RACQ Bank
Every product RACQ Bank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 13 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 241195, held by Members Banking Group Limited; credit licence since 24 December 2010. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
38 products in 6 categories
RACQ Bank's rates today
RACQ 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 RACQ Bank sits among every institution's best
| Rate | RACQ Bank | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.54%Fair Dinkum Home Loan | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.74%3 Year Fixed Home Loan Owner Occupier | 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 | 3.25%eSave Account | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.35%Term Deposit | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 11.49%Unsecured Personal Loan | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Business savings accountEach institution's best interest-paying business account, base plus any bonus | 0.01%Business Unsecured Current Account | 5.40%Great Southern Bank Business+'s Business+ Saver | 0.55%of 34 institutions |
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 10.13%Commercial Loan Principal and Interest | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions |
RACQ Bank home loan repayments
Repayments at RACQ Bank's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableFair Dinkum Home Loan6.54%6.54% comparison$3,808a month
$770,954 in interest, $1,370,954 repaid in all
- 1-year fixed1 Year Fixed Home Loan Owner Occupier6.69%7.00% comparison$3,868a month
$792,368 in interest, $1,392,368 repaid in all
- 2-year fixed2 Year Fixed Home Loan Owner Occupier6.74%6.98% comparison$3,888a month
$799,536 in interest, $1,399,536 repaid in all
- 3-year fixed3 Year Fixed Home Loan Owner Occupier6.74%6.96% comparison$3,888a month
$799,536 in interest, $1,399,536 repaid in all
- 5-year fixed5 Year Fixed Home Loan Owner Occupier6.94%7.01% comparison$3,968a month
$828,360 in interest, $1,428,360 repaid in all
- Investor variableFair Dinkum Investment Home Loan6.74%6.74% comparison$3,888a month
$799,536 in interest, $1,399,536 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 RACQ Bank's own calculator: confirm the rate with RACQ Bank before you apply.
RACQ Bank home loan rates
Compare across banks20 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.54%, with a comparison rate of 6.54%, on its Fair Dinkum Home Loan: 70th lowest of 104 lenders, level with 4 others.
- 1 Year Fixed Home Loan Investment
- Max LVR
- 90%
- Features
- extra repayments
- 1 Year Fixed Home Loan Investment Interest Only
- Max LVR
- 90%
- Features
- extra repayments
- 1 Year Fixed Home Loan Owner Occupier
- Fixed
- 1 yr 6.69%
- Max LVR
- 90%
- Features
- extra repayments
- 2 Year Fixed Home Loan Investment
- Max LVR
- 90%
- Features
- extra repayments
- 2 Year Fixed Home Loan Investment Interest Only
- Max LVR
- 90%
- Features
- extra repayments
- 2 Year Fixed Home Loan Owner Occupier
- Fixed
- 2 yrs 6.74%
- Max LVR
- 90%
- Features
- extra repayments
- 3 Year Fixed Home Loan Investment
- Max LVR
- 90%
- Features
- extra repayments
- 3 Year Fixed Home Loan Investment Interest Only
- Max LVR
- 90%
- Features
- extra repayments
- 3 Year Fixed Home Loan Owner Occupier
- Fixed
- 3 yrs 6.74%
- Max LVR
- 90%
- Features
- extra repayments
- 5 Year Fixed Home Loan Investment
- Max LVR
- 90%
- Features
- extra repayments
- 5 Year Fixed Home Loan Investment Interest Only
- Max LVR
- 90%
- Features
- extra repayments
- 5 Year Fixed Home Loan Owner Occupier
- Fixed
- 5 yrs 6.94%
- Max LVR
- 90%
- Features
- extra repayments
- Fair Dinkum Home Loan
- Variable (owner occ. P&I)
- 6.39%, 6.39% comparison
- Max LVR
- 90%
- Features
- extra repayments
- Fair Dinkum Investment Home Loan
- Variable (investor P&I)
- 6.59%
- Max LVR
- 90%
- Features
- extra repayments
- Green Home Loan
- Variable (owner occ. P&I)
- 2.79%, 2.79% comparison
- Features
- extra repayments
- Green Home Loan Investment
- Variable (investor P&I)
- 2.79%
- Features
- extra repayments
- Mortgage Breaker Investment
- Variable (investor P&I)
- 6.79%
- Max LVR
- 90%
- Features
- offset, extra repayments
- Mortgage Breaker Investment Interest Only
- Max LVR
- 90%
- Features
- extra repayments
- Mortgage Breaker Owner Occupied
- Variable (owner occ. P&I)
- 6.59%, 6.63% comparison
- Max LVR
- 90%
- Features
- offset, redraw, extra repayments
- Mortgage Saver Home Loan
- Variable (owner occ. P&I)
- 6.49%, 6.53% comparison
- Max LVR
- 90%
- Features
- redraw, extra repayments
RACQ Bank savings and transaction account rates
Compare across banks6 products
Its highest savings rate is 3.25%, on its eSave Account: 57th highest of 84 institutions, level with one other.
RACQ Bank term deposit rates
Compare across banks1 product
Its highest 12-month term deposit rate is 5.35%, on its Term Deposit: 18th highest of 65 institutions, level with 9 others.
| Rate | RACQ Bank | Best anywhere | Typical institution |
|---|---|---|---|
| 3-month term depositBest rate for 3 months | 5.25%Term Deposit | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions |
| 6-month term depositBest rate for 6 months | 5.45%Term Deposit | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions |
| 12-month term depositBest rate for 12 months | 5.35%Term Deposit | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 3.30%Term Deposit | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
| 3-year term depositBest rate for 3 years | 3.30%Term Deposit | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions |
| 5-year term depositBest rate for 5 years | 3.30%Term Deposit | 5.65%Judo Bank's Personal Term Deposits | 4.00%of 27 institutions |
RACQ Bank personal loan rates
Compare across banks7 products
Its lowest advertised personal loan rate is 8.19% fixed, with a comparison rate of 8.36%, on its Fixed Rate Car Loan: 57th lowest of 69 lenders.
- Debt Consolidation Loan
- Variable
- 12.99%, 13.17% comparison
- Loan size
- $3,000 to $60,000
- Upfront fee
- $120
- Fixed Rate Car Loan
- Fixed
- 8.19%, 8.36% comparison
- Loan size
- $3,000 to $100,000
- Upfront fee
- $120
- Green Car Loan
- Fixed
- 7.49%, 7.49% comparison
- Loan size
- $3,000 to $150,000
- Green Personal Loan
- Variable
- 8.49%, 8.49% comparison
- Loan size
- $3,000 to $60,000
- Unsecured Personal Loan
- Variable
- 11.49%, 11.67% comparison
- Loan size
- $3,000 to $60,000
- Upfront fee
- $120
- Unsecured Personal Loan
- Variable
- 11.49%, 11.67% comparison
- Loan size
- $3,000 to $60,000
- Upfront fee
- $120
- Unsecured Personal Loan
- Variable
- 11.49%, 11.67% comparison
- Loan size
- $3,000 to $60,000
- Upfront fee
- $120
RACQ Bank business loan rates
Compare across banks2 products
Its lowest advertised business loan rate is 10.13% variable, on its Commercial Loan Principal and Interest: 43rd lowest of 49 lenders.
RACQ Bank overdraft rates
Compare across banks2 products
Its lowest advertised overdraft rate is 9.25% variable, on its Home Loan Overdraft: 11th lowest of 23 lenders.
Has RACQ Bank passed on the RBA's November 2026 rate rise?
RACQ 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 13 Oct
RACQ Bank lifted 33 variable home loan rates by 0.25 percentage points.
0.25- Mortgage Breaker Investment (6 rates)
- Fair Dinkum Investment Home Loan (5 rates)
- Mortgage Breaker Investment Interest Only (5 rates)
- Mortgage Breaker Owner Occupied (6 rates)
- Mortgage Saver Home Loan (6 rates)
- Fair Dinkum Home Loan (5 rates)
RACQ Bank lifted 5 savings rates by 0.25 percentage points.
0.25- Bonus Saver Account (2 rates)
- eSave Account (1 rate)
- Advantage Plus Account (2 rates)
Fri 18 Sep
RACQ Bank lifted 2 savings rates by 0.50 percentage points.
0.50
Published by RACQ Bank under the Consumer Data Right, last changed by them on 13 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.