Australian interest rates from RBA series
Reserve Bank of Australia statistical series: the cash rate target, advertised deposit and term-deposit averages, and indicator housing loan rates. These are published averages, not offers from any institution.
As at 2026-10-01. Per-table effective dates and the source link sit with each dataset below.
Draft · not publishedAustralian pack, RBA only. The rest of the Australian pack is not running: there is no comparison table, no institution index, no guide, no calculator. Every figure on this page is an RBA statistical series, never a product or lender offer, because no Australian bank's product data is reproduced here. The cash rate target, advertised deposit averages and indicator housing loan rates below are the only Australian surfaces the site ships today (#0019).
Limited Australian coverage. This page publishes RBA statistical averages only. It is not a product comparison, there are no lender or account offers here, and nothing on it is financial advice. No Australian bank's product data is reproduced. RBA material is used with attribution and implies no endorsement; paid placement and referral relationships do not apply to this page because it carries neither.
Cash rate target
The cash rate target the Reserve Bank sets. F1 is a daily series; the value below is the latest observation and the date is the day it is observed, not the day the change takes effect.
F1 Interest Rates and Yields — Money Market, cash rate target, effective 2026-09-30.| RBA series | Cash rate target |
|---|
| Cash rate target | 4.60%+0.25 pp |
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Advertised deposit and term-deposit rates
Month-end averages of advertised retail deposit rates from F4. Bonus savings averages depend on conditions in the month; the unconditional online savings average is the one always paid.
F4 Retail Deposit and Investment Rates, effective 2026-08-31.| RBA series | Transaction accounts, $5,000 | Bonus savings, $10,000 | Online savings, $10,000 | 1 month | 3 months | 6 months | 1 year | 3 years | Average, all terms |
|---|
| Deposit and term-deposit averages | 0.00% | 4.80% | 3.10% | 1.40% | 3.30% | 3.75% | 4.95%−0.05 pp | 4.20%−0.10 pp | 3.55%−0.05 pp |
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Indicator housing loan rates
Advertised indicator rates from F5, split into owner-occupier and investor. An indicator rate describes the market; it is not the rate a particular borrower receives.
F5 Indicator Lending Rates, effective 2026-08-31.| RBA series | Variable standard | Variable discounted | 3-year fixed |
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| Owner-occupier | 8.77% | 6.80% | 6.74% |
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| Investor | Not published | Not published | Not published |
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Source. Reserve Bank of Australia statistical tables F1, F4 and F5. Only RBA-attributed columns are retained; Copyright and disclaimer notice applies with no implied endorsement. Values are reproduced as published and are not a Money Financial calculation.
An RBA average is not an offer. No Australian account or loan appears on this page, and the rate available to a borrower or saver can differ with the institution, the product and its conditions.