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Term Deposit

Effective Date: 18 August 2025

 Investment Term  Interest Payment Frequency $1000 to $499,999 $500,000-$1,000,000
1 month at maturity 0.95% p.a. 1.00% p.a.
2 months  at maturity 1.45% p.a. 1.50% p.a.
3 months  at maturity 3.60% p.a. 3.65% p.a.
4 months at maturity 2.95% p.a. 3.00% p.a.
5 months at maturity 2.95% p.a. 3.00% p.a.
6 months at maturity 3.95% p.a. 3.95% p.a.
7 months at maturity 2.95% p.a. 3.00% p.a.
8 months at maturity 2.95% p.a. 3.00% p.a.
9 months at maturity 3.45% p.a. 3.50% p.a.
10 months at maturity 2.95% p.a. 3.00% p.a.
11 months at maturity 2.95% p.a. 3.00% p.a.
12 months monthly 3.55% p.a. 3.60% p.a.
12 months quarterly 3.55% p.a. 3.60% p.a.
12 months half yearly 3.60% p.a. 3.65% p.a.
12 months at maturity 3.65% p.a. 3.70% p.a.
24 months monthly 3.20% p.a. 3.20% p.a.
24 months quarterly 3.20% p.a. 3.20% p.a.
24 months half yearly 3.25% p.a. 3.25% p.a.
24 months annually 3.30% p.a. 3.30% p.a.
36 months monthly 3.40% p.a. 3.40% p.a.
36 months quarterly 3.40% p.a. 3.40% p.a.
36 months half yearly  3.45% p.a. 3.45% p.a.
36 months annually 3.50% p.a. 3.50% p.a.  

 


 

  • 1 Interest on Term Deposits is calculated by applying the daily percentage rate to the account balance and paid at intervals as specified in the tables above. The daily percentage rate is the applicable annual percentage rate divided by 365. We may allow you to break your Term Deposit before the Maturity Date, subject to you first providing us with a valid request in writing no less than 31 calendar days’ prior, unless financial hardship applies. If we allow you to access your term deposit funds before maturity, an interest rate reduction will apply. The amount of interest charged as an interest rate adjustment will depend on how early in the term you seek to access your funds. Percentage of term lapsed: 0% to less than 20% - Interest rate reduction 90% of your deposit rate 20% to less than 40% - Interest rate reduction 80% of your deposit rate, 40% to less than 60% - Interest rate reduction 60% of your deposit rate, 60% to less than 80% - Interest rate reduction 40% of your deposit rate 80% to less than 100% - Interest rate reduction 20% of your deposit rate

This is Part 3 – Deposit Interest Rate Schedule of the Product Disclosure Statement (PDS). It must be read in conjunction with:
Part 1 - Key Features and Terms and Conditions and Part 2 - Schedule of Fees and Charges and Transaction Limits.
You should consider the PDS in its entirety in deciding to acquire, or continue to hold any of the products the subject of the PDS.