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This could help co-operatives to grow... https://www.brokerdaily.au/economy/11339-mutuals-lift-io-rates-by-up-to-50-bps Mutuals lift IO rates by up to 50 bps - Broker Daily Aug 2, 2017 - A group of mutual banks has announced a raft of rate hikes to its interest-only offerings, with some loans hiked by 50 basis points. 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