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Defence Bank rates
Defence Bank publishes 50 products with a current advertised rate. The rates below are the ones it publishes under the Consumer Data Right today; a rate marked restricted is open only to a stated occupation, employer or membership. Click a product for every rate, its 30-day history and its latest moves, or see every rate in the explorer.
Defence Bank's lowest home loan rate is 6.49% on Premier Low Rate, 0.25 points below the median of 6.74%, the median of all 1,247 advertised home loan rates from 83 lenders. Its highest savings account rate is 5.25% on Cadet Saver, 1.25 points above the median of 4.00%, the median of all 197 advertised savings account rates from 76 lenders. Defence Bank repriced 39 products in the last 30 days, most recently lifting Used Car Loan on 27 October 2026, from 6.39% to 6.89%.
Home loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| DHOAS Premier Low Rate restricted | 6.44% | 6.44% |
| Premier Low Rate | 6.49% | 6.49% |
| Premier Investor Low Rate | 6.59% | 6.59% |
| Ultimate Essentials DHOAS Fix restricted | 6.74% | 7.05% |
| Ultimate Essentials Fixed | 6.74% | 7.09% |
| DHOAS Premier Home Loan restricted | 6.79% | 6.79% |
| Premier Home Loan | 6.84% | 6.84% |
| Ultimate Essentials Construction (INV) restricted | 6.84% | 6.93% |
| Premier Investor Home Loan | 6.94% | 6.94% |
| Ultimate Essential Inv Fixed | 6.94% | 7.20% |
| Ultimate Essentials DHOAS restricted | 6.99% | 7.08% |
| Ultimate Essentials DHOAS Construction (OO) restricted | 6.99% | 7.08% |
| Ultimate Essentials I/O Con | 7.04% | 7.13% |
| Ultimate Essentials I/O Fixed | 7.04% | 7.21% |
| Ultimate Essentials Variable | 7.04% | 7.13% |
| Ultimate Essentials I/O | 7.14% | 7.23% |
| Ultimate Essentials Investor Variable | 7.14% | 7.23% |
Savings accounts
| Product | Advertised rate |
|---|---|
| Cadet Saver | 5.25% |
| Kids Club Savings | 5.25% |
| Teen Saver | 5.25% |
| iSaver | 5.25% |
| Max E Saver | 5.20% |
Term deposits
| Product | Advertised rate |
|---|---|
| Term Deposit 10 month | 5.40% |
| Business Term Deposit 24 mths | 5.35% |
| Term Deposit 24 months | 5.35% |
| Business Term Deposit 12 mths | 5.30% |
| Term Deposit 12 months | 5.30% |
| Business Term Deposit 4 mths | 5.10% |
| Term Deposit 4 month | 5.10% |
| Business Term Deposit 5 mths | 5.00% |
| Business Term Deposit 6 mths | 5.00% |
| Business Term Deposit 9 mths | 5.00% |
| Term Deposit 11 month | 5.00% |
| Term Deposit 5 month | 5.00% |
| Term Deposit 6 months | 5.00% |
| Term Deposit 7 months | 5.00% |
| Term Deposit 8 month | 5.00% |
| Term Deposit 9 months | 5.00% |
| Business Term Deposit 3 mths | 4.60% |
| Term Deposit 3 months | 4.60% |
| Business Term Deposit 1 mth | 2.10% |
| Business Term Deposit 2 mths | 2.10% |
| Term Deposit 1 month | 2.10% |
| Term Deposit 2 months | 2.10% |
Transaction accounts
| Product | Advertised rate |
|---|---|
| Salute Account | 5.75% |
Credit cards
| Product | Advertised rate |
|---|---|
| Defence Bank Foundation Credit Card | 3.99% |
Personal loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| New Car Loan | 6.89% | 7.66% |
| Used Car Loan | 6.89% | 7.66% |
| Personal Loan | 9.09% | 10.06% |
| Consolidation Loan | 13.99% | 14.93% |
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