RateSonarBETA

Deposit vs lending

depositloanNABmedian of the others

Recorded 19 Oct 2026

Variablesavings against home loans

4.59ptsmedian 5.06 · narrower than 28 of 48NABsavings 1.85%home loan 6.44%

Bank of Queensland (BOQ)1.33
Unity Bank1.65
Police CU2.14
Bendigo Bank2.34
Qudos Bank2.64
Fire Service CU2.84
People First and Heritage Bank3.14
Regional Australia Bank3.27
RACQ Bank3.29
bankWAW3.34
Darling Downs Bank3.49
Macquarie Bank3.54
Cairns bank3.59
Horizon Bank3.64
Northern Inland CU3.79
QBANK3.89
TMCU3.89
Commonwealth Bank4.09
SWSbank4.10
Broken Hill Bank4.19
NAB4.59
IMB Bank4.64
Arab Bank Australia4.69
BOQ Specialist4.77
Southern Cross CU4.93
ANZ5.19
First Option Bank5.69
The Mac5.82
Newcastle Permanent (NPBS)5.99
CU SA6.04
Defence Bank6.04
The Capricornian6.04
Virgin Money6.04
Orange CU6.14
Up6.20
BankVic6.23
ME Bank6.24
Bank Australia6.29
Easy Street6.29
ING6.33
Australian Military Bank6.34
ANZ Plus6.40
Dnister6.49
Laboratories CU6.59
Bank of Melbourne6.94
BankSA6.94
St.George Bank6.94
Westpac6.99
Judo Bank8.85

Fixedterm deposits against home loans, by term

2 years1.81ptsmedian 2.02 · narrower than 10 of 18NABterm deposit 5.00%fixed 6.81%

vs median spread · bps
Read this bankAI reading · balance sheet

AI reading

NAB · savings and the variable home loan · $50,000 · 80% LVR

Each claim is checked against the recorded figures; a claim that fails is withheld. It takes about 30 seconds.

Balance sheet

National Australia Bank Limited, APRA domestic books, three months to 31 Aug 2026: deposits +1.9%, loans +1.5%. The 22 large entities’ medians: deposits +1.8%, loans +1.9%. Balances, not new money. APRA, released 30 Sep 2026 ↗

How we compareMedians and limits

Each brand gives its best advertised rate in each comparison, recorded 19 Oct 2026. Savings is the base rate paid monthly, with no bonus, club or special-purpose account; term deposits pay at maturity up to a year and yearly after it. Home loans are owner-occupier, principal and interest, $500,000 at the LVR you pick; a package-only rate is left out.

A spread is a brand’s loan rate minus its deposit rate at the same term and balance, so only brands with both count, and missing is never zero. The medians are of the other brands with both, the chosen bank left out, and need at least three. Advertised spreads show pricing, not a bank’s funding cost, fees or hedges.