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RACQ Bank rates
RACQ Bank publishes 36 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.
RACQ Bank's lowest home loan rate is 6.39% on Fair Dinkum Home Loan, 0.35 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 6.00% on Bonus Saver Account, 2.00 points above the median of 4.00%, the median of all 197 advertised savings account rates from 76 lenders. RACQ Bank repriced 12 products in the last 30 days, most recently lifting Advantage Plus Account on 13 October 2026, from 1.75% to 2.00%.
Home loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| Green Home Loan restricted | 2.79% | 2.79% |
| Green Home Loan Investment restricted | 2.79% | 2.79% |
| Fair Dinkum Home Loan | 6.39% | 6.39% |
| Mortgage Saver Home Loan | 6.49% | 6.53% |
| Fair Dinkum Investment Home Loan | 6.59% | 6.59% |
| Mortgage Breaker Owner Occupied | 6.59% | 6.63% |
| 1 Year Fixed Home Loan Owner Occupier | 6.69% | 7.00% |
| 2 Year Fixed Home Loan Owner Occupier | 6.74% | 6.98% |
| 3 Year Fixed Home Loan Owner Occupier | 6.74% | 6.96% |
| Mortgage Breaker Investment | 6.79% | 6.83% |
| Mortgage Breaker Investment Interest Only | 6.79% | 6.83% |
| 1 Year Fixed Home Loan Investment | 6.89% | 7.29% |
| 1 Year Fixed Home Loan Investment Interest Only | 6.89% | 7.29% |
| 2 Year Fixed Home Loan Investment | 6.94% | 7.26% |
| 2 Year Fixed Home Loan Investment Interest Only | 6.94% | 7.26% |
| 3 Year Fixed Home Loan Investment | 6.94% | 7.23% |
| 3 Year Fixed Home Loan Investment Interest Only | 6.94% | 7.23% |
| 5 Year Fixed Home Loan Owner Occupier | 6.94% | 7.01% |
| 5 Year Fixed Home Loan Investment | 7.14% | 7.27% |
| 5 Year Fixed Home Loan Investment Interest Only | 7.14% | 7.27% |
Savings accounts
| Product | Advertised rate |
|---|---|
| Bonus Saver Account | 6.00% |
Term deposits
| Product | Advertised rate |
|---|---|
| Term Deposit | 5.45% |
Transaction accounts
| Product | Advertised rate |
|---|---|
| Advantage Plus Account | 3.50% |
| eSave Account | 3.25% |
| Business Unsecured Current Account | 0.01% |
Personal loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| Green Car Loan | 7.49% | 7.49% |
| Fixed Rate Car Loan | 8.19% | 8.36% |
| Green Personal Loan | 8.49% | 8.49% |
| Unsecured Personal Loan | 11.49% | 11.67% |
| Unsecured Personal Loan | 11.49% | 11.67% |
| Unsecured Personal Loan | 11.49% | 11.67% |
| Debt Consolidation Loan | 12.99% | 13.17% |
Business loans
| Product | Advertised rate |
|---|---|
| Commercial Loan Principal and Interest | 10.13% |
| Commercial Loan Interest Only | 10.27% |
Overdrafts
| Product | Advertised rate |
|---|---|
| Home Loan Overdraft | 9.25% |
| Business Secured Current Account | 10.21% |
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