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Fixed Term Deposit

Get what you expect on your investment with a Fixed Term Deposit

  • Earn up to  p.a. for 12 months on balances between $5,000 and $20,000, with interest paid at maturity
  • Get a guaranteed return with no set-up or monthly service fees1
  • Lock away your Business cash surplus for quarterly or yearly payments such as tax
  • Suitable for DIY Super and Self Managed Super Funds and business customers.

Secure cash investment

  • Invest your cash securely and get a fixed 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. Interest payments vary according to the term

Special offers

  • Earn up to  p.a. for 12 months on balances between $5,000 and $20,000, with interest paid at maturity

Minimum investment

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

Maturity Options

  • Your options at maturity include automatic re-investment for the same term, closing the account or changing account details such as amount, length of term and interest payment frequency.

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  

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
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
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
24 to less than 36 months
36 to less than 48 months
48 to less than 60 months
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 fixed rate.

Deposits

  • Fund your Opening Balance using BPAY®, whether you’ve opened your Term Deposit over the phone or in branch
  • When re-investing your Term Deposit at maturity, use Internet or Phone Banking or 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 24/72

3 easy options when your investment matures

Term Deposit Reinvestment options

What could you earn?

Call us

1800 804 411 Monday to Friday 8.30am - 5pm

Visit a branch

Find your nearest branch

What you’ll need

  • Contact details (address, phone number, email address)
  • Tax File Number or ABN.

Important Information

Conditions and fees apply.

Special rates will apply for a single term. Standard Term Deposit rates may apply for any subsequent term.

The information on our website is prepared without knowing your personal financial circumstances. Before deciding to acquire or hold a product, please read the Terms and Conditions:

Consider if the product is appropriate for you. The Terms and Conditions are important and we encourage you to review, save and print it. If you would like a paper copy ask at your local branch.

Issued by BankSA - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714. 

BPAY ® Registered to BPAY Pty Ltd ABN 69 079 137 518

1 Following lodgement of the minimum balance requirement, the rate is fixed 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.