Great Southern Bank
Every product Great Southern Bank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 3 Nov 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with Great Southern Bank Business+ and Solo by MYOB under the same banking licence. Who shares a cap
- Australian credit licence and AFS licence 238317, held by Credit Union Australia Ltd; credit licence since 1 March 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
75 products in 7 categories
Great Southern Bank's rates today
Great Southern 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 Great Southern Bank sits among every institution's best
| Rate | Great Southern Bank | Best anywhere | Typical institution |
|---|---|---|---|
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.75%3 year Fixed Rate OO P&I | 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 | 5.50%Home Saver | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.00%Standard Rate Term Deposit 1-12 months | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 17.00%Unsecured Fixed Personal Loan | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Credit card purchase rateOngoing purchase rate, not introductory offers | 11.99%Low Rate Credit Card (New) | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions |
| Business overdraftLowest advertised rate; most are variable | 9.70%Business Overdraft (residential secured) | 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 | 7.50%Commercial 1 Year Fixed - Residentially Secured IO | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions |
Great Southern Bank home loan repayments
Repayments at Great Southern Bank's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- 1-year fixed1 year Fixed Rate OO P&I6.75%8.15% comparison$3,892a month
$800,972 in interest, $1,400,972 repaid in all
- 2-year fixed2 year Fixed Rate OO P&I6.75%8.00% comparison$3,892a month
$800,972 in interest, $1,400,972 repaid in all
- 3-year fixed3 year Fixed Rate OO P&I6.75%7.86% comparison$3,892a month
$800,972 in interest, $1,400,972 repaid in all
- 5-year fixed5 year Fixed Rate OO P&I6.80%7.65% comparison$3,912a month
$808,158 in interest, $1,408,158 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 Great Southern Bank's own calculator: confirm the rate with Great Southern Bank before you apply.
Great Southern Bank home loan rates
Compare across banks29 products
- 1 year Fixed Rate INV IO
- Max LVR
- 90%
- Features
- redraw, extra repayments
- 1 year Fixed Rate INV P&I
- Max LVR
- 90%
- Features
- redraw, extra repayments
- 1 year Fixed Rate OO IO
- Max LVR
- 90%
- Features
- redraw, extra repayments
- 1 year Fixed Rate OO P&I
- Fixed
- 1 yr 6.75%
- Max LVR
- 95%
- Features
- redraw, extra repayments
- 2 year Fixed Rate INV IO
- Max LVR
- 90%
- Features
- redraw, extra repayments
- 2 year Fixed Rate INV P&I
- Max LVR
- 90%
- Features
- redraw, extra repayments
- 2 year Fixed Rate OO IO
- Max LVR
- 90%
- Features
- redraw, extra repayments
- 2 year Fixed Rate OO P&I
- Fixed
- 2 yrs 6.75%
- Max LVR
- 95%
- Features
- redraw, extra repayments
- 3 year Fixed Rate INV IO
- Max LVR
- 90%
- Features
- redraw, extra repayments
- 3 year Fixed Rate INV P&I
- Max LVR
- 90%
- Features
- redraw, extra repayments
- 3 year Fixed Rate OO IO
- Max LVR
- 90%
- Features
- redraw, extra repayments
- 3 year Fixed Rate OO P&I
- Fixed
- 3 yrs 6.75%
- Max LVR
- 95%
- Features
- redraw, extra repayments
- 5 year Fixed Rate INV P&I
- Max LVR
- 90%
- Features
- redraw, extra repayments
- 5 year Fixed Rate OO P&I
- Fixed
- 5 yrs 6.80%
- Max LVR
- 95%
- Features
- redraw, extra repayments
- 5year Fixed Rate INV IO
- Max LVR
- 90%
- Features
- redraw, extra repayments
- Basic Variable Investment Construction
- Max LVR
- 90%
- Features
- redraw, extra repayments
- Basic Variable Investment IO
- Max LVR
- 90%
- Features
- redraw, extra repayments
- Basic Variable Investment P&I
- Variable (investor P&I)
- 8.68%
- Max LVR
- 90%
- Features
- redraw, extra repayments
- Basic Variable OO Construction
- Max LVR
- 90%
- Features
- redraw, extra repayments
- Basic Variable OO IO
- Max LVR
- 90%
- Features
- redraw, extra repayments
- Basic Variable OO P&I
- Variable (owner occ. P&I)
- 8.25%, 6.35% comparison
- Max LVR
- 95%
- Features
- redraw, extra repayments
- Bridging Loan INV
- Max LVR
- 70%
- Features
- redraw, extra repayments
- Bridging Loan OO
- Max LVR
- 70%
- Features
- redraw, extra repayments
- Offset Variable Investment Construction
- Max LVR
- 90%
- Features
- offset, redraw, extra repayments
- Offset Variable Investment IO
- Max LVR
- 90%
- Features
- offset, redraw, extra repayments
- Offset Variable Investment P&I
- Variable (investor P&I)
- 8.88%
- Max LVR
- 90%
- Features
- offset, redraw, extra repayments
- Offset Variable OO Construction
- Max LVR
- 90%
- Features
- offset, redraw, extra repayments
- Offset Variable OO IO
- Max LVR
- 90%
- Features
- offset, redraw, extra repayments
- Offset Variable OO P&I
- Variable (owner occ. P&I)
- 8.45%, 6.45% comparison
- Max LVR
- 95%
- Features
- offset, redraw, extra repayments
Great Southern Bank savings and transaction account rates
Compare across banks10 products
Its highest savings rate is up to 5.50% (0.50% base plus a 5.00% bonus when its conditions are met), on its Home Saver: 7th highest of 84 institutions, level with 2 others.
- Everyday 50+ Account
- Base rate
- 0.10%
- Everyday Account
- Base rate
- 0.00%
- Everyday Business Account
- Base rate
- 0.00%
- Everyday Edge Account
- Base rate
- 0.00%
- Everyday Saver
- Base rate
- 0.00%
- Everyday Youth Account
- Base rate
- 0.00%
- Future Saver
- Base rate
- 0.10%
- Bonus rate
- 5.00%
- Up to
- 5.10%
- Goal Saver
- Base rate
- 0.50%
- Bonus rate
- 5.10%
- Up to
- 5.60%
- Home Saver
- Base rate
- 0.50%
- Bonus rate
- 5.00%
- Up to
- 5.50%
- Youth eSaver
- Base rate
- 1.00%
Great Southern Bank term deposit rates
Compare across banks8 products
Its highest 12-month term deposit rate is 5.00%, on its Standard Rate Term Deposit 1-12 months: 57th highest of 65 institutions, level with 3 others.
| Rate | Great Southern Bank | Best anywhere | Typical institution |
|---|---|---|---|
| 3-month term depositBest rate for 3 months | 4.80%Standard Rate Term Deposit 1-12 months | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions |
| 6-month term depositBest rate for 6 months | 4.55%Standard Rate Term Deposit 1-12 months | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions |
| 12-month term depositBest rate for 12 months | 5.00%Standard Rate Term Deposit 1-12 months | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 4.25%Standard Rate Term Deposit 13-60 months (A) | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
| 3-year term depositBest rate for 3 years | 5.00%Standard Rate Term Deposit 13-60 months (A) | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions |
| 5-year term depositBest rate for 5 years | 5.35%Standard Rate Term Deposit 13-60 months (A) | 5.65%Judo Bank's Personal Term Deposits | 4.00%of 27 institutions |
- Platinum Plus Term Deposit 12 months
- Best rate
- 5.10% for 12m
- 12 months
- 5.10%
- Min deposit
- $5,000
- Platinum Plus Term Deposit 12 months (M)
- Best rate
- 5.00% for 12m
- 12 months
- 5.00%
- Min deposit
- $5,000
- Platinum Plus Term Deposit 13-60 Months
- Best rate
- 5.45% for 60m
- Min deposit
- $5,000
- Platinum Plus Term Deposit 13-60 Months (M)
- Best rate
- 5.35% for 60m
- Min deposit
- $5,000
- Standard Rate Term Deposit 1-12 months
- Best rate
- 5.45% for 11m
- 12 months
- 5.00%
- Min deposit
- $5,000
- Standard Rate Term Deposit 13-60 months (A)
- Best rate
- 5.35% for 60m
- Min deposit
- $5,000
- Standard Rate Term Deposit 13-60 months (M)
- Best rate
- 5.25% for 60m
- Min deposit
- $5,000
- Standard Rate Term Deposit 2-12 months
- Best rate
- 5.35% for 11m
- 12 months
- 4.90%
- Min deposit
- $5,000
Great Southern Bank credit card rates
Compare across banks2 products
Its lowest credit card purchase rate is 11.99%, on its Low Rate Credit Card (New): 17th lowest of 51 card issuers, level with 5 others.
Great Southern Bank personal loan rates
Compare across banks4 products
Its lowest advertised personal loan rate is 15.00% fixed, with a comparison rate of 6.83%, on its Secured Fixed Car Loan: 69th lowest of 69 lenders.
- Green Car Loan
- Fixed
- 15.00%, 6.43% comparison
- Loan size
- $5,000 to $100,000
- Upfront fee
- $225
- Secured Fixed Car Loan
- Fixed
- 15.00%, 6.83% comparison
- Loan size
- $5,000 to $100,000
- Upfront fee
- $225
- Unsecured Fixed Personal Loan
- Fixed
- 17.00%, 7.69% comparison
- Loan size
- $5,000 to $75,000
- Upfront fee
- $225
- Unsecured Green Personal Loan
- Fixed
- 17.00%, 6.69% comparison
- Loan size
- $5,000 to $75,000
- Upfront fee
- $225
Great Southern Bank business loan rates
Compare across banks20 products
Its lowest advertised business loan rate is 7.50% fixed, on its Commercial 1 Year Fixed - Residentially Secured IO: 18th lowest of 49 lenders.
- Commercial 1 Year Fixed - Commercially Secured IO
- Fixed
- 8.00%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial 1 Year fixed - Commercially secured P&I
- Fixed
- 8.00%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial 1 Year Fixed - Residentially Secured IO
- Fixed
- 7.50%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial 1 year fixed - Residentially Secured P&I
- Fixed
- 7.50%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial 2 Year Fixed - Commercially Secured IO
- Fixed
- 8.15%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial 2 Year fixed - Commercially secured P&I
- Fixed
- 8.15%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial 2 Year Fixed - Residentially Secured IO
- Fixed
- 7.65%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial 2 year fixed - Residentially Secured P&I
- Fixed
- 7.65%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial 3 Year Fixed - Commercially Secured IO
- Fixed
- 8.15%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial 3 Year fixed - Commercially secured P&I
- Fixed
- 8.15%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial 3 Year Fixed - Residentially Secured IO
- Fixed
- 7.65%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial 3 year fixed - Residentially Secured P&I
- Fixed
- 7.65%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial 5 Year Fixed - Commercially Secured IO
- Fixed
- 8.50%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial 5 Year fixed - Commercially secured P&I
- Fixed
- 8.50%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial 5 Year Fixed - Residentially Secured IO
- Fixed
- 8.00%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial 5 year fixed - Residentially Secured P&I
- Fixed
- 8.00%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial Variable - Commercially Secured IO
- Variable
- 8.00%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial Variable - Commercially secured P&I
- Variable
- 8.00%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial Variable - Residentially Secured IO
- Variable
- 7.50%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
- Commercial Variable - Residentially Secured P&I
- Variable
- 7.50%
- Loan size
- $20,000 to $5,000,000
- Upfront fee
- $750
Great Southern Bank overdraft rates
Compare across banks2 products
Its lowest advertised overdraft rate is 9.70% variable, on its Business Overdraft (residential secured): 13th lowest of 23 lenders.
Has Great Southern Bank passed on the RBA's November 2026 rate rise?
Great Southern 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.
Tue 3 Nov
Great Southern Bank cut 8 term deposit rates by 0.30 to 0.35 percentage points.
0.30 to 0.35- Standard Rate Term Deposit 1-12 months (3 rates)
- Platinum Plus Term Deposit 12 months (1 rate)
- Standard Rate Term Deposit 2-12 months (3 rates)
- Platinum Plus Term Deposit 12 months (M) (1 rate)
Great Southern Bank lifted 6 term deposit rates by 0.80 to 1.35 percentage points.
0.80 to 1.35- Standard Rate Term Deposit 1-12 months (3 rates)
- Standard Rate Term Deposit 2-12 months (3 rates)
Tue 27 Oct
Great Southern Bank lifted 8 savings rates by 0.10 to 0.25 percentage points.
0.10 to 0.25- Youth eSaver (1 rate)
- Everyday 50+ Account (2 rates)
- Everyday Saver (1 rate)
- Home Saver (1 rate)
- Goal Saver (1 rate)
- Future Saver (2 rates)
Thu 8 Oct
Great Southern Bank lifted 1 variable home loan rate by 0.25 percentage points.
0.25
Wed 7 Oct
Great Southern Bank lifted 3 variable home loan rates by 0.25 percentage points.
0.25- Bridging Loan OO (1 rate)
- Basic Variable OO P&I (1 rate)
- Bridging Loan INV (1 rate)
Great Southern Bank lifted 12 term deposit rates by 0.20 to 0.25 percentage points.
0.20 to 0.25- Standard Rate Term Deposit 1-12 months (3 rates)
- Platinum Plus Term Deposit 12 months (1 rate)
- Standard Rate Term Deposit 13-60 months (A) (1 rate)
- Platinum Plus Term Deposit 13-60 Months (1 rate)
- Standard Rate Term Deposit 2-12 months (3 rates)
- Platinum Plus Term Deposit 12 months (M) (1 rate)
- Standard Rate Term Deposit 13-60 months (M) (1 rate)
- Platinum Plus Term Deposit 13-60 Months (M) (1 rate)
Published by Great Southern Bank under the Consumer Data Right, last changed by them on 3 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.