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Interest Rates effective 1 November 2019.Term Deposits
Term Deposit Interest Rates2,5
Interest Rates effective 1 November 2019.
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Term Deposit
Term Deposits $500 - $19,999 $20,000 - $49,999 $50,000 - $99,999 $100,000 and over 30 days (I18) 1.10% p.a. 1.10% p.a. 1.10% p.a. 1.10% p.a. 60 days (I17) 1.10% p.a. 1.10% p.a. 1.10% p.a. 1.10% p.a. 90 days (I16) 1.50% p.a. 1.50% p.a. 1.65% p.a. 1.65% p.a. 120 days (I7) 1.50% p.a. 1.50% p.a. 1.65% p.a. 1.65% p.a. 180 days (I15) 1.50% p.a. 1.50% p.a. 1.65% p.a. 1.65% p.a. 270 days (I1) 1.50% p.a. 1.50% p.a. 1.60% p.a. 1.60% p.a. 1 year (I12) 1.50% p.a. 1.50% p.a. 1.60% p.a. 1.60% p.a. 2 years (I24) 1.50% p.a. 1.50% p.a. 1.60% p.a. 1.60% p.a. 3 years (I36) 1.50% p.a. 1.50% p.a. 1.60% p.a. 1.60% p.a. 4 years (I48) 1.50% p.a. 1.50% p.a. 1.60% p.a. 1.60% p.a. 5 years (I60) 1.55% p.a. 1.55% p.a. 1.65% p.a. 1.65% p.a. Interest First Term Deposit $500 - $19,999 $20,000 - $49,999 $50,000 - $99,999 $100,000 - $1,000,000 150 days (I55) 1.50% p.a. 1.50% p.a. 1.65% p.a. 1.65% p.a. - Regular Income Term Deposit (I3) (Conditions Apply)
School Accounts
School Term Deposit Interest Rates2
Schools and Preschools Interest Rates effective 25 October 2019.
- Everyday School Account (S55)
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School Term Deposits
School Term Deposits $5000 - $99,999 $100,000 and over 30- 90 days (I4) 1.65% p.a. 1.65% p.a. 120-180 days (I5) 1.65% p.a. 1.65% p.a.
Preschool Accounts
Schools and Preschools Interest Rates effective 25 October 2019.
- Day to Day Account (S41)
- Fundraising Account (S43)
- Petty Cash Account (S44)
- Preschool Savings Accounts (S46)
- Long Service & Sick Leave Provisions Account (S47)
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Preschool Term Deposits
Preschool Term Deposits2,4 $500 - $4,999 $5000 - $99,999 $100,000 and over Long Service and Sick Leave (I40)7 1.60% p.a. 1.60% p.a. 1.60% p.a. 30-90 days (I41) N/A 1.65% p.a. 1.65% p.a. 120-180 days (I43) N/A 1.65% p.a. 1.65% p.a.
Terms and Conditions
Part A - Product Information
Part B - Fees and Charges
Part C - Interest Rates
Part C - Schools and Preschools - Interest Rates
Important Information
1. Bonus interest additional to the base rate applies when you make at least one deposit of a minimum of $1.00 and no withdrawals are made in the calendar month.
2. Subject to our Terms and Conditions, a Term Deposit interest rate reduction applies on early withdrawals, with interest paid at the reduced rate from the date of deposit to the day prior to withdrawal. Where the withdrawal reduces the 'Fixed Term Deposit' balance to an amount that attracts a lesser rate, that lesser rate shall apply for the remainder of the term. Part withdrawals are not permitted on the Interest First Term Deposit product.
3. At the end of each quarter, the balance of the S47 will be transferred into the Preschool Long Service and Sick Leave Term Deposit (I40).
4. Interest on I41 and I43 calculated daily and credited on maturity.
5. These rates are for retail customers only and limits may apply.
6. Bonus interest additional to the base rate is earned when deposits totalling a minimum of $100 and no withdrawals are made in the calendar month.
7. Interest is credited to the account on 30 June and 31 December of each year and on maturity on 1 September of each year. Withdrawals are restricted to payments of long service and sick leave owing to staff. Additional deposits can be made to an existing deposit, by the quarterly sweep from the Long Service and Sick Leave Provisions Account or if received within five business days from maturity. Deposits received at any other time will be accepted as a separate deposit under the Terms and Conditions prevailing at the time.
2. Subject to our Terms and Conditions, a Term Deposit interest rate reduction applies on early withdrawals, with interest paid at the reduced rate from the date of deposit to the day prior to withdrawal. Where the withdrawal reduces the 'Fixed Term Deposit' balance to an amount that attracts a lesser rate, that lesser rate shall apply for the remainder of the term. Part withdrawals are not permitted on the Interest First Term Deposit product.
3. At the end of each quarter, the balance of the S47 will be transferred into the Preschool Long Service and Sick Leave Term Deposit (I40).
4. Interest on I41 and I43 calculated daily and credited on maturity.
5. These rates are for retail customers only and limits may apply.
6. Bonus interest additional to the base rate is earned when deposits totalling a minimum of $100 and no withdrawals are made in the calendar month.
7. Interest is credited to the account on 30 June and 31 December of each year and on maturity on 1 September of each year. Withdrawals are restricted to payments of long service and sick leave owing to staff. Additional deposits can be made to an existing deposit, by the quarterly sweep from the Long Service and Sick Leave Provisions Account or if received within five business days from maturity. Deposits received at any other time will be accepted as a separate deposit under the Terms and Conditions prevailing at the time.