Fixed Term Deposits (Interest paid at maturity)
| Product | Balances less than $5,000 | Balances $5,000 < $1,000,000 |
|---|---|---|
| Special 5 month rate, $5,000 + | N/A | 4.00 Interest rate |
| Special 8 month rate, $5,000 + | N/A | 4.70 Interest rate |
| 3-5 month term | 3.30 Interest rate | 3.30 Interest rate |
| 6-11 month term | 3.60 Interest rate | 3.60 Interest rate |
| 12 month term | 4.50 Interest rate | 4.50 Interest rate |
| 2 year term | 4.00 Interest rate | 4.00 Interest rate |
| 3 year term | 4.00 Interest rate | 4.00 Interest rate |
| Fees | |
|---|---|
| Monthly fee | $0 |
| Early redemption fee | Calculated as follows: Withdrawal Amount x (Early Redemption Rate of 2.00%) x (days invested/365) |
Fixed Term Deposits (Interest paid monthly)
| Product | Balances less than $5,000 | Balances $5,000 < $1,000,000 |
|---|---|---|
| 3-5 month term | 3.30 Interest rate | 3.30 Interest rate |
| 6-11 month term | 3.60 Interest rate | 3.60 Interest rate |
| 12 month term | 4.40 Interest rate | 4.40 Interest rate |
| 2 year term | 3.90 Interest rate | 3.90 Interest rate |
| 3 year term | 3.90 Interest rate | 3.90 Interest rate |
| Fees | |
|---|---|
| Monthly fee | $0 |
| Early redemption fee | Calculated as follows: Withdrawal Amount x (Early Redemption Rate of 2.00%) x (days invested/365) |
Fixed Term Deposits (Interest paid annually)
| Product | 2 year term | 3 year term |
|---|---|---|
| $1,000 < $5,000 | 4.00 Interest rate | 4.00 Interest rate |
| $5,000 < $20,000 | 4.00 Interest rate | 4.00 Interest rate |
| $20,000 < $50,000 | 4.00 Interest rate | 4.00 Interest rate |
| $50,000 < $1,000,000 | 4.00 Interest rate | 4.00 Interest rate |
| Fees | |
|---|---|
| Monthly fee | $0 |
| Early redemption fee | Calculated as follows: Withdrawal Amount x (Early Redemption Rate of 2.00%) x (days invested/365) |
Information you need to know
All interest rates quoted are per annum and are calculated on a tiered basis with interest paid on the entire balance at the applicable tiered interest rate.
If you choose to withdraw whole or part of the balance of a Term Deposit prior to maturity an early redemption fee may apply. If you wish to add to your term deposit, you can only do so on the maturity date and at the time of reinvestment.
Please be aware that interest rates may change at any time prior to an agreement being entered into.
Before acquiring this product please refer to the Financial Service Guide; Target Market Determination; Account and Access Facility Conditions of Use; Fees and Charges brochure; Personal and Savings Transaction Accounts brochure and Deposit Interest Rates Schedules to determine if the product is right for you.
Rates and fees effective: 12th March 2026