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Term Deposits

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Compare
 Institution Product Name
(click for details)		 90 Days 180 Days 1 Year 2 Years 3 Years 4 Years 5 Years Rate For Selected Term Visit Provider's Website
Term Deposit (online) 4.00 4.00 4.50 4.60 - - - 4.50 Go to site
Rural Bank ONE Personal Term Deposit (Online) 4.30 4.45 4.25 - - - - 4.25 Go to site
Rural Bank ONE Business Term Deposit (Online) 4.30 4.45 4.25 - - - - 4.25 Go to site
Rural Bank ONE DIY Super Term Deposit (Online) 4.30 4.45 4.25 - - - - 4.25 Go to site
Term Deposit 4.20 4.10 4.20 4.35 4.50 - - 4.20 Go to site
Term Investment 4.10 3.90 4.10 - - - - 4.10 Go to site
Term Deposit 4.15 4.05 4.05 4.30 4.50 4.55 4.65 4.05 Go to site
Bankwest Online Term Deposit 4.00 4.10 3.60 3.90 4.10 4.20 4.30 3.60 Go to site
UBank Term Deposits (online) 4.21 4.41 4.61 - - - - 4.61
Term Deposit 4.10 4.35 4.45 4.50 4.50 - - 4.45
Term Deposits 4.00 4.05 4.45 4.30 - - - 4.45
ME Bank Super Members Term Deposit 4.25 4.40 4.45 4.40 - - - 4.45
First Choice Credit Union Term Deposit 4.00 4.20 4.30 - - - - 4.30
MCU Term Deposits 4.20 4.30 4.30 4.35 - - - 4.30
Edvest Term Deposit 4.25 4.10 4.30 4.40 4.60 - - 4.30
Investment Plus Term Deposit 4.10 4.20 4.25 4.25 - - - 4.25
Teen Plus Term Deposit 4.10 4.20 4.25 4.25 - - - 4.25
Term Deposit 4.15 4.15 4.25 4.40 4.50 - - 4.25
Term Deposit 4.25 4.25 4.25 - - - - 4.25
On-line Term Deposit 4.30 3.00 4.25 4.30 - - - 4.25
Compare
 Institution Product Name
(click for details)		 90 Days 180 Days 1 Year 2 Years 3 Years 4 Years 5 Years Rate For Selected Term Visit Provider's Website
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Term Deposits
* Default sorting is based on the selected term’s interest rate in descending order.

Any information or product contained on this website does not constitute a recommendation or suggestion to purchase or apply for any particular product with any particular institution and may not suit your personal objectives, financial situation or needs. Please consider whether it is appropriate for your circumstances, before making a decision to purchase or apply for any product.




Not sure if a term deposit is right for you? Read on.

Term deposit is a type of an investment where your interest rate is guaranteed and is not changed for the specified period of time or maybe “term” that you choose to invest your money in. If you lock your term deposit rate and if the period is already set then you can easily calculate the worth of your investment. The only way to select the term for your deposit is to choose the term that fits best with your other investments and saving plans.

You can use your term deposits smartly as a regular source of income, if only; the amount which you are investing is worth of it. The interest rate that you earn will always vary from the institution depending only on the time and the amount of money which you look for investing.

Term deposits often offers good interest rates and this comes as a shock for many people because in the generation of online banking it is very difficult to give higher interest rates in the savers market. The main reason for this is:

1.)    The banks match their deposits with their investment terms only
2.)    The banks are attracting more and more of local funding instead of going for overseas funding of the deposits book.

Why you should go for term deposits?

1.)    Interest is calculated on the daily basis and can be easily paid on existing investments.
2.)    The payment on the interest can be paid quarterly, annually and also at the maturity depending on the type of investment chosen.
3.)    The range of the terms is from 30 days to 5 years.
4.)    No need of paying any management or establishment fees
5.)    Maturity advice is sent on the weekly basis prior to the date of investments maturity.


Apart from the interest rate factor, there are many other reasons why term deposits are more suitable than any other investment options. Term deposits can only help you to stay disciplined and it will help you in avoiding the temptation of frequent withdrawals. You can easily match the term deposits with your timing and your need of the cash flow.

Term deposits are very helpful if you are saving your money for your first home, or a new car or maybe a good vacation. The major banks in Australia will always compete with each other on the grounds of term deposits for their customer’s savings.

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