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Money Market

The Rural Bank Money Market team is dedicated to growing the wealth of high net worth clients, offering personal service, flexibility and competitive returns for your money.


  • An experienced team, with the specialist knowledge required to invest in the money market and who will work with you to understand your specific investment requirements.
  • A choice of high yielding investment products that can be tailor-made to meet your short-term cash flow needs as well as providing longer-term investment returns.


11.00am - at call

This competitive market rated investment gives you access to your funds at the shortest possible notice, provided that notification is given to us before 11.00am on the day that funds are required.

The minimum opening deposit is $250,000, with minimum transaction amounts of $50,000. Lodgements can be accepted up to 5.00 pm Monday to Thursday and up to 5.30 pm on Fridays.

Term Deposit

A term deposit offers a sound investment option if you prefer to invest for a fixed term to receive a fixed return. You earn a market-linked interest rate with a comprehensive range of interest payment options to suit your requirements.

Your interest can be credited to a nominated bank account; reinvested with the principal; credited to a new Rural Bank Term Deposit.

Negotiable Certificates of Deposit (NCD)

Our NCD's are a negotiable, bearer security issued by Bendigo and Adelaide Bank that provides you with a short to medium term investment alternative with an attractive yield.

With a preferred minimum investment (settlement value) of more than $500,000, this negotiable discount instrument is simply a promise by the drawer of the security (Bendigo and Adelaide Bank) to repay the face value on maturity. Terms generally range from 7 days to 1 year.

How do I apply or find out more?

Call our Pricing Team
Email our Pricing Team
Contact our customer service team

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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 660 116, online, or by contacting your local branch.

Rural Bank - A Division of Bendigo and Adelaide Bank Limited
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