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What are you looking for?

Everyday Banking
- Transactional Accounts
  All Transaction Accounts
  Enjoy no transaction fees on all of The Mutual Bank’s Everyday Banking accounts.
  
  Express Savings
  Access your money when and where you need it.
  
  Mighty Mutual
  Educate children on the importance of saving with a Mighty Mutual youth account
  
  Retirement
  Flexible at call account, with a competitive interest rate.
  
  100% Loan Offset
  Pay less interest over time, reducing time it takes to pay off your loan with a 100% Offset Account.
  
  Loan Saver
  Flexibility of an at call account while reducing the interest on your home loan.
- Savings Accounts
  All Savings Accounts
  Achieve your savings goal faster with The Mutual Bank.
  
  Internet Saver
  Grow your savings with a competitive interest rate and no fees.
  
  Bonus Saver
  Watch your savings grow with our fee-free Bonus Saver Account.
  
  Cash Management
  Achieve your savings goal with a Cash Management Account.
  
  Christmas Club
  Alleviate your festive season financial worries with a Christmas Club Account.
- Term Deposits
  Term Deposit
  A simple and secure way to grow your savings.
  
  Sovereign Term Deposit
  Secure your savings with a guaranteed rate, for a term that suits you.
  
  SMSF
  Manage your Self Managed Super Funds cash with The Mutual Bank’s range of SMSF solutions.
- Credit Card
- Personal Loans
  All Personal Loans
  Secured and Unsecured Personal Loans for all kinds of purposes.
- Insurance
- Financial Planning
Home Loans
- Owner Occupied Home Loans
  All Home Loans
  If you are looking to buy your first home, upgrade or refinance, we have the home loan that is right for you.
  
  Owner Occupied Package Home Loan
  A flexible home loan with a great low interest rate, plus a range of best value inclusions.
  
  Owner Occupied Standard Variable Home Loan
  Featuring a 100% Offset Account to help reduce loan interest over time.
  
  Owner Occupied Budget Home Loan
  Our Budget Home Loan features a low ongoing variable interest rate.
  
  Owner Occupied Mutual Home Loan
  A quality Home Loan with a low ongoing variable interest rate and flexible features.
  
  Owner Occupied Premium Home Loan
  The Mutual Bank’s Premium Home Loan features best value inclusions and discounts.
  
  First Home Buyer Package Home Loan
  We are here to help - with our First Home Buyer Package Home Loan and the addition of government support Schemes.
  
  Express Credit
  Combine your Home Loan and Everyday Accounts into one.
- Investment Home Loans
  All Investment Home Loans
  If you are looking to buy your first investment property or refinance an existing investment, Talk to us… about an Investment Home Loan
  
  Investment Package Home Loan
  A great low rate with best value inclusions.
  
  Investment Budget Home Loan
  Features a low ongoing variable interest rate.
  
  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.
Business Banking
- Transaction Accounts
  All Business Banking
  Smart ways to do your business banking.
  
  Business Cheque Account
  Best value business transaction account with no annual fee, no account-keeping fees and no transaction fees.
  
  Business Maximiser
  Earn interest with flexible and convenient access to funds.
  
  Trust Accounts
  Our Real Estate and Solicitor Trust Accounts allow individuals or corporate institutions to be appointed to manage assets in a trust.
- Savings Accounts
  Internet Saver Business
  Earn interest on your savings so your money continues to grow
  
  Cash Management
  Achieve your savings goal with a Cash Management Account.
  
  Farm Management Deposit
  Investments for primary producers.
  
  Term Deposit
  A simple and secure way to grow your savings.
  
  Sovereign Term Deposit
  Secure your savings with a guaranteed rate, for a term that suits you.
- Business Banking Solutions
- SMSF Solutions
Business Loans
- All Business Loans
Tools & Services
- Banking Solutions
  Accessing Your Money
  Discover all the ways you can access your money.
  
  The 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.
  
  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.
  
  International Services
  Send or receive funds from overseas with The Mutual Bank’s international banking services.
  
  Apple Pay
  Welcome to easy, fast and secure payments with Apple Pay.
  
  Google Pay
  Easily add your Mutual Visa Card to Google Pay.
  
  PayID
  Set up your PayID for easy payments fast
- Interest Rates
  Home Loan Interest Rates
  
  Investment Home Loan Interest Rates
  
  Mutual Visa Credit Card & Personal Loan Interest Rates
  
  Savings Account Interest Rates
  
  Everyday Banking Interest Rates
  
  Term Deposit Interest Rates
  
  Business Loan Interest Rates
  
  Business Banking Interest Rates
- Lending Fees and Charges
  All Lending Fees and Charges
  
  Commercial
  
  Consumer
  
  Credit Card
- Calculators
  All Calculators
  The Mutual Bank offers a range of handy calculators for you to better manage your finances.
  
  Home Loan Repayment
  Find out how much your monthly home loan repayments could be and the estimated total interest that may become payable on your home loan.
  
  Introductory Loan
  The Introductory Loan Calculator enables you to calculate your repayments at a standard interest rate and at an initial ‘introductory’ or discounted interest rate.
  
  Borrowing Power
  The Borrowing Power Calculator enables you to calculate how much you can expect to borrow based on your current salary and existing financial commitments.
  
  Extra Repayments
  See the effect of making regular extra payments on your loan.
  
  Loan Comparison
  Compare two loans and work out which one is best for you.
  
  Lump Sum Repayment
  See the effect of making a one off lump sum payment to your loan.
  
  Stamp Duty
  Calculate the Stamp Duty incurred and First Home Buyers bonuses in any state or territory within Australia.
  
  Split Loan
  Calculate the effect of splitting your loan into fixed and variable components.
  
  Personal Loan
  Calculate the repayments on a personal loan.
  
  Car Loan
  Use this calculator to see if you can afford to buy that car.
  
  Savings Plan
  Determine how a savings plan will boost your account balance over a selected period of time.
  
  Budget Planner
  Calculate your surplus income by reviewing your income and expenses.
  
  Term Deposit
  See the growing potential of your savings.
  
  Income Tax
  Calculate the amount of tax on your annual income.
- Enquire
  All Forms
  
  Home Loan Enquiry Form
  
  Business Banking Enquiry Form
  
  Personal Loan Enquiry Form
  
  Mutual Visa Credit Enquiry Form
  
  Personal Membership Application Form
  
  Financial Planning Enquiry Form
  
  General Enquiry Form
  
  Credit Card Limit Reduce or Close
  
  Personal Banking Enquiry Form
  
  Internet/Phone Banking Registration Form
- Key Fact Sheets
  Key Fact Sheets
About Us
- News
  Latest News
  Keep up-to-date with the latest information from The Mutual Bank.
  
  Mutual News
  View digital editions of the Mutual News member newsletter.
- Who We Are
  Our History
  The Mutual Bank was established with the mission to ensure that financial investment stayed within the local area.
  
  Board of Directors
  The Mutual Bank's Board is elected by, accountable to, and proudly represents our members.
  
  Member-Owned Banking
  As a mutual bank, we are 100% owned by our members. Bank local to support local.
  
  Our Values
  Our values of Integrity, Respect, and Care drive all that we do.
- Community
  Community
  We are proud to partner with the community we serve.
  
  Sponsorship
  We proudly support and sponsor various educational, sporting, cultural clubs and events.
  
  Volunteering
  Our team proudly volunteers in our community.
- Corporate
  Corporate Governance
  Commitment to excellence in governance standards.
  
  APS330 Prudential Disclosures
  View The Mutual Bank's Prudential Disclosures.
  
  Corporate Social Responsibility
  We have an obligation to our members and the wider community to operate in a socially responsible manner.
  
  Financial Reports
  View the highlights of The Mutual Bank's most recent annual report.
- Member Service
  Financial Hardship
  Financial hardship can happen to anyone. If it happens to you know that you are not alone, we’re here to help you.
  
  Deceased Estates
  Here when you need it most
  
  Accessibility and Communication Services
  The Mutual Bank is committed to making it easy for members to access our information, products, and services
  
  Compliments and Complaints
  We are committed to the highest standards of service to our members.
  
  Open Banking and Consumer Data Right
  What is it? And what does it mean for you?
  
  Visa Dispute
  Steps to resolve a Visa Dispute.
  
  Important Documents
  View our Product Disclosure Statement Part 1 & Part 2, Financial Services Guide, Credit Guide & Credit Card Conditions of Use here.
  
  Privacy Policy
  View our Privacy Policy here.
  
  Target Market Determinations
  Written TMD documents for financial products
  
  Complaints Policy
- Your Security
  Lost or Stolen Cards
  If you’ve lost your card or it was stolen, you can immediately block it and request a replacement.
  
  Fraud Prevention
  How to protect yourself from identity theft.
  
  Internet Banking Fraud
  Tips that will help protect you against Internet Banking fraud
  
  Card Fraud
  Tips to protect yourself from card fraud.
  
  Verified by VISA
  Verified by Visa is a free service that protects you when you use your Mutual Visa Card to purchase online from participating stores
  
  Financial Claims Scheme
  The Financial Claims Scheme provides protection and quick access to deposits protected under the scheme.
  
  Security Tokens
  Security Tokens are free for members and ensure your Internet Banking experience is as secure as possible.
  
  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.
  
  External Transfer Daily Limit
  How to increase your Internet Banking external transfer daily limit
  
  Secure Messages
  Securely message us within internet banking.
- 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.

Personal Membership Application

General Enquiry Form

Home Loan Enquiry Form

Personal Banking Enquiry Form

Business Banking Enquiry Form

Personal Loan Enquiry Form

Mutual Visa Credit Enquiry Form

Financial Planning Enquiry Form

Redraw Application Form

Internet/Phone Banking Registration Form

Credit Card Limit Reduce/Card Close Request

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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

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