• 4.25%p.a. on all balances up to $5000.
• Deposit a minimum of $2000 per month (e.g. salary).
•  No maintenance or transaction fees*.
• All the usual features you'd expect from an everyday account including MasterCard Debit Card access, a cheque book and online/phone banking.
• Unlimited transactions. 

*Other bank and overseas ATM access fees and foreign transaction fees may apply. 

Visit bankwest.com.au/HeroTran

Make the most of your investment opportunities with directshares.

Open a new directshares account before 1 December and receive up to 25 free trades.^*  It's free to join.

Whether you’re a beginner to the share market or an experienced trader, you'll benefit from a range of comprehensive research and market leading trading tools that give you the power to control your investments online.

• Value for money & Superior trading tool. You'll be surprised how much is at your fingertips.
• Borrow to invest. Linkyour directshares account to an award-winning St.George Margin Loan and enjoy real time account monitoring of your margin loan via directshares automatic settlement of transcations and real-time portfolio valuations.

Click here to open an account.

Would a new car today make you happy?

• No ongoing fees
• Weekly, fortnightly or monthly repayments
• Spread repayments over 3-7 years
• Access funds 24/7 with online banking
• $150 application fee
• Minimum $10K - no maximum
• Proof of income, outgoings and credit history required

Call 1300 559 811 or visit bankwest.com.au/carLoan

Important things you should know: Lending criteria, fees and charges apply. Terms and conditions apply and are available on request. Comparison rate based on a secured personal loan of $10,000 over 3 years as at 3 May 2008, and is subject to change. A comparison rate schedule is available at bankwest.com.au or from any BankWest branch. Warning: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees, early repayment fees, and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. Bank of Western Australia Ltd. ABN 22 050 494 454 AFSL 236872, a member of the HBOS Australia group.

Macquarie Bank Visa RateSaver Card

Macquarie shakes up the Low Rate Credit Card market with this new offer:

• Low on-going 11.95%p.a. on purchases
• 0%^* interest on balances transferred from other credit cards for the first 4 months^{^}
• Low annual fee - just $50
• Up to 55 days interest free on purchases

Approval is subject to Macquarie Card Services credit criteria. Terms and conditions, fees and charges apply and are available upon request. Allow up to 10 working days to process your application. Interest rates are variable, currently 11.95%p.a. on purchases and 18.95%p.a. on cash advances, subject to change and Macquarie Card Services credit criteria.
^* The 0% p.a. interest rate applies only to balances transferred with this offer from the date the account is approved. Minimum repayments are required. ^{^} Transferred balances will be repaid first. Discounted interest rate applies to the balance transferred for the first 4 months from the date your account is approved, and then reverts to the standard variable rate applicable for purchases which is subject to change.

Hot Term Deposit Special

6.20% p.a. 
2 month Term Deposit
Min. $20,000

Invest with the safety and security of one of Australia's largest Building Societies.

- Over 60 years experience 
- 65 Branches throughout NSW and SE QLD 
- A BRW top 200 privately owned Australian Company.

These rates are current as at the Effective Date and are subject to change by the Society without further notice.

Conditions apply.  Refer to our Terms and Conditions for more information.

Greater Building Society Ltd | ABN: 88 087 651 956 | AFS Licence No: 237476

GOLD TERM DEPOSIT

What'll it take to shift you?

6.40%^*pa
Term Deposit
for 3 months
on $5,000 or more

One of the hottest Term Deposit rates around.
Act quick call 13 14 22 or visit your local branch today.

^*Based on amounts of $5,000 or more, over a period of 3 months. Early withdrawal fees apply.Interest paid at maturity. Please consider our fees and charges and terms and conditions booklets (available by phoning 13 14 22 or at www.heritage.com.au) before you decide whether this product is right for you. Information correct as at 18 November 2008. Heritage Building Society Limited ABN 32 087 652 024 AFS Licence No. 240984

  Premier Investment Account ‘Special Rate’

6.55% p.a.
4 months
$5,000 to less than $1,000,000 deposit

 
For rates for other amounts and terms visit your local branch, call us on 1300 55 72 72 or visit our website.

Interest rates are effective 12 November 2008. Interest rates are subject to change without notice. Interest rates shown are for end of term. This product is issued by Bank of Queensland Limited ABN 32 009 656 740. The current terms and conditions for this product are available at any Bank of Queensland branch. Before making a decision, you should consider whether or not this product is appropriate for you. Any advice provided has been prepared without taking account of your objectives, financial circumstances or needs. For more information visit boq.com.au.

• MyRate Advantage Loan – 6.99% p.a. (>$600K)
• MyRate Advantage Loan – 7.03% p.a. (<$600K)
• MyRate Lo-Doc Loan – 7.75% p.a.
• MyRate All in One Line of Credit – 7.50% p.a.

 AND 

Come into a branch to open or call 1300 654 159.