The interest spread is defined as the difference between the average interest rate received on interest - earning assets less the average interest rate paid on all deposits. (rba.gov.au)
The downward trend in recent years reflects a larger fall in the average interest rate received by banks than in the average interest rate paid. (rba.gov.au)
The specific interest rate you receive will depend on what the interest rates are for your current loans. (studentloans.net)