# Term Deposits

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**5 minutes.**

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Term Deposits come with the following features

**Certainty of return**

Certainty of return on your investment^{1}

**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.

- Earn % p.a. for 12 months on balances between $1,000 and $5,000,000 with interest paid at maturity
^{1} - 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

$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 | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

2 to less than 3 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

3 to less than 4 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

4 to less than 5 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

5 to less than 6 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

6 to less than 7 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

7 to less than 8 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

8 to less than 9 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

9 to less than 10 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

10 to less than 11 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

11 to less than 12 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

12 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

$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 | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

36 to less than 48 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

48 to less than 60 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

60 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

$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 | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

24 to less than 36 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

36 to less than 48 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

48 to less than 60 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

60 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

$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 | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

7 to less than 8 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

8 to less than 9 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

9 to less than 10 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

10 to less than 11 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

11 to less than 12 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

12 to less than 24 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

24 to less than 36 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

36 to less than 48 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

48 to less than 60 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

60 months | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. | % p.a. |

### How to apply

**5 minutes**

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

#### 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 08/08/2016.

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.

- Term Deposits Terms and Conditions and General Information
- Online Banking Terms and Conditions
- Important Information Document
- Term Deposits interest rates for NSW, ACT, NT, SA & TAS
- Term Deposits interest rates for VIC
- Term Deposits interest rates for QLD & WA

Rates exclude corporate, institutional and government customers. Minimum balance of $1,000, maximum balance of $5,000,000.

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.

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