In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question
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Newcastle Permanent Term Deposit

Newcastle Permanent Term Deposit
Interest rate 6 months interest rate
Up to 4.6% p.a.
Minimum opening deposit
Account keeping fee


You could turn a small investment into something big with a term deposit from Newcastle Permanent.

The flexibility of the Newcastle Permanent Term Deposit allows you to customise the account to meet your savings goals. Various options for term lengths, and high interest earnings on smaller deposit amounts can give you the opportunity to grow your money in a short amount of time. For higher deposits you can set up monthly interest payments, augmenting your monthly income while keeping your financial future securely held in an account.


  • You can apply for an account via online
  • There is $0 annual or monthly account keeping fee


  • Minimum deposit of $1,000

In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question


Key details

Product Name Newcastle Permanent Term Deposit
3 month interest rate 3.50%
4 month interest rate 3.50%
6 month interest rate 4.60%
7 month interest rate 3.80%
9 month interest rate 4.00%
12 month interest rate 4.50%
24 month interest rate 4.00%
36 month interest rate 4.00%
48 month interest rate 4.00%
60 month interest rate 4.00%
Minimum Opening Deposit $1,000
Minimum age requirement 14
Government guarantee Yes


Minimum Age Requirement 14
Joint account availability Yes
Min Deposit $1,000
Available to children Not available for children under 14 years of age

Key features

Minimum investment amount

With Newcastle Permanent you are able to open a term deposit with as little as $1,000.

Term length

You can choose from terms ranging from one month to one year.

How to apply


Before getting started on the application for your term deposit, verify that you are eligible to apply:

  • Minimum age. Term deposit account holders must be at least 14 years of age.
  • Residency requirements. You and any joint account holders must be permanent Australian residents with an Australian residential address.

Your reviews

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November 21, 2023

what term deposit rates do you offer for businesses


Richard Whitten Finder

November 22, 2023

Hi Owen,

You’d need to find the rates on Newcastle Permanent’s website.



December 06, 2017

What interest can I receive on $450,000 for 12 months




Joanne Finder

December 06, 2017

Hi Robert,

Thank you for visiting Finder.

With the use of our term deposit calculator, it shows that for Newcastle your 450,000 in 12 months will earn interest if compounded monthly of approximately $9,082.96.

You may also be able to compare lenders from the same page by entering your initial deposit on the box provided plus the number of months. Once you click on calculate, the lenders will appear and the interest earned per lender will be displayed.

While your money is invested, the rates are fixed and not subject to change thus it is not difficult to determine the interest you will earn.



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