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  • Internet Banking
  • Everyday Banking
    •   Transaction Accounts
      • Express Savings

        Access your money when and where you need it.

      • Retirement

        Flexible at call account with a competitive interest rate.

      • Mighty Mutual

        An at call youth savings account.

      • 100% Loan Offset

        A transaction account available with eligible variable rate home loans.

      • Loan Saver

        A transaction account available with eligible fixed rate home loans.

    •   Savings & Investment Accounts
      • Bonus Saver

        A savings account with bonus interest.

      • Internet Saver

        Earn interest on your savings.

      • Christmas Club

        A savings account with access limited to November, December and January.

      • Cash Management

        Manage your cash and achieve your savings goal.

      • Term Deposits

        Grow your wealth with a higher rate of interest.

    •   Payment Options
      • Eco Visa Debit Card

        Made of plants, not plastic, with features that are sustainable, accessible and inclusive.

      • Apple Pay

        Welcome to easy, fast and secure payments with Apple Pay.

      • Google Pay

        Easily add your Mutual Visa Card to Google Pay™.

      • PayID

        Transferring money made simple, fast and secure

    •   Other Services
      • International Services

        Send or receive funds from overseas with The Mutual Bank’s international banking services.

      • Travel

        Convenient access to your money while you travel.

      • Bank@Post

        Do your day to day banking on your Everyday Account Australia wide with Bank@Post.

      • Financial Planning

        Improve your lifestyle with The Mutual Bank’s financial planning services.

    •   Personal Loans
      • Mutual Visa Credit Card

        A convenient credit card to manage your personal cashflow.

    Our Retirement account is the smart option

    Up to 3.50% p.a.  

    For the portion of balances between $25,000 and $50,000.

  • Home Loans
    •   Owner Occupied Home Loans
      • Budget Home Loan

      • Package Home Loan

        A flexible home loan with a great low interest rate.

      • First Home Buyer Package Home Loan

        Take advantage of our First Home Buyer Package Home Loan and access to the Australian Government’s First Home Guarantee (FHBG).

      • Standard Variable Home Loan

        Featuring a 100% Offset Account to help reduce loan interest over time.

      • Mutual Home Loan

        A quality Home Loan with a low ongoing variable interest rate and flexible features.

      • Premium Home Loan

        The Mutual Bank’s Premium Home Loan features best value inclusions and discounts.

      • Express Credit

        Combine your Home Loan and Everyday Accounts into one.

    •   Investment Home Loans
      • Investment Budget Home Loan

        Features a low ongoing variable interest rate.

      • Investment Package Home Loan

        A great low rate with best value inclusions.

      • Investment Mutual Home Loan

        A quality investment home loan with low ongoing variable interest rate and flexible features.

      • Investment Premium Home Loan

        Featuring best value inclusions and discounts.

      • Investment Standard Variable Home Loan

        Featuring a 100% Offset Account to help reduce loan interest over time.

    •   Government Guarantees
      • First Home Guarantee

      • Family Home Guarantee

        Purchase a family home with a deposit as little as 2% with no Lenders Mortgage Insurance.

      • Regional First Home Buyer Guarantee

    Take control of your future

    Special Variable Rate 5.69 % p.a. Interest rate 5.69 % p.a. Comparison rate  

    Rate for new, owner-occupied, ≤80% LVR and P&I repayment loans only

  • Business Banking
    •   Transaction Accounts
      • Business Maximiser

        Earn interest with flexible and convenient access to funds.

      • Business Cheque Account

        Best value business transaction account with no annual fee.

      • Trust Accounts

        Manage the assets in your Real Estate or Solicitors Trust Account.

    •   Savings & Investment Accounts
      • Internet Saver Business

        Earn interest on your business savings so your money continues to grow.

      • Cash Management

      • Farm Management Deposit

        An investment account that helps primary producers deal more effectively with uneven income flows.

    •   Business Loans
    •   Business Banking Solutions

    Your partner in business

    Local Business Bankers are here to help you achieve your goals

  • Insurance
    • Insurance
      • Home & Contents Insurance

      • Motor Insurance

      • Landlord’s Residential Property Insurance

      • Travel Insurance

    Insurance

    Help protect yourself against the unexpected by choosing from a range of insurance products.

  • Help & Support
    •   Here to help
      • Financial Hardship

        We are here to help our members experiencing financial stress and hardship.

      • Deceased Estates

        Here when you need it most

      • Visa Dispute

        Steps to resolve a Visa Dispute.

      • Compliments and Complaints

        We are committed to the highest standards of service to our members.

      • Accessibility and Communication Services

        The Mutual Bank is committed to making it easy for members to access our information, products, and services

      • Target Market Determinations

        Written TMD documents for financial products

      • Open Banking and Consumer Data Right

        What is it? And what does it mean for you?

    •   Security and Fraud
      • Lost or stolen cards

        If you’ve lost your card or it was stolen, you can immediately block it and request a replacement.

      • Scams and Fraud

        Stay alert to scams and fraud.

      • Online banking security

        Protect your personal and account information from fraud.

      • Identity security

        How to protect yourself from identity theft.

      • Card security

        Tips to protect yourself from card fraud.

      • Anti-Money Laundering

        Financial Institutions in Australia are governed by the Anti-Money Laundering and Counter-Terrorism Financing Act which came into force in 2006.

      • Financial Claims Scheme

        The Financial Claims Scheme provides protection and quick access to deposits protected under the scheme.

      • VISA Secure

        Verified by Visa is a free service that protects you when you use your Mutual Visa Card to purchase online from participating stores

    •   Tools & Services
      • Interest Rates

      • Lending Fees and Charges

      • Calculators

        The Mutual Bank offers a range of handy calculators for you to better manage your finances.

      • Key Fact Sheets

      • Accessing Your Money

        Discover all the ways you can access your money.

      • Mutual App

        Keep track of your finances from anywhere, anytime with easy access for your banking needs.

      • Mobile Payments

        Mobile payments are now available at The Mutual Bank.

      • Mutual Alerts

      • Enquiry Forms

      • Lending Forms

        View The Mutual Bank's Lending Forms.

    •   Important Documents
      • Complaints Policy

      • Privacy Policy

        View our Privacy Policy here.

      • Whistleblower Policy

    The Mutual App

    Keep track of your finances on your iOS or Android device.

  • About Us
    •   Our Story
      • Our Values

        Our values of Integrity, Respect, and Care drive all that we do.

      • Latest News

        Keep up-to-date with the latest information from The Mutual Bank.

      • Community Support

        We are proud to partner with the community we serve.

      • Sponsorship

        We provide support for a range of organisations that benefit our local community.

      • Member Newsletters

    •   Governance
      • Code of Practice

        Our longstanding commitment to serving the interests of our members and local community.

      • Board of Directors

        The Mutual Bank's Board is elected by, accountable to, and proudly represents our members.

      • Annual Report

        View the highlights of The Mutual Bank's most recent annual report.

      • Corporate Social Responsibility

        We have an obligation to our members and the wider community to operate in a socially responsible manner.

      • APS330 Prudential Disclosures

        View The Mutual Bank's Prudential Disclosures.

      • Executive Leadership Team

        Meet The Mutual Bank's Executive Leadership Team

    •   Careers
      • What we offer you

        Our people are the reason for The Mutual Banks growth and success.

      • Health & wellbeing

        The Mutual Bank promotes workplace safety and personal wellbeing.

      • Growth & learning

        The Mutual Bank is committed to training and development, to deliver best-practice service to our members.

      • Positions vacant

        If your values align with The Mutual Bank and you would like to apply for a position we would like to hear from you.

    Our history

    Founded in 1888 by a group of passionate Maitland locals, The Mutual Bank was established with the mission to ensure that financial investment stayed within the local area.

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An open letter to our Members and the Hunter Community

Friday, November 10, 2023

View Blog By Category

Annual Report - (1)
Apple Pay - (1)
Board of Directors - (1)
Community Support - (1)
First Home Buyers - (1)
Member Notice - (1)
Member Story - (1)
Mutual News - (1)
Personal Banking Managers - (1)
Scam Awareness - (1)
Scams - (1)
Service - (1)

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Home | Privacy Policy | Important Documents | CDR Policy | Contact Us | Lost or Stolen Cards | Website Terms of Use

Any advice or information on this site does not take into account your personal objectives, financial situation, or needs and you should consider whether it is appropriate for you. Please review our Product Disclosure Statement, Target Market Determinations, Terms and Conditions, Financial Services Guide, and Credit Guide before deciding to acquire a product. Interest rates, fees, and charges may change without notice.

Maitland Mutual Limited trading as The Mutual Bank ABN 94 087 651 983 AFSL/Australian credit licence 238139.

The Mutual Bank acknowledges the Traditional Custodians of Country across Australia and recognises their continuing connection to lands, waters and communities. We pay our respects to Aboriginal and Torres Strait Islander cultures and to Elders past and present.