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Woolworths Team Bank

Every product Woolworths Team 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 240720, held by Woolworths Team Bank Limited; credit licence since 1 February 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetWoolworths Team Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

30 products in 6 categories

  1. Home loans8
  2. Term deposits7
  3. Personal loans7
  4. Savings & transaction accounts5
  5. Overdrafts2
  6. Credit cards1

Woolworths Team Bank's rates today

Woolworths Team 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 Woolworths Team Bank sits among every institution's best

Woolworths Team Bank 6.19%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.

RateWoolworths Team BankBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.19%Team Member Home Loan - No Offset5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.69%Team Member Home Loan - No Offset6.24%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 met4.90%Bonus Saver Account5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term4.00%12 MONTHS5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans8.49%PERSONAL5.80%Plenti Personal Loan7.96%of 68 institutions
Credit card purchase rateOngoing purchase rate, not introductory offers13.45%Visa Credit Card7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions

Woolworths Team Bank home loan repayments

Repayments at Woolworths Team 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. VariableTeam Member Home Loan - No Offset
    6.19%6.28% comparison
    $3,671a month

    $721,532 in interest, $1,321,532 repaid in all

  2. 1-year fixedTeam Member Home Loan - No Offset
    6.64%6.33% comparison
    $3,848a month

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

  3. 2-year fixedTeam Member Home Loan - No Offset
    6.79%6.40% comparison
    $3,908a month

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

  4. 3-year fixedTeam Member Home Loan - No Offset
    6.69%6.42% comparison
    $3,868a month

    $792,368 in interest, $1,392,368 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 Woolworths Team Bank's own calculator: confirm the rate with Woolworths Team Bank before you apply.

Woolworths Team Bank home loan rates

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8 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.19%, with a comparison rate of 6.28%, on its Team Member Home Loan - No Offset: 16th lowest of 104 lenders, level with 6 others.

Woolworths Team Bank savings and transaction account rates

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5 products

Its highest savings rate is up to 4.90% (0.10% base plus a 4.80% bonus when its conditions are met), on its Bonus Saver Account: 35th highest of 84 institutions, level with one other.

Woolworths Team Bank term deposit rates

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7 products

Its highest 12-month term deposit rate is 4.00%, on its 12 MONTHS: 64th highest of 65 institutions.

RateWoolworths Team BankBest anywhereTypical institution
6-month term depositBest rate for 6 months4.00%6 MONTHS5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months4.00%12 MONTHS5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years1.95%24 MONTHS5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions

Woolworths Team Bank credit card rates

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1 product

Its lowest credit card purchase rate is 13.45%, on its Visa Credit Card: 32nd lowest of 51 card issuers.

Woolworths Team Bank personal loan rates

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7 products

Its lowest advertised personal loan rate is 6.19% variable, with a comparison rate of 6.63%, on its Electric Vehicle Loan: 6th lowest of 69 lenders, level with 2 others.

Woolworths Team Bank overdraft rates

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2 products

Its lowest advertised overdraft rate is 13.85% variable, on its Access Account Overdraft: 21st lowest of 23 lenders.

Rate changes since 18 Sept 2026How every lender responded

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

Woolworths Team 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 8 Oct

  2. Sat 26 Sep

Withdrawn recently

  • 4 MONTH SPECIALTerm deposit, withdrawn 25 Sept 2026

Published by Woolworths Team 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.