In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • FAQ
  • Your reviews
  • Ask a question
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St.George Term Deposit
Interest rate 12 months interest rate
Up to 4.3% p.a.
Minimum opening deposit
Account keeping fee
Maximum deposit


Earn a competitive interest rate on balances between $1,000 and $2,000,000 with flexible maturity options.

A St.George term deposit doesn't charge setup or monthly fees. It has flexible interest payment options and it's suitable for DIY or SMSF accounts. You also have a range of investment options, from 1 month to 5 years. You can choose how often your deposit earns interest – monthly, half yearly, annually, or at maturity. You get various options when your term deposit matures. You can access and manage these funds via mobile and online banking.


  • $0 Account keeping fees
  • Suitable for DIY and SMSF
  • Flexible terms from 1 month to 5 years
  • Low minimum investment amount of $1,000


  • 31 days advance notice required in case of withdrawing funds before maturity

In this guide

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


Key details

Product Name St.George Term Deposit
3 month interest rate 3.55%
4 month interest rate 3.60%
6 month interest rate 3.80%
7 month interest rate 3.85%
9 month interest rate 4.05%
12 month interest rate 4.30%
24 month interest rate 4.05%
36 month interest rate 4.05%
48 month interest rate 4.05%
60 month interest rate 4.05%
Minimum Opening Deposit $1,000
Minimum age requirement 18
Government guarantee Yes


Minimum Age Requirement 18
Joint account availability Yes
Min Deposit $1,000
Available to children Not available for children

Key features

SPECIAL OFFER: 4.90% for 12-23 months

If you are a new customer and open a new term deposit account or if you are an existing customer and renew your term deposit account, you will enjoy 4.80% for 12-23 months on deposit from $1,000 to $5,000,000 with interest paid on maturity or monthly. This offer is available for a limited time and other terms and conditions apply.

Plus, you can get an additional bonus rate of 0.10% p.a. if you open or renew your term deposit online - bringing your fixed interest rate to 4.90% p.a.

Small investment amount of $1,000 to get started

Invest as little as $1,000 to get a St.George term deposit. The maximum you can invest in this term deposit is a substantial sum that stands at $2,000,000.

Choose your term as per your liking

Invest your funds from as little as 1 month, to a long term investment of 5 years.

Launch term deposit calculator

How to apply

Applying for a St.George term deposit is not difficult, and you can apply online, over the phone, or by visiting any St.George branch.


If you wish to apply online, click on the 'Go to Site' button, but make sure you meet the required eligibility criteria as listed below.

  • You're over 18 years of age
  • You're a permanent Australian resident


Your reviews

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August 09, 2023

250000 fixed one year, interest rate?


Alison Banney Finder

August 23, 2023

Hi, St.George currently offers 5.00% p.a. for 12 month terms when you open online. This is available for deposits up to $5 million.



June 26, 2019

I have $8000,000 to invest for 12 months. What is the best rate you can offer?



June 27, 2019

Hi Les,

Thanks for your inquiry.

The 12 months interest rate of St. George term deposit account is 2.30%.

I hope this helps.

Kind regards,




September 17, 2017

Is this 2.55% current at 190917


Anndy Lou Finder

September 18, 2017

Hi Kit,

Thanks for your question.

The rates on our page are updated daily.

The 2.55% rate is good for a 12 month term deposit account.



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