Unity Bank now has the lowest personal loans rate we track, 5.55%
Unity Bank now has the lowest mainstream personal loans rate we track, 5.55%, after bankWAW repriced. The lowest personal loans rate we tracked the day before was 5.54%.
Daily insights ·
Unity Bank, Darling Downs Bank and 2 other lenders: rate changes, 12 October 2026
7 insights from the product data Australian lenders published under the Consumer Data Right that day, ranked by the size of the move, weighted toward the biggest lenders and the breadth of the reprice. The same wording appears on the home page the morning it is written.
Darling Downs Bank lifts its 1-year term deposit rate to 5.40%, 0.20pp below the highest we track
The 5.40% applies on balances of $200,000 to $500,000 and was 5.20% a week ago. The highest term deposit rate we track is 5.60%, at CommFCU and Gateway Bank.
bankWAW lifts its 2-year introductory home loan rate 0.25pp to 6.04%
The 6.04% is the 2-year introductory rate on Back to Basics Owner Occupied for owner-occupiers paying principal and interest, with a deposit of 40% or more. Its other 1- to 5-year home loan rates rose too, by 0.25pp. Its variable home loan rates rose 0.25pp.
TMCU lifts its variable home loan rate 0.25pp to 6.14%
The 6.14% is the variable rate on Refi Special Owner Occupied for owner-occupiers paying principal and interest. Its other 1- to 2-year fixed home loan rates rose too, by 0.25pp.
bankWAW lifts its variable personal loan rate 0.25pp to 5.79%
The 5.79% is the variable rate on the Green Car Loan.
TMCU lifts its 6-month term deposit 0.25pp to 3.60%
The 3.60% is the 6-month term deposit rate, on balances of $1,000 to $1,000,000. Its other 23-month to 2-year term deposits rose too, by 0.25pp.
bankWAW lifts its variable business loan rate 0.25pp to 7.74%
The 7.74% is the variable rate on Business Loan Residential Secured Principal & Interest Variable.
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