Rural Bank Term Deposit

A Rural Bank term deposit offers competitive, tiered interest rates across a large range of term lengths.

With a modest investment, Australians can see a high rate of return on their savings when they choose Rural Bank for a term deposit. With terms that range from months to years, and a competitive fixed interest rate on the entire balance, this account is a secure way to invest in your future.

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Product NameRural Bank Term Deposit ($500 - $4,999)
3 month interest rate0.05%
4 month interest rate0.05%
6 month interest rate0.10%
9 month interest rate0.10%
12 month interest rate0.15%
24 month interest rate0.15%
36 month interest rate0.15%
48 month interest rate0.15%
60 month interest rate0.15%
Minimum Opening Deposit$500
Minimum Age Requirement12
The rates displayed above are interest rates paid at maturity only. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

Key features

No monthly fees

You will not be charged an establishment or any monthly fees for Rural Bank's term deposit.

Personal or business customers

This account is available as a personal or business account as well as for SMSF applicants.

Launch term deposit calculator

How to apply

If you wish to invest for terms of longer than one year, or prefer to bank inside of a branch, you will have to apply for the term deposit in person or by contacting Rural Bank by phone. The Rural Bank One term deposit may be applied for online, but is only available for terms of three, six or twelve months with interest being paid at maturity. If those shorter terms suit your needs, you can begin an online application by clicking the 'Go to Site' button. Check first to make sure that you are eligible for this account.


  • Minimum age. Applicants must be at least 12 years of age.
  • Residency requirements. Australian permanent residents, New Zealand citizens residing in Australia and Australian citizens are all eligible.

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