Geelong Bank Affinity Savers

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Affinity Savers is a savings account from Geelong Bank. At $50,000 it pays 4.18% p.a. with no bonus conditions.

Rate tiers

Every balance band in the bank's feed: base is the rate the bank pays.

The rates are stepped: each band's rate is paid on the part of the balance that falls in it, so a balance across several bands earns a blend of them.

The feed states a minimum balance of $2,000 and a maximum balance of $100,000.

Conditions

• only available as part of the Affinity package once an Affinity home loan or car loan is approved
• you must live or work in the Greater Geelong or Surf Coast regions, or be referred by an existing Geelong Bank customer
• your salary must be deposited into this account

Features

card

Visa Debit Card

app

yes

Osko

yes

PayID

yes

notifications

yes

wallets

Apple Pay, Google Pay

Other features, in the bank's words:

• Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transasction account's available balance.
• No monthly access fee.
• Earn interest for balances $2,000 and over.
• No minimum balance.
• Salary must be deposited into Affinity Saver
• eStatements available

Fees, limits and who can open it

monthly fee

no monthly fee stated

minimum balance

$2,000

maximum balance

$100,000

interest paid

monthly

interest calculated

daily

open to

personal customers

linked account

a linked or nominated transaction account is required

region limited

open only to people who live or work in a certain area

Who can open it, in the bank's own words:

• You must be a member and resident of Australia
• residency: Individuals must be citizens or permanent residents of Australia.
• This account must receive your whole of pay

About this account

Earn interest with this everyday transaction account

Data

• Geelong Bank's own page for this account.
• The bank's documents its product record links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 5 November 2026.
• We read the bank's own page and terms against this page on 1 November 2026: affinity-saver-account, interest-rates-14-oct-2026.pdf, deposit-account-interest-rates, fees-and-charges-20-may-2026.pdf, accounts-access-facilities-01-may-2026.pdf, why-join-geelong-bank; conditions they state and its feed does not are listed above.
• /au/finance/savings-accounts/v1/brands/geelong-bank.json: this bank's accounts and every balance band as JSON; Geelong Bank's page lists them.
• The bank last updated this record on 5 November 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.

Other accounts at Geelong Bank

• Achieve Saverstale savings account, 2.82% conditional at $50,000
• Christmas Club Accountstale savings account, 3.75% base at $50,000
• iSaverstale savings account, 2.96% conditional at $50,000
• Online Saver Accountstale savings account, 1.75% base at $50,000
• Senior Saversstale savings account, 1.63% base at $50,000
• Superfund Maximiserstale savings account, 4.45% base at $50,000
• Young Achiever Savingsstale savings account, 3.35% conditional at $50,000
• Redi-Access Accountstale transaction account, 0.00% base at $50,000
• Total Access Accountstale transaction account

All of Geelong Bank's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.