AuSavingsPulse

IMB Bank Savings Account Rates

Credit union
www.imb.com.au ↗

IMB Bank is an Australian credit union offering savings accounts across several life stages. Its highest rate is available through the Zoo Account, designed for children aged 0 to 12, and requires a minimum $10 deposit and no withdrawals in the calendar month to earn a bonus rate on top of the base rate. The DIY Super Account pays a competitive rate with no bonus conditions. The Christmas Club Account is a forced-savings product: interest is paid only if you make no withdrawals between 1 January and 31 October, and any withdrawal in that window closes the account and forfeits the interest entirely — savings are then released for spending in November and December.

Deposits with IMB Bank are protected under the Financial Claims Scheme up to $250,000 per account holder per ADI.

Savings Accounts

3.25% p.a.
ongoing rate
Rate breakdown
Base rate: 0.00%
Bonus rate: + 3.25%
How to earn it

If there are any withdrawals between January 1 and October 31 the account will be closed and the bonus forfeited.

A withdrawal between 1 January and 31 October doesn't just drop you to a base rate for the month — it closes the account immediately and you forfeit all interest accrued since January. There's no partial payout or fallback rate.

Rate current since 29 May 2026.
3.20% p.a.
ongoing rate
Rate breakdown
Base rate: 0.00%
Bonus rate: + 3.20%
How to earn it

To earn bonus interest account holder must make a minimum $50 deposit and no withdrawals per month. If bonus interest criteria are not met for the calendar month, both the Standard Variable Bonus Interest and Introductory Fixed Bonus Interest Rate are forfeited.

Bonus rate applies on balances up to $1,000,000

Introductory rate
5.35% for 4 months

Then reverts to 3.20% ongoing rate.

Rate current since 29 May 2026.

Get alerted when IMB Bank changes their rate

We'll email you when any IMB Bank savings rate changes. No spam, unsubscribe any time.

The information on this page is general in nature and does not constitute financial advice. Rates are subject to change — verify directly with the provider before making a financial decision.

We use cookies for essential site functionality, analytics, and advertising. By continuing to use this site, you consent to our use of cookies. Privacy Policy.