AMB Bank ProductCapital Guaranteed Super
Capital Guaranteed Super account is a retirement savings account (RSA) that offers a tax advantaged way to save for your retirement. It is a low risk, low cost investment option with nominal monthly fees. The account is a capital guaranteed investment, meaning your retirement savings are protected from negative earnings. Retirement Savings Account (RSA) is a superannuation account with the same tax concessions as any other superannuation fund, however it operates similar to a savings/investment account.
At a glance
- Base rate
- 0.25%
- Monthly fee
- $5
How it compares
This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| No bonus conditionsPaid whatever you deposit or spend | 0.25% | 4.80%MoveBank's Online Saver | 2.25%of 61 institutions | 49th highest of 61 |
Rates
Every rate AMB Bank Product publishes for this account, 5 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedMaximum rate | - | 1 yr | $20,000+ | 5.40% | - | paid every 1 yr |
| Fixed | - | 2 yrs | $20,000+ | 3.55% | - | paid every 2 yrs |
| Fixed | - | 3 yrs | $20,000+ | 3.20% | - | paid every 3 yrs |
| VariableBase rate | - | - | up to $10,000 | 0.25% | - | paid every 1 mo |
| Variable10K plus | - | - | $10,000+ | 0.25% | - | paid every 1 mo |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 21 Oct 2026 | Fixed, 1 yr, $20,000+ | 3.60% | 5.40% | up 1.80 |
Each change is logged the night it appears in the rates Australian Military Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
7 fees published, grouped by when they're charged.
While you hold it1
- Account Administration Fee
Deducted from variable interest option
$5 a month
When you make a transaction1
- Early Withdrawal Break Costs
<20% of term remaining = interest rate reduction 20% 20% - 40% of term remaining = interest rate reduction 40% 40% - 60% of term remaining = interest rate reduction 60% 60% - 80% of term remaining =…
20.00% of interest accrued
When particular things happen5
- Audit Certificate Fee$50
- Member requested paper statement collected at branch$2.50
- Member requested paper statements posted$5
- Member requested paper statements$2
- Retrieval of member documents from archivesFrom $50
Features
None published.
Eligibility and limits
- Minimum age 18
- Residency: Australian citizen, NZ citizen or permanent resident of Australia
- Minimum balance $20,000
- Opening balance $6,000
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Published by Australian Military Bank under the Consumer Data Right, last changed by them on 6 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.