Where to find current rates and how they are calculated

Browse products

Click Browse products on the Treasury or Accounts page. Every product shows its current rate, its currency, and how quickly you can withdraw. Click a product for the full details and documents, or select up to five and click compare.

• Macquarie CMA and Accelerator shows the rate as "Up to" a figure. That is the top Accelerator tier. Open the product to see the Rate tiers table: the CMA rate, then each Accelerator balance band. Rates are variable and Macquarie changes them with the cash rate.

• Money market funds show the fund's recent annualised yield, net of the fund manager's fees. We update these every day from the fund manager's published figures. The Performance tab on a fund account shows 1 month, 3 month and 1 year returns.

• Term deposits show the best rate for each term across ANZ, NAB, Macquarie, Judo and Rabobank. These are indicative. The rate is fixed when the deposit is booked, and Primary Operations confirms it with you before booking.

Primary's own fee is not deducted from any rate shown. It is calculated daily on the balances you hold in yield products and billed on your monthly statement. Your fee rate is in your agreement.

On your accounts

Each account page shows an Effective rate. For the Macquarie Accelerator this is the blended rate across the tiers your balance falls into. Hover over it to see the tiers. For a term deposit it is the fixed rate you locked in. The Performance tab shows, month by month, the yield accrued, the yield paid and the rate that applied.

The Overview page shows your Annualised rate, which is the balance weighted rate across all your yield accounts, and how much yield you earned last month.

Why the rate on a fund moves

Money market fund yields move daily with short term interest rates. The figure shown is a recent annualised yield, not a promise. For the State Street Floating Rate Fund the monthly return has two parts, the distribution and the change in unit price, so a single month can look higher or lower than the headline rate. A three month view is a better guide. See Understanding your statements and yield.