Rural Bank - One - Online Application

Interest Rates

The following information relates to interest rates for Rural Bank ONE products. For the complete list of all product interest rates visit the Rural Bank corporate website.

Effective 9 May 2012 - Interest rates are subject to change without notice.

• Saver Accounts
• Term Deposits
• Farm Management Deposits
• Interest Rate Changes

Saver Accounts

Rural Bank ONE Saver Account	Interest Rate
	$0 - $2,000,000
At call	4.50%

Interest rates quoted on a per annum basis. Interest rate current as at 9 May 2012 and subject to change without notice. Rural Bank ONE Saver Account rates are variable, calculated daily and credited monthly on the first day of the following month. For applications and further details visit the product information page.

Rural Bank ONE Business Saver Account (including DIY Super)	Interest Rate
	$0 - $4,999	$5,000 - $2,000,000
At call	0.00%	4.10%

Interest rates quoted on a per annum basis. Interest rate current as at 9 May 2012 and subject to change without notice. Rural Bank ONE Business Saver Account rates are variable, calculated daily and credited monthly on the first day of the following month. For applications and further details visit the business or DIY super product information page

[TOP]

Term Deposits

Rural Bank ONE Term Deposit Account Interest Rates
	$500 - $1,000,000*
Personal Term Deposit
3 month Rural Bank ONE Personal Term Deposit	5.40%
6 month Rural Bank ONE Personal Term Deposit	5.30%
12 month Rural Bank ONE Personal Term Deposit	5.20%
Business Term Deposit
3 month Rural Bank ONE Business Term Deposit	5.40%
6 month Rural Bank ONE Business Term Deposit	5.30%
12 month Rural Bank ONE Business Term Deposit	5.20%
DIY Super Term Deposit
3 month Rural Bank ONE DIY Super Term Deposit	5.40%
6 month Rural Bank ONE DIY Super Term Deposit	5.30%
12 month Rural Bank ONE DIY Super Term Deposit	5.20%

Interest rates quoted on a per annum basis. Interest rate current as at 9 May 2012 and subject to change without notice. Interest on Rural Bank ONE Term Deposits is calculated daily and paid at maturity. *Minimum deposit $500, for interest rates on deposits over $1 million call us on 1300 660 115 or email us. For applications and further details visit the business, personal or DIY super product information page.

[TOP]

Farm Management Deposits

Short Term Fixed Rural Bank ONE Farm Management Deposit
	$5,000 - $49,999		$50,000 - $400,000
	3 month	6 month	3 month	6 month
Interest at maturity	5.30%	5.40%	5.30%	5.40%

Interest rates quoted on a per annum basis. Interest rate current as at 9 May 2012 and subject to change without notice. Interest is calculated daily and paid or credited at maturity. Minimum deposit $5,000. Maximum aggregate balance is $400,000 for all FMDs. No additional deposits will be accepted on the Fixed Rate FMD product. Other eligibility criteria apply. For applications and further details visit the product information page.

Fixed Rate Rural Bank ONE Farm Management Deposit
	$5,000 - $49,999		$50,000 - $400,000
	12 month	24 month	12 month	24 month
Interest paid annually	5.35%	5.50%	5.35%	5.50%
Interest paid quarterly	5.20%	5.35%	5.20%	5.35%
Interest paid monthly	5.15%	5.30%	5.15%	5.30%

Interest rates quoted on a per annum basis. Interest rate current as at 9 May 2012 and subject to change without notice. Interest is calculated daily and paid or credited daily for variable rate, 3 or 6 month fixed rate and monthly, quarterly or annually for 12 and 24 month fixed rate accounts. Minimum deposit amount applies. Maximum aggregate balance is $400,000 for all FMDs. No additional deposits will be accepted on the Fixed Rate FMD product. Other eligibility criteria apply. For applications and further details visit the product information page.

Variable Rate Rural Bank ONE Farm Management Deposit
	$1,000 - $49,999	$50,000 - $400,000
Interest paid annually	3.00%	3.50%

Interest rates quoted on a per annum basis. Interest rate current as at 9 May 2012 and subject to change without notice. Interest is calculated daily and paid and credited as specified. Minimum deposit $1,000. Maximum aggregate balance is $400,000 for all FMDs. Other eligibility criteria apply. Other eligibility criteria apply. For applications and further details visit the product information page.

[TOP]

Interest Rate Changes

Rural Bank has decreased Rural Bank ONE Saver (Personal, Business and DIY Super) and Rural Bank ONE Variable Rate Farm Management Deposit and Rural Bank ONE Term Deposit rates effective Wednesday, 9 May 2012

Rural Bank is changing Rural Bank ONE Term Deposit rates effective 9 May 2012. The new rates are:
3 month Rural Bank ONE Personal Term Deposit	5.40% p.a.
3 month Rural Bank ONE Business Term Deposit	5.40% p.a.
3 month Rural Bank ONE DIY Super Term Deposit	5.40% p.a.
6 month Rural Bank ONE Personal Term Deposit	5.30% p.a.
6 month Rural Bank ONE Business Term Deposit	5.30% p.a.
6 month Rural Bank ONE DIY Super Term Deposit	5.30% p.a.
12 month Rural Bank ONE Personal Term Deposit	5.20% p.a.
12 month Rural Bank ONE Business Term Deposit	5.20% p.a.
12 month Rural Bank ONE DIY Super Term Deposit	5.20% p.a.

If you have any questions, please contact our Customer Service Centre on 1300 660 115 or email us.

[TOP]