As has been widely reported, the Reserve Bank of Australia decreased the official cash rate by 25bps at its August 2025 meeting, and as a result the AIDF Board has approved the updated lending and investment interest rates effective from 1 September 2025, which are outlined below and are also available here.

The AIDF rates remain commercially attractive compared to those offered within the broader banking sector. In addition, no account keeping or transaction fees apply to our savings and investments products. The AIDF Board continues to monitor RBA and market movements closely.

Please do not hesitate to contact Adam, Leila or Sarah at the AIDF directly if you have any questions about these interest rate adjustments.

Paul Brand

Chief Executive Officer

September 2025

INTEREST RATE ADJUSTMENTS

Term Investments

Months	3	6	9	12	18	24	36
Rates as of 1/09/25	3.20%	3.35%	3.50%	3.95%	3.40%	3.15%	2.65%
As at 1/06/25	3.50%	3.65%	4.00%	4.20%	3.50%	3.25%	2.75%

Saving and Investment Accounts

	Community Saver Account	Cash Management Account	Access Account (Transactional)	Cheque Account
Rates as of 1/09/25	4.00% + 0.50% donation	3.25%	unchanged	unchanged
As at 1/03/25	4.25% + 0.50% donation	3.75%	Up to $50k: 0.30% Over $50k: 0.35%	Up to $100k: 0.15% Over $100k: 0.20%

Non-Housing Loans
In response to the RBA cash rate increase, the AIDF is seeking to adjust Non-Housing Loan interest rates as of 1 September 2025 as follows:
– Standard Diocesan Rate which applies to Parishes, Diocesan Schools, the ACPT, and other Diocesan entities.
Decreased by 0.20% to 7.05%
– Master Asset Facility (MAFF)
Remains unchanged at 5.50%
– Overdraft Rate
Remains unchanged at 8.00%
– Personal Late Rate
Decreased by 0.25% to 9.00%

Home Loans

Rates as of 1 September 2025		1 Year	2 Year	3 Year
Variable	5.00%			
Fixed Rate		5.50%	5.35%	5.45%

As at 01/03/2025		1 Year	2 Year	3 Year
Variable	5.25%			
Fixed Rate		5.70%	5.60%	5.60%