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Term Deposits

Get what you expect on your savings with a Term Deposit

  • Earn  p.a. for 5 months on balances between $5,000 and $5,000,000 with interest paid at maturity1
  • Get a guaranteed return with no set-up or monthly service fees1
  • Invest for a set term so you won’t be tempted to use your savings
  • See all special offers
  • Suitable for DIY Super / Self Managed Super Funds and business customers
Reinvest Apply now

 

Secure cash investment

  • Invest your cash securely and get a guaranteed return1
  • Calculate what you could earn

Competitive interest rates

  • Earn competitive rates for a term that suits your needs – from 1 month to 5 years
  • Interest is calculated daily on the full account balance, and varies according to the term

Special offers

 

Apply online

  • Use BPAY® to fund your opening deposit when you apply

Minimum investment

  • $1,000 minimum investment for a minimum term of 1 month

Automatic renewal on maturity

  • Your options at maturity include automatic re-investment, closing the account or changing account details.

Interest paid at maturity. Interest rates are % per annum.

  $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            
2 to less than 3 months            
3 to less than 4 months            
4 to less than 5 months            
5 to less than 6 months            
6 to less than 7 months            
7 to less than 8 months            
8 to less than 9 months            
9 to less than 10 months            
10 to less than 11 months            
11 to less than 12 months            
12 months (excludes VIC)             

Interest paid annually. Interest rates are % per annum.

  $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            
36 to less than 48 months            
48 to less than 60 months (excludes VIC)            
60 months              

  Interest paid half yearly. Interest rates are % per annum.

  $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 (excludes VIC)            
24 to less than 36 months            
36 to less than 48 months            
48 to less than 60 months            
60 months              

Interest paid monthly. Interest rates are % per annum.

  $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            
7 to less than 8 months            
8 to less than 9 months            
9 to less than 10 months            
10 to less than 11 months            
11 to less than 12 months            
12 to less than 24 months (excludes VIC)            
24 to less than 36 months            
36 to less than 48 months            
48 to less than 60 months (excludes VIC)            
60 months              

Access to your Term Deposit

Term Deposits work best as an investment strategy when you're prepared to invest your money for a Fixed Term. It's an investment that rewards you for not making withdrawals while earning a great competitive rate.

Deposits

  • Fund your opening balance using BPAY®, whether you've opened your Term Deposit online, over the phone or in branch
  • When re-investing your Term Deposit at maturity, use BPAY® to add extra funds

Withdrawals

  • You can withdraw or reinvest the balance of your account when the term ends
  • You are able to withdraw funds during the term, but your interest rate will be reduced. See our Terms and Conditions for more details.

View your Term Deposit details 24/7 2

  • With Internet and Phone Banking.
  • Via Mobile Banking on your smart phone go to m.stgeorge.com.au or find it under “Open a Term Deposit” in the main menu.

3 easy options when your investment matures

Term Deposit Reinvestment options

Did you know? You can Reinvest your Term Deposit via Internet Banking

To Reinvest a Term Deposit via Internet Banking please follow these steps:

  1. Logon to Internet Banking
  2. From the 'My Accounts' page select the ‘Renew now' link. (Please note, the renew now link will only be available when your Term Deposit is in its grace period)
  3. Choose renewal options and complete the online form
  4. You will be presented with a confirmation screen to ensure that all the information provided is correct and accurate.

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

What could you earn?

Apply online

  • Apply now
  • You can fund your Opening Deposit by BPAY®

Open a Term Deposit via your smart phone

  • Log on to m.stgeorge.com.au on your smart phone and choose “Open a Term Deposit”
  • Or go to the App on your Smart Phone and choose ”Open a Term Deposit, you can view our special rates, open an account and register for online banking if you are not already registered

Call us

13 33 30 and say "new account" when prompted

Visit a branch

Find your nearest branch

What you'll need

  • Contact details (address, phone number, email address)
  • Tax File Number for customers new to St.George

Tips

  • You can fund your opening deposit within 3 business days by BPAY® whether you've opened your Term Deposit online, over the phone or at a St.George branch
  • You need a minimum amount of $1,000 for a minimum 1 month term to open a Term Deposit. The maximum balance is $5 million. 
  • Calculate what you could earn by investing in a Term Deposit
  • Calculate and graph your earnings including interest
  • New to St.George? To open a bank account in Australia, you'll need to confirm your identity

Important information

Conditions apply.

Special rates will apply for a single term. Standard Term Deposit rates may apply for any subsequent term. Special rates are not available for corporate, institutional or government customers. 

Before making a decision, it's best to read the terms and conditions.

Please read these documents and keep a copy. You can request a paper copy at a branch or by post.

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. If you need help, call 13 33 30.

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

1 Following lodgement of the minimum balance requirement, the rate is guaranteed for the term of the investment, subject to terms and conditions (e.g. returns may be reduced if an amount is withdrawn before maturity).
2 Subject to systems availability.