Update on Interest Rates: Following the RBA decision to increase the official cash rate, we are currently reviewing our rates and will keep you informed.

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Transaction Accounts

Quick access to your money, anywhere, anytime.

Savings Accounts

Maximise your funds while maintaining your freedom.

Term Deposit Accounts

Grow your funds at a guaranteed rate for peace of mind.

Mobile Banking

Banking and paying on the go

Internet Banking

A safe and easy-to-use way of banking from wherever you are

International and Travel

Sending and receiving money overseas

Eco Home Loan

For assistance with environmentally sustainable purchases.

Basic Home Loan

Keep things simple with a variable loan and low ongoing rate.

Premium Home Loan

Take things up a notch with more features and greater flexibility.

Fixed Rate Home Loan

For maximum certainty and the flexibility of a redraw.

Home Loan Interest Rates

Compare home loan options for a property that you live in.

What’s the difference? Compare home loan options.

Investment Loans

Flexible and tailored investment solutions to help you reach your financial goals, faster.

Investment Loan Interest Rates

Compare our interest rates for investment property

Eco Personal Loan

Significant savings and lower rates for eco-friendly purchases.

Personal Loan

Variable loans with generous redraw options and a low ongoing rate.

Car Loan

Cruise your way to a competitive rate on vehicle purchases.

Equity Plus Personal Loan

A unique way to boost your financial goals.

What’s the difference? Compare personal loan options.

Low Rate Credit Card

Great introductory offers to make your spending smarter than ever.

Rewards Credit Card

A credit card that really does live up to its name with rewards converted to cash back.

What’s the difference? Compare credit card options.

Insurance

The essential cover to give you peace of mind.
Business Banking

Business Plus Account

Designed for business with full access in mind

Community First Account

No monthly account fee with great access and controls

Variable Rate Business Loan

Either principal and interest or interest-only basis

Fixed Rate Business Loan

Lock in a rate for an agreed time to protect yourself

What’s the difference? Compare business loan options.

Merchant Facilities

Accept credit or debit cards online and in-store.

Business Overdraft

A line of credit linked to your business account

Business Leasing

Whether you’re acquiring a single car or a fleet of trucks
About Us

Why us

As a certified B Corp, we offer banking with purpose, making a positive impact on both your finances and our shared future.

Our history

Since 1964, Summerland Bank has been committed to sustainability and community well-being.

Merger Plans

Our shared intent to merge with fellow customer-owned, Regional Australia Bank by 2026. Learn more about the news and what this means for you.

Join the team

Create a meaningful difference in the lives of others through the power of customer owned banking.

Why you'll love it here

Get to be part of a team that truly values people and the planet.

The essentials

Find out what you need to know about how we care for and support our team.

Introducing our board

Visionaries and strategist dedicated to steering us toward continued success and growth.

Meet the executive team

Leaders in innovation and strategy, guiding us towards a bright future.

Staying accountable

We adhere regulatory standards, maintaining transparency, and implementing robust internal controls and ethical practices.
Our Impact

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My Business Banking

Compare Business Loan Options

Compare Business loan options

Decide which option is right for you.

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Variable Rate Business Loan

Keep things simple with a variable loan featuring generous redraw options and a low ongoing rate, with flexibility on repayments and tailored assistance to help your business thrive.

Annual Interest Rate¹

8.59% p.a.

24/7 access via app and Internet Banking

Redraw - Minimum $500

Additional payments without penalty

Max $20,000

Maximum Loan Term

15 years

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Fixed Rate Business Loan

Fix your interest rate for up to five years and enjoy the flexibility of an added redraw facility. Designed to give you ultimate peace of mind and maximum certainty, our fixed rate loans are available on both a principal and interest or interest-only basis.

Annual Interest Rate¹

1 year 7.54% p.a.

24/7 access via app and Internet Banking

Redraw - Minimum $500

Additional payments without penalty

Max $20,000

Maximum Loan Term

5 years

The legal stuff

1. Rate applicable to residential security only. A different rate applies for non-residential security properties. Contact us for more information.

Products are issued by Regional Australia Bank Ltd trading as Summerland Bank (ABN 21 087 650 360). AFSL & Australian Credit Licence 241167. Rates are subject to change. Conditions, fees, and eligibility criteria may apply, see us for details. Terms and Conditions available upon request.

This is general advice only and may not be right for you. Please read the Credit Guide, Financial Services Guide, Accounts & Access Facility Conditions of Use and Fees, Charges and Transaction Limits schedule before making decisions. A copy can be obtained online from one of our branches, or by contacting us on 1300 728 728.