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What are you looking for?

Personal
- 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.
  
  Package Home Loan
  A flexible home loan with a great low interest rate, plus a range of best value inclusions.
  
  Budget Home Loan
  Our Budget Home Loan features a low ongoing variable interest rate.
  
  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.
  
  Standard Variable Home Loan
  Featuring a 100% Offset Account to help reduce loan interest over time.
  
  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.
  
  Investment Express Credit
  Access the equity in your investment property.
- Credit Card
  Mutual Visa Credit Card
  A convenient credit card that makes shopping easy.
- Personal Loans
  All Personal Loans
  Secured and Unsecured Personal Loans for all kinds of purposes.
- Savings and Investments
  All Savings and Investment 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 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.
- Everyday Banking
  All Everyday Banking 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
  
  Student Saver
  The Mutual Bank’s Student Saver account makes everyday banking easy.
  
  Retirement Account
  Flexible at call account, with a competitive interest rate.
  
  Loan Saver
  Flexibility of an at call account while reducing the interest on your home loan.
  
  100% Offset
  Pay less interest over time, reducing time it takes to pay off your loan with a 100% Offset Account.
- Insurance
  Insurance
  Protect yourself against the unexpected by choosing from a range of insurance products.
- Financial Planning
  Financial Planning
  Improve your lifestyle with The Mutual Bank’s financial planning services.
- Banking Services
  The Mutual App
  Keep track of your finances from anywhere, anytime with easy access for your banking needs.
  
  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.
Business
- Business Loans
  All Business Loans
  Get ahead with a business loan that suits you.
- Business Banking
  All Business Banking
  Smart ways to do your business banking.
  
  Business Internet Saver
  Earn interest on your savings so your money continues to grow
  
  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.
  
  Community Saver
  Designed exclusively for not-for-profit organisations to facilitate fundraising and manage day to day transactions or for savings.
  
  Trust Accounts
  The Mutual Bank's Trust Account’s allow individuals or corporate institutions to be appointed to manage the assets in a trust.
  
  SMSF Solutions
  Manage your Self Managed Super Funds cash with The Mutual Bank’s range of SMSF solutions.
  
  Farm Management Deposit
  Investments for primary producers.
  
  Business Banking Solutions
  The Mutual Bank offers a wide range of transaction solutions for business owners.
About Us
- News
  News
  Keep up-to-date with latest announcements
  
  Mutual News
  View the latest Mutual News
- About The Mutual Bank
  History
  The Mutual Bank was established with the mission to ensure that financial investment stayed within the local area.
  
  Financial Claims Scheme
  Financial Claims Scheme (FCS) which enables account holders quick access to deposits that are protected under the FCS.
  
  Customer Owned Banking Code Of Practice
  We are focused on providing real value to our members through competitive interest rates, personalised service and a fee structure that is based on mutual support.
- 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.
  
  Bank@School
  Our Bank@School financial literacy program encourages students to learn about the importance of saving.
  
  Volunteering
  Our team proudly volunteers in our community.
- Corporate Information
  Corporate Governance
  Commitment to excellence in governance standards.
  
  Financial Reports
  View the highlights of The Mutual Bank's most recent annual report.
  
  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.
- Our Members
  Privacy
  View our Privacy Policy here.
  
  Important Information
  View our Product Disclosure Statement Part 1 & Part 2, Financial Services Guide, Credit Guide & Credit Card Conditions of Use here.
  
  Visa Dispute
  Steps to resolve a Visa Dispute.
  
  Financial Hardship
  We have been committed to providing assistance to members who are experiencing financial hardship since we commenced operations in 1888.
  
  Dispute Resolution
  Steps to resolve complaints and disputes.
  
  Complaints
  We are committed to the highest standards of service to our members.
  
  Website Terms of Use
- 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
  
  Security Token
  To ensure your Internet Banking experience is as secure as possible, The Mutual Bank can provide members with a free Mutual Security Token.
  
  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.
- Careers
  Recruitment process
  If your values align with The Mutual Bank and you would like to apply for a position we would like to hear from you.
  
  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.
- The Mutual Branches
Tools
- 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
- Key Fact Sheets
  Key Fact Sheets

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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. Interest rates and credit fees and charges may change without notice. Please review our Product Disclosure Statement, Financial Services Guide and Credit Guide before acquiring the product.

Maitland Mutual Limited trading as The Mutual Bank ABN 94 087 651 983 AFSL/Australian Credit Licence 238139