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Interest rates

The following information is current from 1 August 2025 and is subject to change.

Pacific Savings Account

Amount	Interest rate
VT0 - VT4999	0.00% p.a.
VT5000+	0.15% p.a*

*Interest is earned when you have an end of day account balance of VT5,000 or more. The account balance used on non-business days is the account balance for the previous business day.

Priority Cash Management

Amount	Interest rate
VT0 - VT249,999	0.05% p.a.
VT250,000 - VT499,999	0.05% p.a.
VT500,000 - VT749,999	0.05% p.a.
VT750,000+	0.05% p.a.

*Interest is calculated based on your end of day account balance. The account balance used on non-business days is the account balance for the previous business day.

Note: This product is no longer available to new customers.

Term deposits

Amount	Interest rate (VT150,000 - VT20,000,000)
1 month / 2 months ( 30 - 89 days)*	0.05% p.a.
3 months (90 - 179 days)	0.20% p.a.
6 months (180 - 364 days)	0.20% p.a.
12 months ( 365 - 729 days)	0.25% p.a.

Term deposit interest rates are available for Retail Banking customers. For interest rates on term deposits in excess of VT20,000,000 or outside of the above terms, please contact us.

All interest rates are subject to change. ANZ terms and conditions and fees apply. For further information, please talk to one of our branch staff.

*Note: This product is no longer available for new customers.

Home loans

ANZ lending criteria, terms, conditions and fees apply. You should seek confirmation of interest rates from ANZ before taking out any loan.

Type	Interest rate*
ANZ Variable Home Loan rate	7.95% p.a.
ANZ Variable Residential Investment Property Loan rate	10.45% p.a.

* An additional margin may be applied after a credit risk assessment has been completed on a loan application.

Personal loans

ANZ lending criteria, terms, conditions and fees apply. You should seek confirmation of interest rates from ANZ before taking out any loan.

Type	Interest rate*
Secured	16.40% p.a.
Unsecured	21.40% p.a.

* An additional margin may be applied after a credit risk assessment has been completed on a loan application.

Important information

Ask at any ANZ branch for our Fees and Charges for all Vanuatu products and services.

All interest rates are on a per annum basis. All amounts are in Vanuatu Vatu.

The provision of products and services is subject to the laws and regulations of Vanuatu and ANZ's banking licence in Vanuatu.