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Darling Downs Bank

Every product Darling Downs Bank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 29 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 240556, held by Warwick Credit Union Ltd; credit licence since 26 January 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetDarling Downs Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

152 products in 6 categories

  1. Term deposits56
  2. Home loans45
  3. Business loans30
  4. Savings & transaction accounts11
  5. Personal loans9
  6. Overdrafts1

Darling Downs Bank's rates today

Darling Downs 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 Darling Downs Bank sits among every institution's best

Warwick Credit Union 6.64%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.

RateDarling Downs BankBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.64%ESSENTIAL HOME LOAN5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
Savings accountBase plus any bonus, when its conditions are met1.20%CHRISTMAS CLUB5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term5.40%FIXED TERM DEPOSITS5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans8.49%AUTO LOANS5.80%Plenti Personal Loan7.96%of 68 institutions
Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower7.95%BILL RATE6.33%SCCU's BUSINESS LOAN7.89%of 47 institutions

Darling Downs Bank home loan repayments

Repayments at Darling Downs 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. VariableESSENTIAL HOME LOAN
    6.64%6.79% comparison
    $3,848a month

    $785,215 in interest, $1,385,215 repaid in all

  2. 1-year fixedPACKAGE HOME LOANS
    6.74%7.09% comparison
    $3,888a month

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

  3. 2-year fixedPACKAGE HOME LOANS
    6.79%7.32% comparison
    $3,908a month

    $806,720 in interest, $1,406,720 repaid in all

  4. Investor variablePACKAGE HOME LOANS
    7.04%7.41% comparison
    $4,008a month

    $842,861 in interest, $1,442,861 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 Darling Downs Bank's own calculator: confirm the rate with Darling Downs Bank before you apply.

Darling Downs Bank home loan rates

Compare across banks

45 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.64%, with a comparison rate of 6.79%, on its ESSENTIAL HOME LOAN: 77th lowest of 104 lenders, level with 4 others.

Darling Downs Bank savings and transaction account rates

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11 products

Its highest savings rate is 1.20%, on its CHRISTMAS CLUB: 68th highest of 84 institutions.

Darling Downs Bank term deposit rates

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56 products

Its highest 12-month term deposit rate is 5.40%, on its FIXED TERM DEPOSITS: 11th highest of 65 institutions, level with 6 others.

RateDarling Downs BankBest anywhereTypical institution
3-month term depositBest rate for 3 months4.40%FIXED TERM DEPOSITS5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions
6-month term depositBest rate for 6 months5.30%FIXED TERM DEPOSITS5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months5.40%FIXED TERM DEPOSITS5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years4.45%FIXED TERM DEPOSITS5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions

Darling Downs Bank personal loan rates

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9 products

Its lowest advertised personal loan rate is 8.49% fixed, with a comparison rate of 9.19%, on its AUTO LOANS: 58th lowest of 69 lenders, level with one other.

Darling Downs Bank business loan rates

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30 products

Its lowest advertised business loan rate is 7.95% variable, on its BILL RATE: 31st lowest of 49 lenders.

Darling Downs Bank overdraft rates

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1 product

Its lowest advertised overdraft rate is 10.80% variable, on its CHOICE ACCOUNT: 18th lowest of 23 lenders.

Rate changes since 18 Sept 2026How every lender responded

Has Darling Downs Bank passed on the RBA's November 2026 rate rise?

Darling Downs 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. Thu 15 Oct

  2. Wed 14 Oct

  3. Wed 7 Oct

  4. Tue 6 Oct

  5. Sat 3 Oct

Published by Darling Downs Bank under the Consumer Data Right, last changed by them on 29 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.