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Judo Bank

Every product Judo 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 501091, held by Judo Bank Pty Ltd; credit licence since 9 November 2017. ASIC register
No change yetJudo Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

12 products in 4 categories

  1. Savings & transaction accounts4
  2. Term deposits4
  3. Business loans3
  4. Home loans1

Judo Bank's rates today

Judo 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 Judo Bank sits among every institution's best

Judo Bank 8.90%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.

RateJudo BankBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR8.90%Home Loan5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR9.21%Home Loan6.24%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 met5.60%Personal Savings Account5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term5.45%Personal Term Deposits5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Business savings accountEach institution's best interest-paying business account, base plus any bonus2.00%Business Savings Account5.40%Great Southern Bank Business+'s Business+ Saver0.55%of 34 institutions
Business 12-month term depositBest rate for a 12-month term5.45%Business Term Deposits5.70%AMP Bank GO 12 Month Business Term Deposit5.30%of 17 institutions

Judo Bank home loan repayments

Repayments at Judo 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. VariableHome Loan
    8.90%8.92% comparison
    $4,785a month

    $1,122,466 in interest, $1,722,466 repaid in all

  2. 1-year fixedHome Loan
    9.51%8.98% comparison
    $5,050a month

    $1,217,821 in interest, $1,817,821 repaid in all

  3. 2-year fixedHome Loan
    9.36%9.01% comparison
    $4,984a month

    $1,194,223 in interest, $1,794,223 repaid in all

  4. 3-year fixedHome Loan
    9.21%9.01% comparison
    $4,919a month

    $1,170,721 in interest, $1,770,721 repaid in all

  5. 5-year fixedHome Loan
    9.38%9.14% comparison
    $4,993a month

    $1,197,364 in interest, $1,797,364 repaid in all

  6. Investor variableHome Loan
    8.90%8.92% comparison
    $4,785a month

    $1,122,466 in interest, $1,722,466 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 Judo Bank's own calculator: confirm the rate with Judo Bank before you apply.

Judo Bank home loan rates

Compare across banks

1 product

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 8.90%, with a comparison rate of 8.92%, on its Home Loan: 103rd lowest of 104 lenders.

Judo Bank savings and transaction account rates

Compare across banks

4 products

Its highest savings rate is up to 5.60% (0.05% base plus a 5.55% bonus when its conditions are met), on its Personal Savings Account: 5th highest of 84 institutions.

Judo Bank term deposit rates

Compare across banks

4 products

Its highest 12-month term deposit rate is 5.45%, on its Personal Term Deposits: 9th highest of 65 institutions, level with one other.

RateJudo BankBest anywhereTypical institution
3-month term depositBest rate for 3 months4.90%Personal Term Deposits5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions
6-month term depositBest rate for 6 months4.95%Personal Term Deposits5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months5.45%Personal Term Deposits5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years5.60%Personal Term Deposits5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions
3-year term depositBest rate for 3 years5.60%Personal Term Deposits5.60%Judo Bank's Personal Term Deposits4.25%of 44 institutions
5-year term depositBest rate for 5 years5.65%Personal Term Deposits5.65%Judo Bank's Personal Term Deposits4.00%of 27 institutions

Judo Bank business loan rates

Compare across banks

3 products

Rate changes since 18 Sept 2026How every lender responded

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

Judo 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. Sat 7 Nov

    • Judo Bank cut 20 fixed home loan rates by 0.03 to 0.11 percentage points.

      0.03 to 0.11

  2. Sat 31 Oct

    • Judo Bank cut 16 fixed home loan rates by 0.01 to 0.04 percentage points.

      0.01 to 0.04

    • Judo Bank lifted 4 fixed home loan rates by 0.03 percentage points.

      0.03

  3. Fri 30 Oct

  4. Sat 24 Oct

    • Judo Bank lifted 8 fixed home loan rates by 0.02 to 0.05 percentage points.

      0.02 to 0.05

    • Judo Bank cut 8 fixed home loan rates by 0.02 to 0.03 percentage points.

      0.02 to 0.03

  5. Sat 17 Oct

    • Judo Bank cut 20 fixed home loan rates by 0.03 to 0.11 percentage points.

      0.03 to 0.11

  6. Fri 16 Oct

  7. Sat 10 Oct

    • Judo Bank lifted 8 fixed home loan rates by 0.01 percentage points.

      0.01

    • Judo Bank cut 4 fixed home loan rates by 0.01 percentage points.

      0.01

  8. Fri 9 Oct

  9. Wed 7 Oct

    • Judo Bank lifted 4 variable home loan rates by 0.25 percentage points.

      0.25

  10. Tue 6 Oct

    • Judo Bank cut 20 fixed home loan rates by 0.06 to 0.10 percentage points.

      0.06 to 0.10

  11. Thu 1 Oct

    • Judo Bank lifted 20 fixed home loan rates by 0.04 to 0.13 percentage points.

      0.04 to 0.13

  12. Sat 19 Sep

    • Judo Bank cut 20 fixed home loan rates by 0.01 to 0.09 percentage points.

      0.01 to 0.09

Published by Judo 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.