Bank Accounts

Term Deposit

With a St.George Term Deposit you can invest your money safely and know exactly what your return will be.

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Renew online

Choose your own timeframe and enjoy the certainty of fixed rates

Your savings are secure
The Government’s Financial Claims Scheme guarantees deposits to a cap of $250,000 per account holder*. More info.
Bonus rates
If you’re an existing St.George customer you may be eligible for a bonus rate on top of our standard rates.
Great for impulse control
Avoid the temptation to dip into your savings by locking away your savings for a fixed term.
Start small
You can open a Term Deposit with as little as $1,000.

* A St.George Term Deposit is a “protected account” under the Australian Government’s Financial Claims Scheme (FCS).  Payments under the FCS are subject to a limit for each depositor.


Choose a rate and term


If you’re an existing St.George customer you may be eligible for a bonus rate on top of our standard rates. In the past you may have needed to go into a branch or give us a call – now you can see any bonus rates you’re eligible for simply by logging into Internet Banking.
 
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Renew your Term Deposit online

You can now renew your Term Deposit online – there’s no need to give us a call or visit a branch. When your Term Deposit matures, you have 14 days to make any changes such as withdrawing your money or reinvesting for a new term.

You can choose to reinvest, add or withdraw money or change how your interest gets paid. You’ll also be able to see if you’re eligible for a bonus rate on top of our standard rates.
 

See my renewal options Find out more

Featured rates

  • 0.10% p.a. for 3 months with interest paid at maturity
  • 0.20% p.a. for 6 months with interest paid at maturity
  • 0.25% p.a. for 24 months with interest paid annually

Open a Term Deposit with as little as $1000. Our Term Deposits have no set up or monthly fees.
Rates available on balances between $1000 and $2000000.

View all Term Deposit Interest Rates
 

You could be eligible for a bonus rate on top of our standard rates
 

In the past our bankers may have helped you get a bonus rate in branch or over the phone. Now you can find out if you’re eligible for bonus rates by logging into Internet Banking.
 

Logon to check rates

A term deposit lets you lock away your money for a set period of time (term). If you need your funds earlier, you must give 31 days’ notice and an interest rate adjustment will normally apply.

Please read the detailed terms and conditions (PDF 218KB) before making a decision.

 

Did you know you can now open your Term Deposit online?

When you open a Term Deposit online you’ll get access to the same rates as you would in branch. Simply logon to Internet Banking to find a rate that’s right for you. If you’re an existing St.George customer, you could also be eligible for a bonus rate on top of our standard rates.
Convenient
Save time and open where you want, when you want. 
Secure
St.George guarantees your Internet Banking security with St.George Secure.
Make tax time easy
Find all your documents to download in one place.

Existing customers

Find out instantly if you’re eligible for a bonus rate

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New to St.George

Open in minutes

Choose rate and term

Renewing soon?

Convenient and secure online renewal

Find out how

Need flexibility to access your savings?

Maxi Saver

Straight forward savings

Incentive Saver

Focussed savings