Bank Accounts

Term Deposit

With a St.George Term Deposit you can invest your money safely and know exactly what your return will be.

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Renew online

Special offer

3.90 % P.A.

for 12 to 23 months

Make it  4.00% p.a. by adding an extra 0.10% p.a. when you open or renew online#.
 
Offer available from 18th October 2022 for a limited time only on Term Deposits opened or renewed by St.George personal and business customers. Available on 12 - 23 month terms on deposits from $1,000 - $5,000,000 with interest paid monthly, half-yearly or at maturity (for 12 months term only). Terms and conditions apply.*  

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Renew online

Not yet a St.George customer? Please open in branch or call us.

Existing customers can go online for an extra 0.10% p.a. added to their rate 

An additional 0.10% p.a. online bonus rate# will be added when you open or renew online. Applies across any rate and term, as well as on our special 3.90% p.a. offer for for 12 - 23 months month terms*. Simply complete the process online.

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Choose your own timeframe and enjoy the certainty of fixed rates

Your savings are secure
The Government’s Financial Claims Scheme guarantees deposits to a cap of $250,000 per account holder1. More info.
Bonus rates

If you’re already with St.George, you’ll receive a bonus rate for opening or renewing online#. Sign in and check rates to see if you qualify for a higher bonus rate.

Great for impulse control
Avoid the temptation to dip into your savings by locking away your savings for a fixed term.
Start small
You can open a Term Deposit with as little as $1,000.

1. A St.George Term Deposit is a “protected account” under the Australian Government’s Financial Claims Scheme (FCS).  Payments under the FCS are subject to a limit for each depositor.

Manage your Term Deposit anytime, anywhere

You can update your maturity or renewal instructions online at any time – there’s no need to give us a call or visit a branch and you don’t need to wait for your Term Deposit to mature. 

Renew online in minutes 

You can choose to reinvest, add or withdraw money or change how your interest gets paid. You’ll also be able to see if you’re eligible for a bonus rate on top of our standard rates. 

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Featured rates

  • 1.50% p.a. for 3 months with interest paid at maturity
  • 2.00% p.a. for 6 months with interest paid at maturity
  • 4.00% p.a. for 24 months with interest paid annually

Open a Term Deposit with as little as $1000. Our Term Deposits have no set up or monthly fees.
Rates available on balances between $1000 and $2000000.

View all Term Deposit Interest Rates

About the online bonus rate

The 0.10% p.a. online bonus rate will be applied automatically to your Term Deposit rate when you open or renew online.

 

Did you know you can now open your Term Deposit online?

Simply logon to Internet Banking to find a rate that’s right for you. If you’re an existing St.George customer, you could also be eligible for a bonus rate on top of our standard rates.

Convenient

Save time and open where you want, when you want.

Secure

St.George guarantees your Internet Banking security with St.George Secure

Make tax time easy

Find all your documents to download in one place.

Existing customers

Find out instantly if you’re eligible for a bonus rate

Choose rate and term

New to St.George

Open a new Term Deposit in branch

Find a branch

Renewing soon?

Convenient and secure online renewal

Find out how

Need flexibility to access your savings?

Maxi Saver

Straight forward savings

Incentive Saver

Focussed savings

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 8MB) 
Internet Banking and Phone Banking Terms and Conditions (PDF 1MB)
# Online bonus rate is only available for Term Deposits between $1,000 and $5,000,000 opened or renewed by existing customers via Internet Banking (during the Grace Period). The  bonus rate will be applied in conjunction with any other bonus rate that may apply. Not available for customers who are not able to open or renew digitally (e.g. some joint accounts), Commercial Bank, Private Bank or Westpac Institutional Bank customers, or for Term Deposits held as security. Rate applies for a single term. Higher or lower rates may apply for subsequent terms. Rate will not be automatically applied to a renewing Term Deposit. 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 normally apply. We reserve the right to withdraw, amend or extend this offer at any time.