QBANK

Formerly known as Queensland Police Credit Union, QBank was first established in 1964 to service the economic and social needs of officers in the police force. In the years that followed, membership was open to other government sectors which included fire-fighters, ambulance officers, SES personnel and public sector staff. QBank now aims to address the needs of its members by offering financial advice, competitive loans, savings accounts and various other services and products.

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QBANK home loans

TMD

Advertised Rate

2.83

% p.a

Variable

Comparison Rate*

3.17

% p.a

Lower than average interest rate
100% full offset account
Parents can sign as guarantor
Extra repayments and redraw facility

Real Time Rating™

Advertised Rate

2.63

% p.a

Variable

Comparison Rate*

2.70

% p.a

Lower than average interest rate
No ongoing fees
Parents can sign as guarantor
Extra repayments and redraw facility

Real Time Rating™

Advertised Rate

2.49

% p.a

Variable

Comparison Rate*

2.83

% p.a

Lower than average interest rate
100% full offset account
Parents can sign as guarantor
Extra repayments and redraw facility

Real Time Rating™

Advertised Rate

3.14

% p.a

Variable

Comparison Rate*

3.42

% p.a

100% full offset account
Parents can sign as guarantor
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

QBANK personal loans

TMD

Advertised Rate

10.49

% p.a

Variable

Comparison Rate*

11.11

% p.a

Variable up to 11.23%

Lower than average application fees
No early exit penalty
Unlimited extra repayments
Flexible repayment options

Real Time Rating™

Advertised Rate

12.49

% p.a

Variable

Comparison Rate*

13.11

% p.a

Variable up to 13.23%

Lower than average application fees
No early exit penalty
Unlimited extra repayments
Flexible repayment options

Real Time Rating™

QBANK car loans

TMD

Advertised Rate

3.99

% p.a

Variable

Comparison Rate*

4.63

% p.a

Interest rates ranked in the best 20%
No early exit penalty
Unlimited extra repayments
Flexible repayment options

Real Time Rating™

Advertised Rate

5.99

% p.a

Variable

Comparison Rate*

6.62

% p.a

Lower than average rate
No early exit penalty
Unlimited extra repayments
Flexible repayment options

Real Time Rating™

QBANK credit cards

TMD

Purchase Rate

11.99

% p.a

Annual Fee

$0

Balance Transfer

0% balance transfer for 12 months

QBANK savings accounts

TMD

0.15

% p.a

0.15

% p.a

Maximum interest rate ranked in the best 20% (conditions may apply)
No ongoing fees
No minimum balance

Real Time Rating™

0.15

% p.a

0.15

% p.a

No ongoing fees
No minimum balance

Real Time Rating™

0.85%*

% p.a

0.05

% p.a

*Deposit at least $200 and make no withdrawals during the month

Maximum interest rate ranked in the best 20% (conditions may apply)
Ongoing bonus interest (conditions apply)
No ongoing fees
No minimum balance

Real Time Rating™

0.15

% p.a

0.15

% p.a

No ongoing fees
No minimum balance

Real Time Rating™

QBANK bank accounts

TMD

Account Keeping Fees

$0

Monthly

$0

Over 5,900 ATMs including Westpac Group and rediATM

Maximum Interest rate

0.00%

$0 account keeping fee
App banking available
Apple Pay, Google Pay available
Send and receive funds with New Payments Platform, eg. PayID

Real Time Rating™

Account Keeping Fees

$0

Monthly

$2

Over 5,900 ATMs including Westpac Group and rediATM

Visa

Maximum Interest rate

0.00%

$0 account keeping fee
Linked Visa debit card
App banking available
Apple Pay, Google Pay available

Real Time Rating™

Account Keeping Fees

$4*

Monthly

$0

Over 5,900 ATMs including Westpac Group and rediATM

Visa

Maximum Interest rate

0.00%

*Fees waived when deposit $1,500 Monthly

Linked Visa debit card
App banking available
Apple Pay, Google Pay available
Send and receive funds with New Payments Platform, eg. PayID

Real Time Rating™

QBANK term deposits

TMD

0.50

% p.a

for 6 months

$10,000

Next rate increased

0.55

% p.a

for 9 months

0.75

% p.a

for 24 months

12 month interest rate (for $50k deposit) ranked in the best 20%
Automatic maturity rollover

Real Time Rating™