• Bank Accounts

Term Deposits

Enjoy the certainty of knowing your investment return

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Open now Renew online now
Open a new Term Deposit in just 5 minutes.

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Term Deposits come with the following features

Certainty of return

Certainty of return on your investment1

Competitive rate

Earn a competitive interest rate

Fees

No setup or monthly fees

 

Why open a Term Deposit?

St.George Term Deposits give you the certainty of a fixed interest rate along with a choice of terms.
 

Enjoy the certainty of knowing your investment return
  • Earn 2.55% p.a. for 12 months on balances between $1,000 and $250,000 with interest paid at maturity1
  • Interest is calculated daily and can be paid at maturity, annually, half yearly or monthly
  • Flexible term options from one month to five years
  • Calculate earning with a Term Deposit
  • Calculator and graph Term Deposit earnings

 

 

 

Interest rates

What you should know.

Interest paid at maturity
  $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
1 to less than 2 months 1.50% p.a. 1.50% p.a. 1.50% p.a. 1.50% p.a. 1.50% p.a.
2 to less than 3 months 1.75% p.a. 1.75% p.a. 1.75% p.a. 1.75% p.a. 1.75% p.a.
3 to less than 4 months 2.10% p.a. 2.10% p.a. 2.10% p.a. 2.10% p.a. 2.10% p.a.
4 to less than 5 months 1.85% p.a. 1.85% p.a. 1.85% p.a. 1.85% p.a. 1.85% p.a.
5 to less than 6 months 1.85% p.a. 1.85% p.a. 1.85% p.a. 1.85% p.a. 1.85% p.a.
6 to less than 7 months 2.20% p.a. 2.20% p.a.. 2.20% p.a. 2.20% p.a. 2.20% p.a.
7 to less than 8 months 1.90% p.a. 1.90% p.a. 1.90% p.a. 1.90% p.a. 1.90% p.a.
8 to less than 9 months 1.90% p.a. 1.90% p.a. 1.90% p.a. 1.90% p.a. 1.90% p.a.
9 to less than 10 months 1.90% p.a. 1.90% p.a. 1.90% p.a. 1.90% p.a. 1.90% p.a.
10 to less than 11 months 1.90% p.a. 1.90% p.a. 1.90% p.a. 1.90% p.a. 1.90% p.a.
11 to less than 12 months 1.90% p.a. 1.90% p.a. 1.90% p.a. 1.90% p.a. 1.90% p.a.
12 months 2.55% p.a. 2.55% p.a. 2.55% p.a. 2.55% p.a. 2.55% p.a.
Interest paid annually
  $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
24 to less than 36 months 2.60% p.a. 2.60% p.a. 2.60% p.a. 2.60% p.a. 2.60% p.a.
36 to less than 48 months 2.60% p.a. 2.60% p.a. 2.60% p.a. 2.60% p.a. 2.60% p.a.
48 to less than 60 months 2.70% p.a. 2.70% p.a. 2.70% p.a. 2.70% p.a. 2.70% p.a.
60 months 2.95% p.a. 2.95% p.a. 2.95% p.a. 2.95% p.a. 2.95% p.a.
Interest paid half yearly
  $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
12 to less than 24 months 2.50% p.a. 2.50% p.a. 2.50% p.a. 2.50% p.a. 2.50% p.a.
24 to less than 36 months 2.55% p.a. 2.55% p.a. 2.55% p.a. 2.55% p.a. 2.55% p.a.
36 to less than 48 months 2.55% p.a. 2.55% p.a. 2.55% p.a. 2.55% p.a. 2.55% p.a.
48 to less than 60 months 2.65% p.a. 2.65% p.a. 2.65% p.a. 2.65% p.a. 2.65% p.a.
60 months 2.90% p.a. 2.90% p.a. 2.90% p.a. 2.90% p.a. 2.90% p.a.
Interest paid monthly
  $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
6 to less than 7 months 2.15% p.a. 2.15% p.a. 2.15% p.a. 2.15% p.a. 2.15% p.a.
7 to less than 8 months 1.85% p.a. 1.85% p.a. 1.85% p.a. 1.85% p.a. 1.85% p.a.
8 to less than 9 months 1.85% p.a. 1.85% p.a. 1.85% p.a. 1.85% p.a. 1.85% p.a.
9 to less than 10 months 1.85% p.a. 1.85% p.a. 1.85% p.a. 1.85% p.a. 1.85% p.a.
10 to less than 11 months 1.85% p.a. 1.85% p.a. 1.85% p.a. 1.85% p.a. 1.85% p.a.
11 to less than 12 months 1.85% p.a. 1.85% p.a. 1.85% p.a. 1.85% p.a. 1.85% p.a.
12 to less than 24 months 2.50% p.a. 2.50% p.a. 2.50% p.a. 2.50% p.a. 2.50% p.a.
24 to less than 36 months 2.55% p.a. 2.55% p.a. 2.55% p.a. 2.55% p.a. 2.55% p.a.
36 to less than 48 months 2.55% p.a. 2.55% p.a. 2.55% p.a. 2.55% p.a. 2.55% p.a.
48 to less than 60 months 2.65% p.a. 2.65% p.a. 2.65% p.a. 2.65% p.a. 2.65% p.a.
60 months 2.90% p.a. 2.90% p.a. 2.90% p.a. 2.90% p.a. 2.90% p.a.

 

 

Frequently asked questions

 

 

How to apply

It only takes 5 minutes
Open now

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

 

 

How to renew

There are 3 steps to renewing your St.George Term Deposit online:

Step 1

Logon to Internet Banking

Step 2

Select 'Renew now' from the 'My Accounts' page

(Please note, the renew now link will only be available when your Term Deposit is in its grace period)

Step 3

Choose renewal options and confirm your details

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

Important information

Information is current as at 08/02/2017.

Conditions apply.

Find out what information you need to provide to become a customer.

1. Early withdrawal may reduce returns. 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 and Important Information Document for more details.

If the rate applying to your term deposit is a special or standard rate and your term deposit rolls over automatically, it may be automatically re-invested at a lower rate than the initial rate (including any initial special rate).

More on Term Deposits

St.George Term Deposits are covered by the Australian Government Deposit Guarantee, capped at $250,000 per Westpac account holder.

Rates exclude corporate, institutional and government customers. Minimum balance of $1,000, maximum balance of $250,000.

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

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.

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