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Interest Rates & Monetary Policy

Historical and current interest rate data affecting investment decisions

RBA Cash Rate

3.6000%

Current Rate
+0.25% from last month
Division 7A Rate

8.27%

Benchmark Rate
Updated quarterly
10-Year Bond Yield

4.12%

Government Bonds
Risk-free rate
RBA Cash Rate History

Track the Reserve Bank of Australia's official cash rate changes over time.

Interest Rate Trend Chart

Interactive chart showing RBA cash rate history

Recent Changes
Date Rate Change Reason
Dec 2024 4.35% +0.25% Inflation concerns
Nov 2024 4.10% +0.25% Economic growth
Oct 2024 3.85% +0.25% Housing market
Division 7A Rate

The benchmark rate for Division 7A loans from companies to shareholders.

Current Rate: 8.27%
Effective from 1 October 2024
Previous Rate: 8.00%
1 July - 30 September 2024
Note: Division 7A rates are updated quarterly and apply to loans made by private companies to shareholders.
Impact on Investments
Higher Interest Rates:
  • Better returns on cash
  • Higher borrowing costs
  • Property price pressure
Lower Interest Rates:
  • Lower cash returns
  • Cheaper borrowing
  • Asset price support
Economic Indicators
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