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Fixed Term Deposit

Get what you expect on your savings with a Term Deposit

  • Earn  p.a. for 6 months on balances between $1,000 and $5,000,000 with interest paid at maturity1
  • Get a guaranteed return with no set-up or monthly service fees1
  • Invest for a set term so you won’t be tempted to use your savings
  • Suitable for DIY Super / Self Managed Super Funds and business customers.

Reinvest Open now

 

 

Secure cash investment

  • Invest your cash securely and get a guaranteed return1
  • Calculate what you could earn

Competitive interest rates

  • Earn competitive rates for a term that suits your needs – from 1 month to 5 years
  • Interest is calculated daily on the full account balance, and varies according to the term

Special offers

Apply online

  • Use BPAY® to fund your opening deposit when you apply

Minimum investment

  • $1,000 minimum investment for a minimum term of 1 month

Automatic renewal on maturity

  • Your options at maturity include automatic re-investment, closing the account or changing account details.

Fixed Term Deposits interest rates for NSW, ACT, NT, SA & TAS.

Interest paid at maturity. Interest rates are % per annum.

  $1,000 to less than $5,000 $5,000 to less than $20,000 $20,000 to less than $50,000 $50,000 to less than $100,000 $100,000 to less than $250,000 $250,000 to less than $5,000,000
1 to less than 2 months            
2 to less than 3 months            
3 to less than 4 months            
4 to less than 5 months            
5 to less than 6 months            
6 to less than 7 months            
7 to less than 8 months            
8 to less than 9 months            
9 to less than 10 months            
10 to less than 11 months            
11 to less than 12 months            
12 months            

Interest paid annually. Interest rates are % per annum.

  $1,000 to less than $5,000 $5,000 to less than $20,000 $20,000 to less than $50,000 $50,000 to less than $100,000 $100,000 to less than $250,000 $250,000 to less than $5,000,000
24 to less than 36 months            
36 to less than 48 months            
48 to less than 60 months            
60 months              

  Interest paid half yearly. Interest rates are % per annum.

  $1,000 to less than $5,000 $5,000 to less than $20,000 $20,000 to less than $50,000 $50,000 to less than $100,000 $100,000 to less than $250,000 $250,000 to less than $5,000,000
12 to less than 24 months            
24 to less than 36 months            
36 to less than 48 months            
48 to less than 60 months            
60 months              

Interest paid monthly. Interest rates are % per annum.

  $1,000 to less than $5,000 $5,000 to less than $20,000 $20,000 to less than $50,000 $50,000 to less than $100,000 $100,000 to less than $250,000 $250,000 to less than $5,000,000
6 to less than 7 months            
7 to less than 8 months            
8 to less than 9 months            
9 to less than 10 months            
10 to less than 11 months            
11 to less than 12 months            
12 to less than 24 months            
24 to less than 36 months            
36 to less than 48 months            
48 to less than 60 months            
60 months              

Access to your Term Deposit

Term Deposits work best as an investment strategy when you're prepared to invest your money for a Fixed Term. It's an investment that rewards you for not making withdrawals while earning a great competitive rate.

Deposits

  • Fund your opening balance using BPAY®, whether you've opened your Term Deposit online, over the phone or in branch
  • When re-investing your Term Deposit at maturity, use BPAY® to add extra funds

Withdrawals

  • You can withdraw or reinvest the balance of your account when the term ends
  • If you wish to withdraw funds prior to maturity, you must provide a minimum 31 days’ notice from 01/01/2015 (except in cases of hardship). Interest rate adjustments will normally apply where funds are withdrawn prior to maturity. See our Terms and Conditions for more details.

View your Term Deposit details 24/7 2

  • With Internet and Phone Banking.
  • Via Mobile Banking on your smart phone go to m.stgeorge.com.au or find it under “Open a Term Deposit” in the main menu.

3 easy options when your investment matures

Term Deposit Reinvestment options

To Reinvest a Term Deposit via Internet Banking please follow these steps:

  1. Logon to Internet Banking
  2. From the 'My Accounts' page select the ‘Renew now' link. (Please note, the renew now link will only be available when your Term Deposit is in its grace period)
  3. Choose renewal options and complete the online form
  4. You will be presented with a confirmation screen to ensure that all the information provided is correct and accurate.

You can also reinvest a term deposit at any St.George branch during business hours or by calling us on 13 33 30.

What could you earn?

Apply online

  • Apply now
  • OR

    Open an account anywhere, anytime via your smart phone. Simply chose one of the following options:

    • go to the St.George App and select “Open an account"
    • visit m.stgeorge.com.au and select “Products”
    • logon to the St.George Mobile Banking and tap the "New accounts" tab

Call us

13 33 30 and say "New account" when prompted

Visit a branch

Find your nearest branch

What you'll need

  • Contact details (address, phone number, email address)
  • Tax File Number for customers new to St.George

Tips

  • You can fund your Opening Deposit within 3 business days by BPAY® whether you've opened your Term Deposit online, over the phone or at a St.George branch
  • You need a minimum amount of $1,000 and a minimum 1 month term to open a Term Deposit. The maximum balance is $5 million. 
  • Calculate what you could earn by investing in a Term Deposit
  • Calculate and graph your earnings including interest
  • New to St.George? To open a bank account in Australia, you'll need to confirm your identification

Important information

Conditions apply.

Special rates will apply for a single term. Standard Term Deposit rates may apply for any subsequent term. Special rates are not available for corporate, institutional or government customers. 

Before making a decision, it's best to read the terms and conditions and important information document

Please read these documents and keep a copy. You can request a paper copy at a branch or by post.

The advice on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it’s right for you. If you need help, call 13 33 30.

BPAY® Registered to BPAY Pty Ltd ABN 89 079 137 518 

1 Following lodgement of the minimum balance requirement, the rate is guaranteed for the term of the investment, subject to terms and conditions (e.g. returns may be reduced if an amount is withdrawn on a minimum 31 days’ notice prior to maturity).
2 Subject to systems availability.