Provider
LiveDefence Bank
As of 18 September 2026, Defence Bank has 35 products across four of the 8 pillars BankMate tracks: 3 savings accounts, 17 home loans, 11 term deposits and 4 personal loans. Its highest-placed product is Term Deposit 10 month at 5.35% p.a. for 10 months, 2nd of 500 9-month deposits. Its rates last moved on 26 August 2026.
- Pillars
- 4 of 8
- No credit cards, superannuation, share trading…
- Products tracked
- 35
- 3 savings accounts · 17 home loans · 11 term deposits
- Highest placed
- #2
- Term Deposit 10 month · of 500 9-month deposits
- Last change
- 26 Aug 2026
- 23 changes on record
What changed
23 changes across 2 pillars since 1 Mar 2026- Term depositsTerm Deposit 10 month · 10-month 5.55 → 5.35−0.20
- Term depositsTerm Deposit 7 months · 7-month 4.50 → 4.75+0.25
- Term depositsTerm Deposit 6 months · 6-month 4.50 → 4.75+0.25
- Term depositsTerm Deposit 12 months · 12-month 4.95 → 5.20+0.25
- Term depositsTerm Deposit 11 month · 11-month 4.50 → 4.75+0.25
- Term depositsTerm Deposit 3 months · 3-month 4.10 → 4.35+0.25
Show 17 earlier changes
- Term depositsTerm Deposit 8 month · 8-month 4.50 → 4.75+0.25
- Term depositsTerm Deposit 24 months · 24-month 5.55 → 5.25−0.30
- Term depositsTerm Deposit 9 months · 9-month 4.50 → 4.75+0.25
- Term depositsTerm Deposit 5 month · 5-month 4.50 → 4.75+0.25
- Term depositsTerm Deposit 7 months · 7-month 4.25 → 4.5014 days after the RBA rise to 4.35%+0.25
- Term depositsTerm Deposit 4 month · 4-month 4.85 → 5.1014 days after the RBA rise to 4.35%+0.25
- Term depositsTerm Deposit 12 months · 12-month 4.70 → 4.9514 days after the RBA rise to 4.35%+0.25
- Term depositsTerm Deposit 6 months · 6-month 4.25 → 4.5014 days after the RBA rise to 4.35%+0.25
- Term depositsTerm Deposit 10 month · 10-month 5.00 → 5.5514 days after the RBA rise to 4.35%+0.55
- Term depositsTerm Deposit 11 month · 11-month 4.25 → 4.5014 days after the RBA rise to 4.35%+0.25
- Term depositsTerm Deposit 3 months · 3-month 3.85 → 4.1014 days after the RBA rise to 4.35%+0.25
- Term depositsTerm Deposit 9 months · 9-month 4.25 → 4.5014 days after the RBA rise to 4.35%+0.25
- Term depositsTerm Deposit 24 months · 24-month 5.00 → 5.5514 days after the RBA rise to 4.35%+0.55
- Term depositsTerm Deposit 8 month · 8-month 4.25 → 4.5014 days after the RBA rise to 4.35%+0.25
- Term depositsTerm Deposit 5 month · 5-month 4.25 → 4.5014 days after the RBA rise to 4.35%+0.25
- Savings accounts3 accounts up 0.2514 days after the RBA rise to 4.35%+0.25
- Max E Saver 4.95 → 5.20
- Kids Club Savings 4.75 → 5.00
- Teen Saver 4.75 → 5.00
- Savings accountsMax E Saver 4.65 → 4.95Bonus rate 4.55% → 4.85% · 15 days after the RBA rise to 4.10%+0.30
Savings accounts · 3
Total rate, conditions met · ranked among 94 accountsNo withdrawals · bonus up to $1m
5.10%#33 of 940.10% base + 5.00% bonus
- Withdrawals
- Not allowed
- Balance range
- $0 - $1,000,000
Bonus up to $250k
5.00%#50 of 94No bonus component
- Balance range
- $0 - $250,000
- Age
- Up to 11 years
Bonus up to $250k
5.00%#50 of 94
Full savings accounts record for Defence Bank →
Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for Defence Bank · Compare all savings accounts
Home loans · 17
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 13
Variable · P&I · Owner-occupier · redraw · no ongoing fee
6.19%#18 of 107comparison · 6.19% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · redraw · no ongoing fee
6.24%#27 of 107comparison · 6.24% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · redraw · no ongoing fee
6.34%#8 of 81comparison · 6.34% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
6.54%#63 of 107comparison · 6.54% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
6.59%#68 of 107comparison · 6.59% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Show 8 more
Variable · P&I · Investor · offset account · redraw · no ongoing fee
6.69%#43 of 81comparison · 6.69% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw
6.78%#78 of 107comparison · 6.69% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account
6.79%#80 of 107comparison · 6.69% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw
6.84%#83 of 107comparison · 6.74% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier · offset account
6.84%#28 of 68comparison · 6.74% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Variable · P&I · Investor · offset account · redraw
6.93%#54 of 81comparison · 6.84% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · offset account · redraw
6.93%#44 of 80comparison · 6.84% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · offset account
7.02%#50 of 80comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- Yes
- Redraw
- No
- Extra repayments
- Yes
Fixed · 4
5yr Fixed · P&I · Owner-occupier · 5 variants
1y 6.84%2y 6.82%3y 6.81%4y 6.79%5y 6.77%6.77%#24 of 49comparison · 6.55% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
5yr Fixed · P&I · Owner-occupier · 5 variants
1y 6.88%2y 6.86%3y 6.84%4y 6.82%5y 6.80%6.80%#26 of 49comparison · 6.55% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
5yr Fixed · P&I · Investor · 5 variants
6.94%#20 of 42comparison · 6.75% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
5yr Fixed · Interest Only · Investor · 5 variants
6.98%#22 of 42comparison · 6.85% advertised
- Application fee
- None
- Ongoing fee
- $8 a month
- Discharge fee
- None
- Package annual fee
- $96 a year
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Full home loans record for Defence Bank →
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Term deposits · 11
Best rate per product, by term · ranked within each term- 5.35%#2 of 500
10 months
- 9 months
- 5.35% · #2 of 500
- Minimum deposit
- $0
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 5.25%#6 of 394
2 years
- 2 years
- 5.25% · #6 of 394
- Minimum deposit
- $0
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 5.20%#97 of 590
1 year
- 1 year
- 5.20% · #97 of 590
- Minimum deposit
- $0
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 5.10%#2 of 369
4 months
- 3 months
- 5.10% · #2 of 369
- Minimum deposit
- $0
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 4.75%#291 of 590
11 months
- 1 year
- 4.75% · #291 of 590
- Minimum deposit
- $0
- Interest paid
- Annually
- Early withdrawal
- Not allowed
Show 6 more
- 4.75%#179 of 547
5 months
- 6 months
- 4.75% · #179 of 547
- Minimum deposit
- $0
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 4.75%#179 of 547
6 months
- 6 months
- 4.75% · #179 of 547
- Minimum deposit
- $0
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 4.75%#179 of 547
7 months
- 6 months
- 4.75% · #179 of 547
- Minimum deposit
- $0
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 4.75%#138 of 500
8 months
- 9 months
- 4.75% · #138 of 500
- Minimum deposit
- $0
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 4.75%#138 of 500
9 months
- 9 months
- 4.75% · #138 of 500
- Minimum deposit
- $0
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 4.35%#164 of 369
3 months
- 3 months
- 4.35% · #164 of 369
- Minimum deposit
- $0
- Interest paid
- Quarterly
- Early withdrawal
- Not allowed
Full term deposits record for Defence Bank →
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Personal loans · 4
Comparison rate · ranked within unsecured or secured loansUnsecured · variable · car loan · $10/mo
7.17%#40 of 212comparison · from 6.39% advertised
- Advertised rate
- from 6.39% p.a.
- Comparison rate
- 7.17% p.a.
- Rate type
- Variable
- Application fee
- None
- Monthly fee
- $10
- Annual fee
- None
- Early repayment fee
- None
- Extra repayments
- Yes
- Early payout
- Yes
Unsecured · variable · car loan · $10/mo
7.17%#40 of 212comparison · from 6.39% advertised
- Advertised rate
- from 6.39% p.a.
- Comparison rate
- 7.17% p.a.
- Rate type
- Variable
- Application fee
- None
- Monthly fee
- $10
- Annual fee
- None
- Early repayment fee
- None
- Extra repayments
- Yes
- Early payout
- Yes
Unsecured · variable · any purpose · $10/mo
10.06%#129 of 212comparison · from 9.09% advertised
- Advertised rate
- from 9.09% p.a.
- Comparison rate
- 10.06% p.a.
- Rate type
- Variable
- Application fee
- None
- Monthly fee
- $10
- Annual fee
- None
- Early repayment fee
- None
- Extra repayments
- Yes
- Early payout
- Yes
Unsecured · variable · any purpose · $10/mo
14.93%#196 of 212comparison · from 13.99% advertised
- Advertised rate
- from 13.99% p.a.
- Comparison rate
- 14.93% p.a.
- Rate type
- Variable
- Application fee
- None
- Monthly fee
- $10
- Annual fee
- None
- Early repayment fee
- None
- Extra repayments
- Yes
- Early payout
- Yes
Full personal loans record for Defence Bank →
Lenders publish the lowest rate in their range; the rate offered depends on the applicant. Compare all personal loans · Personal loan report
Defence Bank has no credit cards, superannuation, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.
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