Access
Account (S01) 
$
5,001 and over 
0.02% 
$1  $5,000

Nil% 
Interest
is calculated on the minimum monthly
balance and paid on 1 April. Interest
is paid on that part of balance
within the tiered rate. 

On
Call Savings (S02) 
$50,001
and over 
1.25%
p.a. 
$30,001  $50,000 
0.25%
p.a. 
$5,001  $30,000 
0.05%
p.a. 
$1  $ 5,000 
0.02%
p.a. 
Interest is tiered and the interest
is calculated daily on that part
of the balance within the tiered
rate. 

Deeming
Account (S55) 
$49,201
and over 
3.25% p.a. 
$1
 $49,200 
1.75% p.a. 
You must be over the age of 65
and in receipt of a pension or
social security income. The interest
rate is tiered and paid on that
part of the balance within the
tiered rate. The interest rate
reflects the Government Deeming
Rate, is calculated on the daily
balance and credited twice yearly
on 1 January and 1 July. Your
savings are available at call. 

Christmas
Club Account (S12) 
$1
and over 
1.25%
p.a. 
Your savings plus interest is
paid first week in December
and interest is calculated on
the minimum monthly balance.


Achiever
Savings Account (I88) 
$200
and over 
2.05%
p.a. 
Additional deposits of $50 (min)
are accepted at the same interest
rate and will mature on the same
date as original deposit. Interest
is calculated daily and paid on
maturity. Terms are from 624months. 


Fixed
Term & Notice Withdrawal Accounts

Income
Accounts 
30
Day Notice (S30) 
$40,001
and over 
2.30%
p.a. 
$10,001
 $40,000 
1.05%
p.a. 
$5,001
 $10,000 
1.05%
p.a. 
Monthly
Income Fixed Term Accounts 

$5,000

$9,999 
$10,000

$24,999 
$25,000

$49,999 
$50,000+ 
12 Month
Term (I30) 
1.05%p.a. 
1.55%p.a. 
1.80%p.a. 
2.30%p.a. 
24 Month
Term (I32) 
1.05%p.a. 
1.55%p.a. 
1.80%p.a. 
2.30%p.a. 

Interest is calculated daily and
paid by cheque or compounded monthly.
Minimum balance of $5,000
must be maintained. 

Term
Deposits 

$500

$4,999 
$5,000

$9,999 
$10,000

$24,999 
$25,000

$49,999 
$50,000  $400,000 
3 Month
Term (I03) 
1.25%p.a. 
1.30%p.a. 
1.55%p.a. 
1.80%p.a. 
2.05%p.a. 
6 Month
Term (I06) 
1.25%p.a. 
1.30%p.a. 
1.55%p.a. 
2.05%p.a. 
2.30%p.a. 
9 Month
Term (I09) 
1.25%p.a. 
1.30%p.a. 
1.55%p.a. 
1.80%p.a. 
2.05%p.a. 
12 Month
Term (I12) 
1.25%p.a. 
1.55%p.a. 
1.55%p.a. 
2.05%p.a. 
2.30%p.a. 
24 Month
Term (I24) 
1.25%p.a. 
1.55%p.a. 
1.55%p.a. 
2.30%p.a. 
2.55%p.a. 

Interest is calculated daily
and paid on maturity. 

Rainy
Day Account (I90) 
$10,000
minimum account balance 
1.80%
p.a. 
Rate fixed for three months
and reviewed 3 monthly. Funds
are available on 7 days written
notice. Interest is calculated
daily and paid quarterly or upon
full redemption. 

Cash
Management Account (S07) 
$5,000
< $19,999 
0.55%
p.a. 
$20,000
< $49,999 
0.80%
p.a. 
$50,000
< $99,999 
1.05%
p.a. 
$100,000
< $249,999 
1.30%
p.a. 
$250,000
& Over 
1.55%
p.a. 
Interest rate fixed weekly each
Wednesday. Deposits fixed for
7 days. Thereafter funds will
be made available on 24 hours
written notice. Interest calculated
daily and paid quarterly. A minimum
account balance of $5,000 must
be maintained. 


Mortgage Loans 


*comparison
rate 
Home/Equity
Loan 
5.05%
p.a. 
*5.10% p.a. 
Investment
Loan 
5.05%
p.a. 
*5.10% p.a. 
Reverse
Mortgage Loan 
6.49%
p.a. 
*6.65% p.a. 
Accommodation Deposit Loan 
6.29%
p.a. 
*6.45% p.a. 
* Comparison rate calculated on
$150,000 loan over 25 years^{+}




Car
Loans 
For a car up to 4 years old and borrowing $10,000 or more. 
7.49%
p.a. 
*7.69%
p.a. 
For a car 5  7 years old and borrowing $10,000 or more. 
8.49%
p.a. 
*8.69%
p.a. 
* Care should be taken in using this comparison rate. The comparison rate is calculated on $30,000 loan over 5 years. All loans secured by the motor vehicle. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 



Personal
Loans 
Unsecured $10,001  $30,000
The comparison rate based on $30,000 over 5yrs. 
10.90%
p.a. 
*11.08%
p.a. 
Unsecured $5,001  $10,000
The comparison rate based on $10,000 over 3yrs. 
11.90%
p.a. 
*12.78%
p.a.

Unsecured $1,000  $5,000
The comparison rate based on $5,000 over 2yrs. 
14.90%
p.a. 
*17.50%
p.a. 
* Care should be taken in using this comparison rate. The comparison rate is accurate only for the example given as other factors including government fees and charges, redraw fees or fees for early repayment, may influence the final cost of the loan. 



Line
of Credit 
Line
of Credit 
14.90%
p.a 
A
continuing credit arrangement
up to $5,000 

•
There is no qualifying period
for loans and most loans are approved
within 24 hours. •
No Penalty for additional loan
repayments • No Penalty
for early loan payout •
Interest Rates are variable
An establishment fee applies to
all approved loans

Personal
Loans 
$125 
Mortgage
Loans set up cost* 
$695 
Reverse Mortgage Loans set up cost* 
$1050 
Accommodation Deposit set up cost* 
$1050 
*Excluding Government Fees and Charges 

Terms
& Conditions are available
on application. Fees & charges
apply to all loans Comparison
rate schedules are available for
your perusal and collection at
our branch.
^{+} Credit is available for these amounts for the Accommodation Deposit Loans but not for this term. The law requires this specific term for the calculations of comparison rates. 

This is a Supplementary Product Disclosure Statement (SPDS) containing important information regarding MyLife MyFinance's Current Interest Rates. MyLife MyFinance recommends that you read this SPDS in conjunction with the Product Disclosure Statement it supplements; (PDS  for financial products, general information relevant to all products and noncash payment products and services and their related Terms and Conditions), before deciding to acquire the service. This SPDS has been prepared to assist you with the understanding of the significant features of the service to enable you to make informed choices about the service before you acquire it. 
These rates are
per annum and current at the time of going
to print and subject to change and conditions
as outlined in our Terms & Conditions
booklet which can be obtained at Head Office
or by ringing 9629 4484.
Interest rates as at
01 September 2016
All loan rates are variable unless noted.
* Care should be taken in using this comparison rate. The comparison rate is accurate only for the example given as other factors including government fees and charges, redraw fees or fees for early repayment, may influence the final cost of the loan. 