Anglican Investment & Development Fund (AIDF)
An Ethical Investment to help support the mission of the Diocese of Canberra & Goulburn
INTEREST RATES
Effective from 1 March 2026
AIDF offers a range of accounts to eligible associates*, Parishes, Schools and Agencies of the Anglican Diocese of Canberra & Goulburn.
Choose an account below to view the current interest rates.
Personal Accounts
Associates Only*
Online Community Saver Account
An online community saver / notice account offers competitive returns while supporting your nominated local Anglican Parish or Agency.
| Base Interest Rate | 4.25% |
|---|---|
| Bonus to nominated Parish / Agency | 0.50% |
Interest calculated daily and paid monthly. Bonus interest paid annually.
Access Account
| Balance | Interest Rate |
|---|---|
| Up to $50,000 | 0.30% |
| Over $50,000 | 0.35% |
Interest is calculated daily and paid every 6 months in June & December.
Loans
| Personal Loan | 9.00% |
|---|
| Home Loan | Term | Interest Rate |
|---|---|---|
| Variable | – | 5.25% |
| Fixed Rate | 1 Year | 5.80% |
| Fixed Rate | 2 Year | 5.80% |
| Fixed Rate | 3 Year | 5.90% |
Interest is calculated daily and paid every 6 months in June & December.
Term Investments
Interest rates for fixed-term investments are outline on the dedicated Term Investments page.
Business Accounts
Parishes | Schools | Agencies
Cash Management Account
| Base Interest Rate | 3.40% |
|---|
Interest calculated daily and paid monthly.
Cheque Account
| Balance | Interest Rate |
|---|---|
| Up to $100,000 | 0.15% |
| Over $100,000 | 0.20% |
Interest is calculated daily and paid every 6 months in June & December.
Access Account
| Balance | Interest Rate |
|---|---|
| Up to $50,000 | 0.30% |
| Over $50,000 | 0.35% |
Interest is calculated daily and paid every 6 months in June & December.
Loans
| Standard Loan | 7.30% |
|---|
| Overdraft Rate | 8.25% |
|---|
| Non-Personal Home Loan | Term | Interest Rate |
|---|---|---|
| Variable | – | 5.50% |
| Fixed Rate | 1 Year | 5.80% |
| Fixed Rate | 2 Year | 5.80% |
| Fixed Rate | 3 Year | 5.90% |
Interest is calculated daily and paid every 6 months in June & December.
Term Investments
Interest rates for fixed-term investments are outline on the dedicated Term Investments page.
Personal Accounts
Associates Only*
Online Community Saver Account
An online community saver / notice account offers competitive returns while supporting your nominated local Anglican Parish or Agency.
| Base Interest Rate (p.a) | 4.25% |
|---|---|
| Bonus to nominated Parish / Agency | 0.50% |
Interest calculated daily and paid monthly. Bonus interest paid annually.
Access Account
| Balance | Interest Rate (p.a) |
|---|---|
| Up to $50,000 | 0.30% |
| Over $50,000 | 0.35% |
Interest is calculated daily and paid every 6 months in June & December.
Loans
| Account | Interest Rate (p.a) |
|---|---|
| Personal Loan | 9.00% |
| Housing Loan | 0.35% |
Interest is calculated daily and paid every 6 months in June & December.
Loan
Personal Loan
Interest Rate
9.00%
Housing Loan
Variable 5.00%
Fixed
1 year – 5.50%
2 year – 5.35%
3 year – 5.45%
Business Accounts
Parish | Schools | Agencies
Cash Management Account
| Base Interest Rate (p.a) | 3.40% |
|---|
Interest calculated daily and paid monthly.
Cheque Account
| Balance | Interest Rate (p.a) |
|---|---|
| Up to $100,000 | 0.15% |
| Over $100,000 | 0.20% |
Interest is calculated daily and paid every 6 months in June & December.
Access Account
| Balance | Interest Rate (p.a) |
|---|---|
| Up to $49,000 | 0.30% |
| Over $50,000 | 0.35% |
Interest is calculated daily and paid every 6 months in June & December.
Loans
Loan
Non-Housing Loan
Overdraft Facility
Interest Rate
7.05%
8.00%
Housing Loan
Variable 5.00%
Fixed
1 year – 5.50%
2 year – 5.35%
3 year – 5.45%
Term Investments
Interest rates for fixed-term investments are outline on the dedicated Term Investments page.
Breaking a Term Investment
As a result of regulatory changes which took effect from 1st January 2018, the AIDF requires customers to give 31 days notice when breaking a Term Investment during the agreed term, before they can access the funds. A penalty may also be charged. Immediate access to funds under circumstances of hardship will be considered by the AIDF in accordance with our Early Access to Funds policy.
*Associate Definition
- Person’s acting as trustees of the Anglican Church Property Trust.
- A member of clergy, employee or voluntary** staff members who work for a parish, ministry unit, diocesan agency or school of the Diocese.
- Trainee clergy who receives money or money’s worth.
**A voluntary staff member includes the following:
- A person who is a member of the governing body of the Diocese, a diocesan agency, school or ministry.
- A person who is a member of any committee established by the Diocese to further the work of the diocese.
- A person who works on a voluntary basis for at least 40-hours a calendar month in a business operated by a Parish or Diocesan Agency.
- A person who works on a voluntary basis for at least 40-hours a calendar month in a diocesan charitable program (eg. a program which assists vulnerable members of the community by providing support such as counselling and low or no cost food and other household products).