Indicator Rates - Personal Deposits
Friday, 21 November 2008
Unless otherwise specified, this document forms part of the Product Disclosure Statement and/or Terms and Conditions for each of the accounts below along with A Guide to Fees and Charges - Personal Banking Fees (for products marked *, ~ or §) or Business Banking Fees - A guide to Fees and Charges (for products marked ^) and:
▪ Personal Transaction and Savings Products Terms and Conditions (for products marked *)
▪ Personal Transaction and Savings Products (Off Sale) Terms and Conditions (for products marked ~)
▪ NAB Investment Cash Manager Product Disclosure Statement (for product marked §)
▪ NAB Business Products Terms and Conditions (for products marked ^).
If you would like a copy of these documents, contact NAB as explained below.
| NAB Smart Reward Saver* |
NAB Smart Junior Saver* |
Base Interest
Bonus Interest |
0.01% pa
4.60% pa
|
Base Interest
Bonus Interest
|
1.25% pa
3.10% pa
|
| NAB Investment Cash Manager§ |
NAB iSaver*
NAB iSaver Introductory Rate**
(Accounts opened 30/9/08 to 20/11/08) |
5.00% pa
6.25% pa
|
$10,000 - $20,000
$20,000 - $50,000
$50,000 - $100,000
$100,000 - $250,000
$250,000 - $500,000
$500,000 plus |
3.75% pa
4.00% pa
4.25% pa
4.50% pa
4.75% pa
5.50% pa
|
NAB Cash Management
- Private Tailored Package~
(Not for sale)
NAB Margin Lending Facility |
3.75% pa
4.89% pa
|
| NAB Retirement Account* |
NAB Retirement Account~ (opened before 24 May 2008)
|
|
$1 - $1,999
$2,000 - $4,999
$5,000 - $39,399
$39,400 - $64,999
$65,000 plus
|
1.00% pa ‡
3.00% pa ‡
3.00% pa ‡
5.00% pa ‡
5.00% pa ‡
|
$1 - $1,999
$2,000 - $38,399
$38,400 plus
|
1.00% pa ‡‡
3.00% pa ‡‡
5.00% pa ‡‡
|
NAB Portfolio Facility¶ / NAB FlexiPlus Mortgage Facility* / NAB Home Equity Line of Credit*
(credit balances) |
|
$1- $20,000
$20,000 - $50,000
|
n/a ^^
1.10% pa
|
$50,000 - $100,000
$100,000 plus
|
1.15% pa
1.40% pa
|
| Transaction Accounts |
NAB eBanking Account*
NAB Classic Banking Account*
NAB Gold Banking Account* #
NAB Passbook Account*
NAB Smart Direct Account~ / Smart Access Account~ (Not for sale)
NAB FlexiAccount~ ## / FlexiDirect~ (Not for sale)
NAB Goal Saver Account~ (Not for sale) |
0.01% pa
0.01% pa
0.01% pa
0.01% pa
0.01% pa '
0.01% pa
0.01% pa
|
NAB Cash Management Accelerator Account~
(Not for sale) |
NAB Cash Management Account~
(Not for sale) |
$5,000 - $10,000
$10,000 - $50,000
$50,000 - $100,000
$100,000 - $250,000
$250,000 plus |
0.01% pa
1.50% pa
2.00% pa
2.50% pa
3.00% pa
|
$5,000 - $10,000
$10,000 - $20,000
$20,000 - $100,000
$100,000 - $250,000
$250,000 plus
|
0.01% pa
0.01% pa
0.01% pa
0.75% pa
1.50% pa
|
| Default Rates §§ |
|
Personal Accounts
|
18.62% pa
|
|
|
Indicator Rates - Business Deposits
Friday, 21 November 2008
| NAB Business Cash Maximiser Account^ |
NAB Farm Management Account^
(including Farmer's Choice Package^) |
| $10,000 plus |
5.25% pa
|
$1 - $20,000
$20,000 - $50,000
$50,000 - $100,000
$100,000 plus
|
0.01% pa
1.20% pa
1.80% pa
3.40% pa
|
| NAB Business Management Account^ |
NAB Business Investment Account^ |
$5,000 - $20,000
$20,000 - $50,000
$50,000 - $100,000
$100,000 - $250,000
$250,000 - $500,000
$500,000 plus |
0.01% pa†
0.25% pa†
0.75% pa†
1.75% pa†
2.50% pa†
3.25% pa†
|
$20,000 - $50,000
$50,000 - $100,000
$100,000 - $250,000
$250,000 - $500,000
$500,000 plus
|
0.25% pa
2.50% pa
2.75% pa
3.00% pa
3.25% pa
|
NAB Community Group Account
NAB Community Group Management Account
(Accounts not for sale) |
NAB Retail Lease Account^ |
$1 - $500,000
$500,000 plus |
0.01% pa
0.75% pa
|
$1 plus |
2.50% pa
|
| Default Rates §§ |
Business Accounts
Farm Management Accounts ††
Statutory Trust Accounts
NAB Retail Lease Account |
19.58% pa
16.48% pa
19.58% pa
19.58% pa
|
|
|
** Applicable to NAB iSaver accounts opened in the period 30/09/08 - 20/11/08. The NAB iSaver Introductory Rate is 1.25% pa above the NAB iSaver interest rate and applies to that part of the balance up to $1 million for 4 months from account opening. After 4 months accounts will receive the standard NAB iSaver interest rate. For balances greater than $1 million, the portion of the balance above $1 million will receive the standard NAB iSaver interest rate.
§§ Applicable to accounts overdrawn without an approved overdraft limit.
¶ A Product Disclosure Statement is not available for NAB Portfolio Facility - please refer to the NAB Portfolio Package General Terms and Conditions.
# Including Gold Banking accounts that form part of NAB Choice Package and NAB Private Tailored Package.
## Including NAB Tertiary Students Package FlexiAccount, NAB Graduate Package FlexiAccount, NAB Shareholder Package FlexiAccount, NAB FlexiAccount Choice Package, NAB FlexiAccount Private Tailored Package and NAB FlexiAccount - Tailored Home Loan.
‡ 1.00% pa on the first $1,999, then 3.00% pa on that part of the balance between $2,000 and $39,399, then 5.00% pa on that part of the balance over $39,400.
‡‡ 1.00% pa on the first $1,999, then 3.00% pa on that part of the balance between $2,000 and $38,399, then 5.00% pa on that part of the balance over $38,400.
' No interest on Smart Access and Smart Direct account balances up to $10,000.
^^ 0.01% pa for NAB FlexiPlus Mortgage Facility and NAB Home Equity Line of Credit credit balances below $20,000.
† Paid on balance over $5,000. The first $5,000 earns no interest.
†† For accounts opened from 10 September 2007. For accounts opened before 10 September 2007, please contact your banker or call NAB on 13 10 12.
Any advice in this document has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice on this document, National Australia Bank Limited recommends that you consider whether it is appropriate for your circumstances. Before making any decisions regarding any of the products covered by this document, NAB recommends you consider the applicable Product Disclosure Statement or other disclosure document, available from NAB.
The products covered by this document are issued by National Australia Bank Limited ABN 12 004 044 937 AFSL 230686.
This information was prepared on 20 November 2008. All rates are effective 21 November 2008, and are subject to change at any time. Fees and Charges apply. To find out more, visit nab.com.au, call into a NAB branch, or call 13 13 12 for information on personal rates or 13 10 12 for information on business rates.
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