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Term Deposit

Lock away your money safely and know exactly what your return will be with a fixed interest rate and a choice of terms

The important numbers

$1000 - $2000000 Deposit amount
Earn a standard rate based on the term selected
Bonus rates may be added, including an extra 0.10% p.a. for opening online2
$0 Set up fees
$0 Account-keeping fee

What you get

  • Choose a timeframe that suits your needs
  • Know exactly what your return will be with a fixed rate of return
  • If you’re an existing St.George customer you may be eligible for a bonus rate on top of our standard rates.
  • Deposits up to $250,000 are guaranteed by the Australian government.
  • To open a joint Term Deposit, or Term Deposit for a trust or self-managed super fund, please visit us in branch, or contact your Relationship Manager

4.98% p.a. special offer1

4.98% p.a. online offer comprises 4.88% p.a. special fixed rate offer for 8 months1, plus 0.10% p.a. online bonus rate2 for opening or renewing online. It’s available for a limited time to St.George personal and business customers who open or renew a $1,000-$5,000,000 Term Deposit after 28/01/2024. Interest paid monthly or at maturity. Terms and conditions apply.

Not yet a St.George customer? Please open in branch or call us.

Important information
 
1. Special Offer 
  • Existing St.George personal and sole trader customers taking up a Special Offer Term Deposit.
  • Opened, or renewed during the grace period, via Internet Banking, the App or by talking to us. Not available in Business Banking Online.
  • Not available for Financial Institutions or Government customers.
  • For renewing Term Deposits, customer-initiated instructions must be provided in the grace period.
  • We reserve the right to withdraw, amend or extend the offer at any time.
  • Rate and offer apply for a single term.
  • Higher or lower rates may apply for subsequent terms.
  • You must provide a minimum of 31 days’ notice to access funds prior to maturity (except in cases of hardship).
  • If the deposit or any part of it is withdrawn early, an interest rate adjustment will usually apply.

 
2. Online Bonus Offer 
  • Term Deposits opened or renewed during the grace period via Internet Banking or the App only. Not available in Business Banking Online.
  • The bonus offer will be applied in conjunction with any other rate offer that may apply.
  • Not available for customers who are not able to open or renew via Internet Banking (e.g., some joint accounts), business customers except sole traders or Term Deposits held as security.
  • For renewing Term Deposits, customer-initiated instructions must be provided in the grace period.
  • We reserve the right to withdraw, amend or extend the offer at any time.
  • Rate and offer apply for a single term.
  • Higher or lower rates may apply for subsequent terms.
  • You must provide a minimum of 31 days’ notice to access funds prior to maturity (except in cases of hardship).
  • If the deposit or any part of it is withdrawn early, an interest rate adjustment will usually apply.