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Motorcycle Loans

  • Available for motorcycles up to 5 years old, with our low rate Motorcycle Loan you can set your sights on that bike you’ve always wanted. With no hidden fees or early payout penalties, a high performance model or even that Harley could be yours sooner than you think.

    Motorcycle Loan features:
    • One of the cheapest rates on the market
    • No early payout fees
    • No fees for extra repayments
    • Free redraw facility - available online or in branch.

    What will my repayments be?


    Use the Personal Loan Repayment Calculator to work out your minimum weekly, fortnightly or monthly loan repayments.


    * Comparison rate is based on a $30,000 secured loan over a 5 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and Charges are payable. Terms and Conditions available on request.

  • Loan Interest Rates



    Effective 08 November 2016



    Premier Home Loan



    Annual Rate
    Comparison Rate1
    Premier Home Loan
    3.95% pa
    3.95% pa
    DHOAS Premier Home Loan
    3.95% pa
    3.95% pa

    Ultimate Package rates


    Annual Rate
    Comparison Rate1
    Owner Occupied
    Variable rate
    -
    4.45% pa
    4.81% pa
    Variable rate for loans over $750,000
    -
    4.25% pa
    4.62% pa
    Variable rate for loans $250,000 to $750,000
    -
    4.35% pa
    4.71% pa
    Variable rate for loans under $250,000
    -
    4.45% pa
    4.81% pa
    Fixed rate
    1 year
    3.99% pa
    4.77% pa
    2 year
    3.75% pa
    4.68% pa
    3 year
    3.89% pa
    4.66% pa
    4 year
    3.99% pa
    4.66% pa
    5 year
    4.59% pa
    4.87% pa
    Investor
    Variable rate
    -
    5.00% pa
    5.35% pa
    Variable rate for loans over $750,000
    -
    4.70% pa
    5.06% pa
    Variable rate for loans $250,000 to $750,000
    -
    4.75% pa
    5.11% pa
    Variable rate for loans under $250,000
    -
    5.00% pa
    5.35% pa
    Fixed rate
    1 year
    4.14% pa
    5.27% pa
    2 year
    3.89% pa
    5.14% pa
    3 year
    4.04% pa
    5.09% pa
    4 year
    4.14% pa
    5.06% pa
    5 year
    4.59% pa
    5.18% pa
    Smart Mover Line of Credit
    Variable rate
    -
    5.24% pa2
    NA

    Essentials Home Loan rates

    Annual Rate
    Comparison Rate1
    Owner Occupied
    Variable rate
    -
    4.45% pa
    4.61% pa
    Variable rate for loans over $750,000
    -
    4.45% pa
    4.61% pa
    Variable rate for loans $250,000 to $750,000
    -
    4.45% pa
    4.61% pa
    Variable rate for loans under $250,000
    -
    4.45% pa
    4.61% pa
    Fixed rate
    1 year
    4.09% pa
    4.57% pa
    2 year
    3.85% pa
    4.50% pa
    3 year
    3.99% pa
    4.48% pa
    4 year
    4.09% pa
    4.48% pa
    5 year
    4.69% pa
    4.71% pa
    Investor
    Variable rate
    -
    5.00% pa
    5.16% pa
    Variable rate for loans over $750,000
    -
    5.00% pa
    5.16% pa
    Variable rate for loans $250,000 to $750,000
    -
    5.00% pa
    5.16% pa
    Variable rate for loans under $250,000
    -
    5.00% pa
    5.16% pa
    Fixed rate
    1 year
    4.24% pa
    5.08% pa
    2 year
    3.99% pa
    4.97% pa
    3 year
    4.14% pa
    4.92% pa
    4 year
    4.24% pa
    4.89% pa
    5 year
    4.69% pa
    5.03% pa
    Smart Mover Line of Credit
    Variable rate
    -
    5.39% pa2
    NA

    Reference Rates


    Reference Rates
    Annual Rate
    Comparison Rate1
    Standard Variable Reference Rate
    5.25% pa
    5.31% pa
    Standard Variable Investor Reference Rate
    5.78% pa
    5.85% pa
    Smart Mover Reference Rate
    5.39% pa
    NA
    Basic Variable Home Loan
    4.09% pa
    4.13% pa

    1Comparison rates based on a $150,000 secured loan over 25 years. Fees and Charges are payable. Terms and Conditions available on request. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.


    2Fees and Charges are payable. Terms and Conditions available on request.


    Car Loan and Personal Loan rates

    Annual Rate
    Comparison Rate
    6.59% pa
    7.58% pa3
    6.59% pa
    7.58% pa3
    6.59% pa
    7.58% pa3
    11.74% pa
    12.62% pa4
    13.99% pa
    14.86% pa4
    15.35% pa (variable)5
    NA

    3Comparison rate is based on a $30,000 secured loan over a 5 year term. Fees and Charges are payable. Terms and Conditions available on request. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate
    4Comparison rate is based on a $30,000 unsecured loan over a 5 year term. Fees and Charges are payable. Terms and Conditions available on request. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
    5Available to approved applicants at 15.35% pa (variable). A different variable rate may apply to applicants who do not qualify for the base rate. Fees and Charges are payable. Terms and Conditions available on request.


    True Blue Credit Card rates

    Annual variable rate
    6 month start rate (new customers only)
    3.99% pa
    Ongoing variable rate
    11.74% pa6

    6Fees and Charges are payable. Terms and Conditions apply.

    You may not realise it, but there's a
    Defence Bank branch near you



    We have 40 Defence Bank branches across Australia, with most conveniently located on Defence bases.

    Please note that if you are visiting a Defence Bank branch located on a Defence base, you will need to bring your current Defence pass with you. If you do not have a current Defence pass, please contact the relevant branch prior to visiting to find out what ID is required and any other local requirements for accessing the branch on base.


    Australian Capital Territory

    ADFA (ATM available)
    Opening hours: Monday to Friday 9.00am to 4.00pm

    Building 33 Academy House
    Australian Defence Force Academy
    Northcott Drive, Campbell, ACT 2612
    Phone (02) 6152 2400.
    Fax (02) 6152 2405

    Brindabella
    Opening Hours: Monday to Friday 8.00am to 4.00pm

    Unit 3/23 Brindabella Circuit
    Brindabella Business Park ACT 2609
    Phone (02) 6230 7867
    Fax (02) 6230 7541

    Campbell Park
    Opening Hours: Monday to Friday 9.00am to 4.00pm

    Campbell Park Offices
    Northcott Drive, Campbell Park, ACT 2612
    Phone (02) 6191 6600
    Fax (02) 6191 6611

    Duntroon (ATM available)
    Opening Hours: Monday to Friday 9.00am to 4.00pm

    70B Fraser Road
    Campbell, ACT 2612
    Phone (02) 6150 6300
    Fax (02) 6150 6311

    Russell
    Opening Hours: Monday to Friday 9.00am to 4.00pm

    R2, Ground Floor
    Russell Offices, Russell, ACT 2600
    Phone (02) 6150 6800
    Fax (02) 6150 6811

    New South Wales

    HMAS Albatross (ATM available)
    Opening Hours: Monday to Friday 9.00am to 2.00pm

    Building 848 Fulmar Road
    HMAS Albatross
    Nowra Naval Area, NSW 2540
    Phone (02) 4422 7381
    Fax (02) 4422 7382

    HMAS Kuttabul
    Opening Hours: Monday to Friday 9.00am to 4.00pm

    12-14 Wylde Street
    Potts Point, NSW 2011
    Phone (02) 9296 8300
    Fax (02) 9296 8311

    Holsworthy
    Opening Hours: Monday to Friday 9.00am to 4.00pm

    Maxwell's Club
    MacArthur Drive, Holsworthy, NSW 2173
    Phone (02) 8785 9500
    Fax (02) 8785 9511

    Kapooka
    Opening Hours: Monday, Tuesday, Wednesday* and Friday 9.00am to 4.00pm;
    Thursday 12.00pm to 8.00pm

    Edmondson Club, ARTC
    Kapooka, NSW 2661
    Phone (02) 6933 8427
    Fax (02) 6931 1348
    *Please note, some Wednesdays we are closed until 12.00pm due to recruit presentations.

    Richmond (ATM available)
    Opening Hours: Monday to Friday 9.00am to 4.00pm

    BLDG 327
    McNamara Avenue
    RAAF Base, Richmond, NSW 2753
    Postal: PO Box 915, Windsor, NSW 2756
    Phone (02) 4570 3600
    Fax (02) 4570 3611

    Singleton
    Opening Hours: Monday to Friday 9.00am to 2.00pm
    plus Wednesday 5.30pm to 6.30pm

    Jeffries Club Complex
    School of Infantry
    Range Road, Singleton, NSW 2331
    Phone (02) 6572 5800
    Fax (02) 6572 5811

    Wagga
    Opening Hours: Monday to Friday 9.00am to 4.00pm.

    Scherger Club Complex
    Malcolm Road
    RAAF Base Wagga, Forest Hill, NSW 2651
    Phone (02) 6937 5420
    Fax (02) 6922 7848

    Williamtown (ATM available)
    Opening Hours: Monday to Friday 9.00am to 4.00pm

    Frontline Complex
    RAAF Base, Williamtown, NSW 2314
    Phone (02) 4014 6900
    Fax (02) 4014 6911

    Northern Territory


    Darwin
    Opening Hours: Monday to Friday 9.00am to 4.30pm

    BLDG 51, Amaroo Road
    RAAF Base, Darwin, NT 0820
    Phone (08) 8923 5151
    Fax (08) 8981 6656

    Larrakeyah
    Opening Hours: By appointment only

    Gull Force Hall, Herring Road
    Larrakeyah Barracks, Larrakeyah, NT 0820
    Phone (08) 8923 5151
    Fax (08) 8981 6656

    Robertson Barracks
    Opening Hours: Monday to Friday 9.00am to 4.30pm

    Frontline Complex
    Cnr Lighthorse Dr & Suvla Bay Rd, NT 0830
    Phone (08) 8925 2553
    Fax (08) 8947 9132

    Tindal
    Opening Hours: Monday to Friday 9.00am to 4.30pm

    Frontline Complex
    RAAF Base, Tindal, NT 0853
    Phone (08) 8973 6336
    Fax (08) 8971 7251

    Queensland


    Amberley (ATM available)
    Opening Hours: Monday to Friday 9.00am to 4.15pm

    Canteen Complex
    RAAF Base, Amberley, QLD 4306
    Phone (07) 3819 6800
    Fax (07) 3819 6811

    Canungra
    Opening Hours: Tuesday and Thursday 10.00am to 2.00pm

    Kevin Wheatley VC Club Complex
    Kokoda Barracks, LWC Canungra, QLD 4275
    Phone (07) 5505 2000
    Fax (07) 5505 2011

    Enoggera (ATM available)
    Opening Hours: Monday to Friday 8.30am to 4.30pm

    Building 002 Defence Bank
    Gallipoli Barracks, Enoggera, QLD 4051
    Phone (07) 3551 0800
    Fax (07) 3551 0811

    Lavarack (ATM available)
    Opening Hours: Monday to Friday 9.00am to 4.30pm

    Area 600, Lavarack Barracks
    Townsville (next to chapel), QLD 4810
    Phone (07) 4725 4999
    Fax (07) 4779 1050

    Oakey
    Opening Hours: Wednesday 9.30am - 12.30pm & 1.00pm - 4.00pm. Other hours by appointment.

    Frank McNamara VC Club
    Army Aviation Centre, Oakey, QLD 4401
    Phone (07)4692 5100
    Fax (07) 4692 5111

    Townsville
    Opening Hours: Monday to Friday 9.00am to 4.30pm

    Canteen Complex
    RAAF Base Townsville, QLD 4810
    Phone (07) 4412 9700
    Fax (07) 4412 9711

    Willows
    Opening hours: Monday to Friday 9.00am to 5.00pm

    Shop 144, Willows Shopping Centre
    Cnr Thuringowa Drive & Ross River Road
    Kirwan QLD 4817
    Phone (07) 4758 3900
    Fax (07) 4758 3910

    South Australia


    Edinburgh
    Opening Hours: Monday to Friday 9.00am to 4.00pm

    Room G/023
    Building 802, RAAF Base
    Edinburgh, SA 5111
    Phone (08) 8259 6100
    Fax (08) 8259 6111

    Keswick
    Opening Hours: Monday to Friday 9.00am to 4.00pm

    BLDG 198
    Keswick Barracks, Keswick, SA 5035
    Phone (08) 8193 8200
    Fax (08) 8193 8211

    Tasmania


    Contact Centre
    Opening Hours: Monday to Friday 8.00am to 8.00pm

    Phone: 1800 033 139
    Fax: (03) 8624 5892


    Victoria


    Bandiana
    Opening Hours: Monday to Friday 9.00am to 4.00pm

    Gaza Ridge Barracks
    South Bandiana, VIC 3694
    Phone (02) 6068 9300
    Fax (02) 6068 9311

    Bonegilla
    Opening Hours: Monday to Friday 9.00am to 2.00pm; Thursday 9.00am to 6.00pm

    Swimming Pool Complex
    Latchford Barracks, Bonegilla, VIC 3691
    Phone (02) 6020 6166
    Fax (02) 6020 6054

    Bourke Street
    Opening Hours: Monday to Friday 8.30am to 4.00pm

    Defence Plaza
    661 Bourke Street, Melbourne, VIC 3000
    Phone (03) 8347 8400
    Fax (03) 8347 8411

    East Sale
    Opening Hours: Monday to Wednesday 9.00am to 4.00pm;
    Thursday 9.00am to 5.00pm; Friday 9.00am to 2.30pm

    BLDG 753, Catalina Street
    RAAF Base, East Sale, VIC 3852
    Phone (03) 5149 4800
    Fax (03) 5149 4806

    HMAS CERBERUS
    Opening Hours: Monday to Thursday 9.00am to 5.00pm,
    Friday 9.00am to 3.00pm

    Phillip Road
    HMAS CERBERUS, VIC 3920
    Phone (03) 5931 2200
    Fax (03) 5931 2211

    Laverton
    Opening Hours: Monday to Friday 9.00am to 4.00pm

    BLDG L425, Charlesworth Parade
    RAAF Williams, Laverton, VIC 3028
    Phone (03) 8368 9100
    Fax (03) 8368 9111

    Puckapunyal
    Opening Hours: Monday to Wednesday 9.00am to 4.00pm; Thursday to Friday 9.00am to 5.00pm

    Shop 2
    Puckapunyal Shopping Mall
    Labuan Street, Puckapunyal, VIC 3662
    Phone (03) 5735 7612
    Fax (03) 5793 1155

    Queen Street
    Opening Hours: Monday to Friday 9.00am to 4.00pm

    Level 5
    31 Queen Street
    Melbourne VIC 3000
    Phone (03) 8624 5459
    Fax (03) 8624 5892

    Victoria Barracks
    Opening Hours: Monday to Friday 8.30am to 4.00pm

    H Block
    Victoria Barracks
    256 St Kilda Road, Southbank, VIC 3006
    Phone (03) 8533 2600
    Fax (03) 8533 2611

    Watsonia
    Opening Hours: Monday to Friday 9.00am to 4.30pm
    plus Thursday 9.00am to 5.00pm

    BLDG 20, Blamey Road
    Simpson Barracks, Macleod, VIC 3085
    Phone (03) 8458 5200
    Fax (03) 8458 5211

    Western Australia


    HMAS STIRLING
    Opening Hours: Monday to Friday 9.00am to 4.00pm

    Block A34
    HMAS STIRLING, Rockingham, WA 6168
    Phone (08) 9599 5000
    Fax (08) 9599 5011

    Pearce
    Opening Hours: Monday to Friday 9.00am to 4.00pm

    BLDG 53, Spitfire Avenue
    RAAF Base Pearce, Bullsbrook, WA 6084
    Phone (08) 9570 8700
    Fax (08) 9570 8711

    Swanbourne
    Opening Hours: Monday to Friday 9.00am to 4.00pm

    BLDG 4-28
    Campbell Barracks, Swanbourne, WA 6010
    Phone (08) 9269 8996
    Fax (08) 9383 1159


    Need to talk?
    Call 1800 033 139

    Interest rates

    Effective 14 November 2016

    Rates for Term Deposits


    Premium (minimum investment $1,000)
    $1,000 - $1,000,000
    10 months
    2.65% pa

    Standard (minimum investment $1,000)
    $1,000 - $1,000,000
    3 months
    2.20% pa
    6 months
    2.30% pa
    9 months
    2.35% pa
    12 months
    2.35% pa
    24 months
    3.00% pa

    * If your deposit is over $1,000,000, please call our Investments Team on 1800 979 188 to discuss.

    Rates for Defence Bank Retirement Savings Account:


    Variable rate option
    Balance
    Percentage Rate
    $1 - $9,999
    1.00% pa
    $10,000 and over
    1.75% pa

    • Account balances earn interest according to the applicable tiered interest rate on the entire account balance. Interest is calculated daily on the closing balance and credited annually on 30 June.
    • The rates quoted are gross rate of interest before deduction of government earnings tax.

    Term Deposit option
    Min Balance
    Terms
    Percentage Rate
    $10,000
    6 months
    2.35% pa
    $10,000
    12 months
    2.50% pa
    $10,000
    24 months
    2.75% pa

    • Where the terms exceed 12 months, interest will be paid into your RSA Variable account on the anniversary of the funding date. Interest payable in respect of the last 12 months, or part therefore, is added to the balance at maturity.
    • The rates quoted are gross rate of interest before deduction of government earnings tax.

    Rates for Defence Bank Super Term Deposits


    Minimum investment $10,000
    $10,000 plus
    1 year
    2.90% pa
    2 year
    3.00% pa
    3 year
    3.15% pa

    Rates for iSaver:


    Opening rate (applicable for three months)
    $0 plus
    2.40% pa

    Standard rate
    $0 plus
    1.40% pa

    • Opening rate applies to new accounts only and to the entire balance for the first three month period, it then converts to the standard rate.
    • New accounts do not include funds previously invested with Defence Bank. Limit of one iSaver account per member.
    • Interest is calculated daily on the closing balance and credited on the last day of each month.
    • Available only for deposits up to $1 million.

    Rates for the Max eSaver:

    Standard Rate
    Bonus Rate
    0.25% pa
    2.00% pa

    • If a deposit is made within the month with no withdrawals, the bonus rate, as reflected above, applies to the balance for that month.
    • Interest is calculated daily on the closing balance and credited on the last day of each month.

    Rates for Everyday Access, National Access and Salary Saver:

    Balance
    Percentage Rate
    $0 - $249.99
    nil
    $250.00 plus
    0.01%p.a

    • Interest is earned on that part of the balances that exceeds $249.99
    • Interest is calculated daily on the closing balance and credited on 31 March each year.

    Rates for Cash Management and Flexi Term:

    Min Balance
    Percentage Rate
    $0 - $999.99
    0.00% pa
    $1,000.00 - $4,999.99
    0.25% pa
    $5,000.00 - $19,999.99
    1.00% pa
    $20,000.00 - $49,999.99
    1.00% pa
    $50,000.00 plus
    1.50% pa

    • Account balances earn interest according to the applicable tiered interest rate on the entire account balance
    • Interest is calculated daily on the closing balance and credited on the last day of each month.

    Rates for Budget Savings and General Insurance Savings:

    Balance
    Percentage Rate
    $0 plus
    0.01% pa

    • Interest is calculated daily on the closing balance and credited on 31 March each year.

    Rates for Christmas Saver:

    Balance
    Percentage Rate
    $0 - $249.99
    nil
    $250 plus
    0.01% pa

    • Interest is earned on that part of the balance that exceeds $249.99
    • Interest is calculated daily on the closing balance and credited on 31 October each year.

    Rates for Pensioner Deeming:

    Balance
    Percentage Rate
    $0 - $49,200
    1.75% pa
    $49,201 plus
    3.25% pa

    • The first $49,200 earns interest at the lower interest rate regardless of account balance
    • Interest is calculated daily on the closing balance and credited on the last day of February, May, August and November each year.

    Rates for Kids Club:

    Min Balance
    Percentage Rate
    $0
    1.25% pa

    • Interest is calculated daily on the closing balance and credited on 31 March each year.

    Terms and Conditions Apply

  • To view the fees for Motorcycle Loans, click here.
Call 1800 033 139
phone