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Term Deposit

With the security of a competitive fixed interest rate and a choice of terms, a Rural Bank Term Deposit will see your money grow.

Features of our Term Deposit Account

Competitive fixed interest rates.

Different fixed terms to suit your needs starting from one month.

Protected by the Financial Claims Scheme guarantee on deposits provision.

No set up or ongoing fees.

Invest any amount from $500.

Interest rates calculated daily and paid monthly, quarterly, annually or on maturity.

Flexible interest payment options including reinvesting to your term deposit.

Available for personal and business customers.

A choice of a self managed Rural Bank ONE (online) or a Staff Assisted (in branch/phone) Term Deposit.

How do I apply or find out more?

Contact our customer service team
Visit your nearest branch
Apply online with Rural Bank ONE

Interest rates (in branch/phone)

Period $500 -
$4,999
$5,000 -
$24,999
$25,000 -
$49,999
$50,000 -
$149,999
$150,000 -
$500,000
$500,000+
1 month 0.05% p.a. 1.25% p.a. 1.25% p.a. 1.25% p.a. 1.25% p.a. Please call
1800 644 824
2 months 0.05% p.a. 1.50% p.a. 1.50% p.a. 1.50% p.a. 1.50% p.a.
3 months 0.05% p.a. 3.50% p.a. 3.50% p.a. 3.50% p.a. 3.50% p.a.
4 months 0.05% p.a. 3.60% p.a. 3.60% p.a. 3.60% p.a. 3.60% p.a.
5 months 0.05% p.a. 3.00% p.a. 3.00% p.a. 3.00% p.a. 3.00% p.a.
6 months 0.10% p.a. 4.00% p.a. 4.00% p.a. 4.00% p.a. 4.00% p.a.
9 months 0.10% p.a. 4.00% p.a. 4.00% p.a. 4.00% p.a. 4.00% p.a.

Interest rates quoted on a per annum basis and are subject to change without notice. Interest is calculated daily and paid or credited as specified. Exact term in months or maturity date must be specified when applying for Term Deposits.

Period $500 - $4,999 $5,000 - $24,999 $25,000 - $49,999 $50,000 - $149,999 $150,000 - $500,000 $500,000+
1 year 0.15% p.a. 4.75% p.a. 4.75% p.a. 4.75% p.a. 4.75% p.a. Please call
1800 644 824
2 years 0.15% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a.
3 years 0.15% p.a. 4.00% p.a. 4.00% p.a. 4.00% p.a. 4.00% p.a.
4 years 0.15% p.a. 4.00% p.a. 4.00% p.a. 4.00% p.a. 4.00% p.a.
5 years 0.15% p.a. 4.00% p.a. 4.00% p.a. 4.00% p.a. 4.00% p.a.

Interest rates quoted on a per annum basis and are subject to change without notice. Interest is calculated daily and paid or credited as specified. Exact term in months or maturity date must be specified when applying for Term Deposits.

Period $500 - $4,999 $5,000 - $24,999 $25,000 - $49,999 $50,000 - $149,999 $150,000 - $500,000 $500,000+
1 year 0.15% p.a. 4.70% p.a. 4.70% p.a. 4.70% p.a. 4.70% p.a. Please call
1800 644 824
2 years 0.15% p.a. 3.90% p.a. 3.90% p.a. 3.90% p.a. 3.90% p.a.
3 years 0.15% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a.
4 years 0.15% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a.
5 years 0.15% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a.

Interest rates quoted on a per annum basis and are subject to change without notice. Interest is calculated daily and paid or credited as specified. Exact term in months or maturity date must be specified when applying for Term Deposits.

Period $500 - $4,999 $5,000 - $24,999 $25,000 - $49,999 $50,000 - $149,999 $150,000 - $500,000 $500,000+
1 year 0.15% p.a. 4.70% p.a. 4.70% p.a. 4.70% p.a. 4.70% p.a. Please call
1800 644 824
2 years 0.15% p.a. 3.90% p.a. 3.90% p.a. 3.90% p.a. 3.90% p.a.
3 years 0.15% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a.
4 years 0.15% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a.
5 years 0.15% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a.

Interest rates quoted on a per annum basis and are subject to change without notice. Interest is calculated daily and paid or credited as specified. Exact term in months or maturity date must be specified when applying for Term Deposits.

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Things you should know

Interest rates quoted are subject to change without notice. Information is subject to change. Terms, conditions, fees and charges apply and are available by phoning our Customer Service Team on 1300 660 115, online, or by contacting your local branch.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Rural Bank - A Division of Bendigo and Adelaide Bank Limited
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