RAC Finance investments offer an Australian dollar, fixed interest, fixed term investment with varying investment options.

Thinking of investing?

If you're looking to invest your money, consider an RAC Finance Investment. We offer a variety of fixed interest, fixed term investment options in Australian dollars.

RAC Finance accepts minimum investments of $5000 and a maximum amount of $400,000.

Investment rates and options

Term and Interest Rate

6 Months 1 Year 2 Years 3 Years 4 Years
Interest payment frequency Interest payment frequency Interest payment frequency Interest payment frequency Interest payment frequency
Monthly Returns
Monthly Returns - 2.70% 2.85% 2.90% 3.00%
3 Monthly Returns
3 Monthly Returns - 2.75% 2.90% 2.95% 3.05%
6 Monthly Returns
6 Monthly Returns 2.65% - - - -
12 Monthly Returns
12 Monthly Returns - 2.80% 2.95% 3.00% 3.10%

Interest payment method can be EFT or capitalisation* (*capitalisation is not available with monthly or 3 monthly interest frequency). Interest rates effective from 17 January 2019. Subject to change without notice.

How to apply?

Step 1

Confirm the current interest rates above.
Download and read the 
RAC Finance Prospectus 35 (PDF 590KB)

Step 2

Complete your application form on page 9 & 10 of the prospectus.

Step 3

Lodge your application either by:

Contact us

Or call RAC Finance on (08) 6150 6246 during WST business hours

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Financial Reports

Read more on our annual and quarterly reports


Continuous Disclosure

Investments issued by RAC Finance are not a bank deposit, are not guaranteed by RACWA Holdings Pty Ltd or the Royal Automobile Club of WA (Inc.) and carry risks including possible loss of some or all of the principal investment or interest. Details relating to investments issued by RAC Finance are contained in the RAC Finance prospectus which you should consider when making your decision whether to invest. Applications can only be made on the application forming part of the prospectus. Investments may only be made on the basis of an application form and prospectus which you should consider when deciding whether to invest. There is a risk that investors could lose some or all of their money. An investment in Secured Notes is not a bank deposit.