ADF Interest Rate Change – Effective 1 July 2025
As part of our ongoing commitment to responsible stewardship, we regularly assess interest rates to ensure a balance between our customers’ lending and investment needs—while remaining true to our core purpose of fuelling Catholic mission.
The ADF Board has recently approved a change in interest rates; which will result in a decrease of 0.25% in the ADF’s standard interest rates effective 1 July 2025.
The ADF’s new standard interest rates will be:
Standard Variable Loan Rate:
Standard Investment Rates:
Up to $499,999
$500,000 to $1,999,999
Over $2,000,000
5.95% p.a.
2.85% p.a.
3.05% p.a.
3.20% p.a.
As a Mission Fund, the ADF exists to make Catholic mission possible, sustainable, and impactful. A key part of this commitment is to provide certainty and stability to our customers. While future rate movements are uncertain, we remain committed to minimising the impact of market volatility where possible. This commitment is reflected in our current interest rates being consistent since 1 September 2023— despite fluctuations in the broader market, including increases and decreases to the RBA cash rate.
To support our customers with loans and continue to provide certainty, please note that it is ADF practice not to vary principal and interest loan repayments when interest rates change. As such, principal and interest rate loan repayments on existing loans will remain consistent at the current repayments levels.
If you have any questions or concerns, please do not hesitate to contact your ADF Relationship Manager or the Service Delivery Team.
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