The Finance Algorithm

Live · as of todayRBA Cash Rate4.35%Held since May 26AUD/USD0.7045-1.05% dayASX 2008,765.3+0.38% dayFixed 3yr (avg)6.74%owner-occ, banksVariable (avg)6.80%owner-occ, discountedMedian Sydney$1.61M▼ 0.4% qtrMedian Melbourne$920k▼ 0.8% qtrSuper (Balanced, FY25-26)+9.4%median · SuperRatingsBTC/AUD$119,786-0.9% 24h10yr Gov Bond5.35%▼ 0.06Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%Unemployment4.5%▲ 3-yr highRBA Cash Rate4.35%Held since May 26AUD/USD0.7045-1.05% dayASX 2008,765.3+0.38% dayFixed 3yr (avg)6.74%owner-occ, banksVariable (avg)6.80%owner-occ, discountedMedian Sydney$1.61M▼ 0.4% qtrMedian Melbourne$920k▼ 0.8% qtrSuper (Balanced, FY25-26)+9.4%median · SuperRatingsBTC/AUD$119,786-0.9% 24h10yr Gov Bond5.35%▼ 0.06Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%Unemployment4.5%▲ 3-yr high

18 products · 3 categories · changed 18 Sept 2026

MyState Bank.

Home loans 4 Term deposits 6 Savings & transaction accounts 8

Home loans · 4Compare across banks →

Basic Variable Loan

Variable (owner occ. P&I): 6.04% · 6.07% comparison
Variable (investor P&I): 6.19%
Max LVR: 100%

Fixed Rate Loan

Fixed: 1 yr 6.49% · 2 yrs 6.49% · 3 yrs 6.54% · 5 yrs 6.89%
Max LVR: 98%
Features: extra repayments

Special Residential Variable Loan

Variable (owner occ. P&I): 6.04% · 6.09% comparison
Variable (investor P&I): 6.19%
Max LVR: 100%

Standard Variable Loan

Variable (owner occ. P&I): 8.37% · 8.43% comparison
Variable (investor P&I): 8.37%
Max LVR: 100%

Term deposits · 6Compare across banks →

AMM - Regular Term Deposit

Best rate: 5.30% for 12m
12 months: 5.30%
Min deposit: $5,000

Business Term Deposit

Best rate: 5.25% for 12m
12 months: 5.25%
Min deposit: $5,000

E&P - Regular Term Deposit

Best rate: 5.30% for 12m
12 months: 5.30%
Min deposit: $5,000

Online Term Deposit

Best rate: 5.25% for 12m
12 months: 5.25%
Min deposit: $5,000

Ord Minnett - Regular Term Deposit

Best rate: 5.30% for 12m
12 months: 5.30%

Regular Term Deposit

Best rate: 5.25% for 12m
12 months: 5.25%
Min deposit: $5,000

Savings & transaction accounts · 8Compare across banks →

Pricing: Rates on application
Monthly fee: $0

Bonus rate: 4.95%
Up to: 4.95%

Business Online Saver

Base rate: 0.00%

E&P High Yield Account

Base rate: 4.50%

Everyday Business Account

Pricing: Rates on application
Monthly fee: $6

Base rate: 0.00%
Monthly fee: $0

Hello Saver account

Base rate: 2.75%
Intro rate: 5.40% for 4 mo
Monthly fee: $0

Pricing: Rates on application
Monthly fee: $8

Published by MyState Bank under the Consumer Data Right, last changed by them on 18 Sept 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.

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