First Home Buyers

Home loans and lending advice for first home buyers.

Buying Your Next Home

Competitive home loan interest rates for purchasing a new home.

Investment Home Loans

For first time property investors or those looking to increase their portfolio.

Refinancing Your Home Loan

For those looking for a better home loan deal or to unlock equity.

Building and Renovating

A tailored home loan to fund your building or renovation project.

Cash on Hand Line of Credit

For any worthwhile non-business purpose to provide you access to a set amount of money and only pay interest on the funds you use.

Home Loan Products

MyState offers a range of tailored home loan product options.

Make an Appointment

Make an appointment with one of our home loan experts.

Read about our car loan or used car loan to finance a new or second-hand car, motorbike or caravan.

Need a holiday?

A holiday loan is a convenient and flexible option for financing your next holiday.

Life’s Little Extras

A personal loan to finance unexpected expenses or some of life’s little extras.

Debt Consolidation

Debt consolidation loans take the hassle act out of managing numerous repayments.

Personal Loan Products

Choose from secured and unsecured personal loan products and overdrafts.

Make an Appointment

Make an appointment with one of our personal loan experts.

Motor Vehicle Insurance

Motor Vehicle Insurance policies through CGU Insurance.

Flexible home insurance policies through CGU Insurance.

Caravan Insurance

Holiday with confidence with caravan insurance through CGU.

Boat insurance to protect against theft, accidental loss or damage.

Landlord Insurance

Landlord insurance to protect against loss or damage by tennants.

Travel Insurance

Comprehensive travel insurance cover with simple online application.

Loan Protection Insurance

Loan protection insurance to cover your loan repayments or line of credit.

Health Insurance

Competitive health insurance policies through St.LukesHealth.

Are you under insured?

MasterCard - Platinum

Compliment your lifestyle with premium rewards.

MasterCard - Rewards

Great value and a card that rewards your everyday spending.

MasterCard - Low Rate

Keep it simple and start saving with a low rate credit card.

Visa Debit Card

A premium and flexible card to access your cash anywhere in the world.

A handy no frills card to make purchases or withdraw cash 24/7.

Finding the right card

With so many cards to choose from understanding the benefits of each can be confusing, we make it easy by comparing them for you.

Savings & Investments

Online Savings Account

A savings bank account with interest and easy access to funds.

Short to medium-term investment for excess cash.

An interest, 'at call' bank account for customers under 18 years.

A convenient 'everyday' bank account with overdraft and easy access.

Save money by offsetting your daily account balance against your linked MyState Home Loan.

Bill Payer Account

A separate account for ongoing bills and living expenses with overdraft available.

Deeming Account

An 'at-call' account with interest for self-funded retirees or those eligible for Government pension or Allowance.

Minimising Fees and Charges

Take a look at our handy tips for minimising fees and charges.

Payments and Transfers

A range of convenient options to make payments and transfer cash.

Transaction Accounts

Everyday Business Account

Simple, fast and efficient access to manage your business banking.

Premium Business Account

Make your money work harder with a tiered interest rate.

Savings & Investments

Business Online Saver

An interest earning, at call bank account for surplus cash.

Short to medium-term investment for excess cash.

Overdrafts & Lending

Access to additional funds to manage your cash flow.

A business loan to fund business growth.

Merchant Services

Making EFTPOS work for you

EFTPOS provides more payment gateway options for you and your customers.

Your choice of EFTPOS terminals

An EFTPOS terminal is a convenient way to accept and process payments from credit and debit cards.

Additional Features

More features to save you time and money with an EFTPOS terminal.

Business Banking Managers

Agribusiness

Transaction Accounts

Everyday Agribusiness Account

Simple, fast and efficient day to day access to your money.

Premium Agribusiness Account

Make your money work harder with a tiered interest rate.

Savings & Investments

Agribusiness Online Saver

Earn interest without locking your money away.

Short to medium-term investment for surplus cash.

Overdrafts & Lending

Conveniently manage and improve your seasonal cash flow.

A rural loan to fund agribusiness growth.

Agribusiness Managers

Wealth Management

Our qualified Financial Planners can assist you to grow and protect your wealth.

The Benefits of Wealth Management

Manage risk, save time, and improve your overall financial investment results.

The Planning Process

Our Wealth Management experts take the time to tailor solutions to suit your needs.

It is never too early to start your financial planning journey.

Building Wealth

Financial investment options to get you further ahead with financial planning.

Planning for Retirement

Wealth management strategies to help achieve your retirement objectives.

Planning for Future Generations

Ensure your financial investments grow and keep paying, well into the future.

Wealth Creation

Secure your financial future through effective wealth creation strategies.

Wealth Protection

Ensure you have effective cover to manage the unexpected.

Planning for the next generation

Direction for long-term generation of income and growth of financial investments.

Convenient and secure online access to track your financial investments.

MyState Foundation

MyState Student Film Festival

Cards

Tools & Resources

Finding the right card

We all have different levels of comfort and spending habits and with the number of card products to choose from; finding the right card to suit your needs can be confusing. Consider the following when choosing the right card for you:

	Access your money anywhere, anytime.	Access your money at ATMs and EFTPOS.	If your card balance carries over most months, start saving interest with a low rate credit card.	If you pay off your credit card balance in full each month, choose a credit card that rewards you for everyday spending.
Card Type	Visa Debit Card	rediCARD PLUS	Low Rate MasterCard	Rewards MasterCard
Features	Spend your own money wherever you'd normally need a credit card including online, over the phone and overseas. Access your own funds via ATM andEFTPOS terminals	Access your own funds using your PIN security code at ATMs and EFTPOS terminals in Australia and overseas	Save with our low 9.9% p.a.special offer for 12 months*. Low annual fee and up to 55 days interest free	Maximise your Rewards points from every retail purchase, up to 55 days interest free and free international travel insurance*
Use your own money
Use credit – pay later
Access to your own funds at ATMs for cash withdrawals
Cash advances
Access to your own funds for in-store purchases
Use card to shop by phone or Internet
Use your card overseas
Low annual fee	NIL	NIL
Up to 55 days interest free#	N/A	N/A
Special rate on balance transfers	N/A	N/A
Generous credit limits	N/A	N/A
Earn Reward points on every $1 spent	N/A	N/A
Free cover on purchases+	N/A	N/A
Use card as a line of credit for large purchases	N/A	N/A
Peace of mind for backup cash flow management	N/A	N/A
Fraudshield to detect irregular transactions	N/A	N/A
Up to four free additional cards^	N/A	N/A
Additional cards on request	N/A	N/A

If you are still unsure about which card combination suits you, call our Service Centre on 138 001 or visit your nearest Branch.

*Conditions apply - see application form for details. Following the 6 month period, the standard cash rate will apply.

#on credit card purchases.

^Terms, conditions and exclusions apply - see Application for Additional Cardholder.

+ on new items that are lost, stolen or damaged within three months of purchase using your MyState Financial MasterCard.

Any advice on this website does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Please read our disclosure documentation before acquiring any product. Loan applications are subject to MyState's credit approval criteria. Terms and Conditions, Fees and Charges apply, and are subject to change.

© MyState Financial Limited (MyState) ABN 89 067 729 195 AFSL 240896 ACL Number 240896. A wholly owned subsidiary of MyState Limited ABN 26 133 623 962. BSB 807009.