Community Support
- Variable
- 19.00%
- Loan size
- $500 to no maximum
- Upfront fee
- $300
- Deeming
- Variable
- 19.00%
- Loan size
- $500 to no maximum
- Upfront fee
- $300
- Gold Benefits Savings
- Variable
- 15.00%
- Loan size
- $500 to no maximum
- Upfront fee
- $300
- Home Equity Access
- Variable
- 8.56%
- Loan size
- $50,000 to no maximum
- Upfront fee
- $595
- Home Equity Access
- Variable
- 8.56%
- Loan size
- $50,000 to no maximum
- Upfront fee
- $595
- Ready Now Cash
- Variable
- 14.00%
- Loan size
- $2,000 to $50,000
- Upfront fee
- $300
Has Coastline Bank passed on the RBA's November 2026 rate rise?
Coastline 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.
Fri 16 Oct
Coastline Bank lifted 21 variable home loan rates by 0.25 to 0.35 percentage points.
0.25 to 0.35- Variable Housing (1 rate)
- First Home Buyer Loan (3 rates)
- Classic Home Loan (3 rates)
- Staff Housing Loan (1 rate)
- Interest Only (Owner Occupied) (3 rates)
- Investment Essentials (3 rates)
- Investment Options (3 rates)
- Investment Variable (1 rate)
- Interest Only (Investment) (3 rates)
Coastline Bank lifted 18 fixed home loan rates by 0.21 to 0.25 percentage points.
0.21 to 0.25- Fixed Rate Home Loan (9 rates)
- Fixed Rate Investment Loan (9 rates)
Coastline Bank lifted 15 term deposit rates by 0.10 to 0.25 percentage points.
0.10 to 0.25- I50 Gold Mbr Ftd 6 Mths (9 rates)
- I20 Term Deposit 3 Mths (3 rates)
- I21 Term Deposit 6 Mths (3 rates)
Coastline Bank lifted 4 personal loan rates by 0.25 percentage points.
0.25- Secured Personal Loan (1 rate)
- Unsecured Personal Loan (2 rates)
- FTD Secured Personal Loan (1 rate)
Thu 15 Oct
Coastline Bank lifted 1 personal loan rate by 0.25 percentage points.
0.25Coastline Bank lifted 2 credit card purchase rates by 0.25 percentage points.
0.25- Visa Credit Card (1 rate)
- Visa Credit Card (1 rate)
Published by Coastline Bank under the Consumer Data Right, last changed by them on 16 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.