Live Rates
Fed Funds 3.75%30yr Mortgage 6.36%15yr Mortgage 5.71%HYSA APY 4.10%Inflation CPI 3.30%10yr Treasury 4.37%Prime Rate 6.75%Auto Loan 60mo 7.20%Savings Rate 0.38%Fed Funds 3.75%30yr Mortgage 6.36%15yr Mortgage 5.71%HYSA APY 4.10%Inflation CPI 3.30%10yr Treasury 4.37%Prime Rate 6.75%Auto Loan 60mo 7.20%Savings Rate 0.38%
LIVE · UPDATED MANUALLY

🇦🇺 Australia Interest Rates

Key benchmark rates for Australia — RBA Cash Rate 3.85%, inflation 2.7%. Used automatically in AUD-denominated calculators.

LAST UPDATED
2026-05-09
RBA Statistics API (automated)
RBA Cash Rate
3.85%

Reserve Bank of Australia overnight rate. The primary lever for Australian monetary policy.

Variable Home Loan
6.10%

Average standard variable rate from the Big 4 banks. Moves within weeks of each RBA decision.

2yr Fixed Home Loan
5.85%

2-year fixed mortgage rate. Popular after variable rates rose sharply in 2022–2023.

HISA Rate
5.20%

High-Interest Savings Account — best rates from ING, UBank, and Macquarie.

Term Deposit 1yr
5.00%

1-year term deposit rate. APRA-regulated; covered by the Financial Claims Scheme.

CPI Inflation
2.70%

Australian CPI year-on-year. RBA targets 2–3% over the medium term.

2026Thresholds & Limits

Super Guarantee Rate
11.5%
Concessional Cap
A$30,000
Tax-Free Threshold
A$18,200

How We Source These Rates

Australia rates are sourced from RBA Statistics API (automated) and updated manually on a scheduled basis. Each update is tracked with calendar reminders to keep data current.

Last checked: 2026-05-09

Use These Rates in Calculators

All Australiacalculators on NookWealth pre-fill with the rates shown here — whether you're modelling a home loan, super, or retirement savings.

🇦🇺 Open Australia Calculators →
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