Term Deposit Calculator

Use our calculator to explore how interest works for a term deposit. 


 

Special Offer

Up to 5.00% p.a. online offer for 11 months

How your interest adds up:

  • 4.80% p.a. Fixed Rate Special Offer1 Term Deposit for a Term of 11 months

  • PLUS, an additional 0.20% p.a. online bonus offer2 when you open or renew online

 

Up to 4.90% p.a. online offer for 8 months

How your interest adds up:

  • 4.70 p.a. Fixed Rate Special Offer1 Term Deposit for Terms of 8 months​

  • PLUS, an additional 0.20% p.a. online bonus offer2 when you open or renew online

Term and Conditions
Open an account Renew an account

Offers available from 4/12/2024 on Term Deposits opened or renewed by existing St.George personal or business customers. Available on deposits of $1,000-$5,000,000 with interest paid monthly or at maturity depending on term. T&Cs Apply.

 

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.
 

Not yet a St.George customer? Please contact a St.George Branch.

Popular Term Deposits

  • 3.25% p.a. for 3 months with interest paid at maturity
  • 3.60% p.a. for 6 months with interest paid at maturity
  • 3.80% p.a. for 24 months with interest paid annually
  • Add 0.20% p.a. to these rates if you're already with St.George and opening or renewing online.2
  • Logon to check for any higher bonus rates you may qualify for.

 

Open a Term Deposit with as little as $1000 and pay no set up or monthly fees. Rates featured are available on deposits of up to $2000000.

See all our Term Deposit interest rates.

FAQs

A tool that helps estimate your returns from a term deposit based on your deposit amount, interest rate, and term length.



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Important information
Before making a decision about any of our products or services, please read all the terms and conditions and consider whether the product or service is right for you. Fees and charges apply and may change. 

Term Deposits Terms and Conditions and General Information (PDF 4MB) 
Internet Banking and Phone Banking Terms and Conditions (PDF 708KB)


Term Deposit Calculator
This calculator should be used as a guide only and shouldn't be relied on for making a decision in relation to renew or open a term deposit as you should consider whether the product features suit your needs. The interest calculations on this calculator are not saving recommendations but are monthly estimates only of how much could be saved based on the information provided. This calculator doesn't take into account the impact of fees and charges, tax on interest earned, changes to interest rate  or closing your account before the end of term. Calculations don't take into account all of your relevant personal circumstances and you should consider whether a term deposit is appropriate for you. If you need assistance, obtain advice from a banker or financial adviser.

How this calculator works
This is a simple interest calculator. Results vary from the actual interest earned on <brand> products due to differences in the calculation methods used.

Calculator assumptions and method
Each calculation starts on the first day of the current month and assumes the initial deposit is made on the first day of the month and assumes the account is not closed before maturity. Interest is calculated daily. The calculator allows interest payment at maturity. Total amounts (including interest earned) are rounded to the nearest cent.

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.