NSW SHORT TERM DEPOSITS




Select up to three services and click COMPARE for a more detailed comparison of their features.



 Institution Product Name Tier Interest Rates (days) Early Withdrawal Penalties
Min Max 30 60 90 120 150 180 270
Bank of Queensland Premier Investment
 $1,000
 $4,999.99
 0.90
 1.00
 1.50
 1.65
 1.65
 1.65
 1.65
 Interest adjustment applies.EOT rates shown.For monthly interest rates deduct 0.25% from the end of term rate excluding rates for less than 1 month.Early Payout Fee of $30 in addition to an interest rate adjustment
Bank of Queensland Premier Investment
 $5,000
 $19,999.99
 2.00
 2.75
 5.70
 3.00
 3.00
 3.00
 3.00
 Interest adjustment applies.EOT rates shown.For monthly interest rates deduct 0.25% from the end of term rate excluding rates for less than 1 month.
Bank of Queensland Premier Investment
 $20,000
 $49,999.99
 2.00
 2.75
 5.70
 3.00
 3.00
 3.00
 3.00
 Interest adjustment applies.EOT rates shown.For monthly interest rates deduct 0.25% from the end of term rate excluding rates for less than 1 month.Early Payout Fee of $30 in addition to an interest rate adjustment
Bank of Queensland Premier Investment
 $50,000
 $99,999.99
 2.55
 2.85
 5.70
 3.10
 3.10
 3.10
 3.10
 Interest adjustment applies.EOT rates shown.For monthly interest rates deduct 0.25% from the end of term rate excluding rates for less than 1 month.Early Payout Fee of $30 in addition to an interest rate adjustment
Bank of Queensland Premier Investment
 $100,000
 $250,000
 2.55
 2.85
 5.70
 3.15
 3.15
 3.15
 3.15
 Interest adjustment aplies.EOT rates shown.For monthly interest rates deduct 0.25% from the end of term rate excluding rates for less than 1 month.
BankWest bankwest tddirect (online)
 $1,000
 $5,000,000

5.50

4.50
 3.00
 An interest adjustment will apply for early withdrawal - please refer to the BankWest website for details.
BankWest Gold Term Deposit
 $5,000
 $2,000,000
 2.00
 2.00
 5.50
 3.00
 3.00
 3.00
 3.00
 An interest adjustment will apply for early withdrawal - please refer to the BankWest website for details.
Citibank Citibank Term Deposit
 $10,000
 $19,999
 2.55
 2.51
 3.48
 3.33
 3.20
 3.11
 2.81
 50% of the interest earnt to the date of break
Citibank Citibank Term Deposit
 $20,000
 $49,999
 3.05
 3.01
 3.73
 3.62
 3.44
 3.36
 3.06
 50% of the interest earnt to the date of break
Citibank Citibank Term Deposit
 $50,000
 $99,999
 3.25
 3.41
 3.94
 3.78
 3.64
 3.55
 3.37
 50% of the interest earnt to the date of break
Citibank Citibank Term Deposit
 $100,000
 $249,999
 4.50
 4.36
 4.24
 4.09
 3.95
 3.86
 3.56
 50% of the interest earnt to the date of break
Citibank Citibank Term Deposit
 $250,000
 $499,999
 4.50
 4.36
 4.24
 4.09
 3.95
 3.86
 3.56
 50% of the interest earnt to the date of break
Citibank Citibank Term Deposit
 $500,000
 $999,999
 4.50
 4.36
 4.25
 4.09
 3.95
 3.86
 3.56
 50% of the interest earnt to the date of break
Citibank Citibank Term Deposit
 $1,000,000
 $99,999,999
 4.50
 4.36
 4.24
 4.09
 3.95
 3.86
 3.56
 50% of the interest earnt to the date of break
Commonwealth Bank Short Term Deposit
 $5,000
 $9,999
 3.00
 3.00
 3.00
 3.00
 3.00
 3.00
 3.00
 $30 administration fee plus there may be a reduction in the interest paid but this can be negotiated with your branch.

Institution Product Name Tier Interest Rates (days) Early Withdrawal Penalties
Min Max 30 60 90 120 150 180 270
Commonwealth Bank Short Term Deposit
 $10,000
 $49,999
 3.10
 3.10
 5.00
 3.10
 4.50
 3.10
 3.10
 $30 administration fee plus there may be a reduction in the interest paid but this can be negotiated with your branch.
Commonwealth Bank Short Term Deposit
 $50,000
 $99,999
 3.20
 3.20
 5.50
 3.20
 4.50
 3.20
 3.20
 $30 administration fee plus there may be a reduction in the interest paid but this can be negotiated with your branch.
Commonwealth Bank Short Term Deposit
 $100,000
 $499,999
 3.30
 3.30
 5.00
 3.30
 4.50
 3.30
 3.30
 $30 administration fee plus there may be a reduction in the interest paid but this can be negotiated with your branch.
Community First Credit Union Short Term Deposit
 $5,000
 $19,999

4.15
 4.15
 4.15
 4.25
 4.25
 Less than 25% into term 3%25% to less than 50% into term 2%50% *or* more into term 1%
Community First Credit Union Short Term Deposit
 $20,000
 $49,999

4.25
 4.25
 4.25
 4.35
 4.35
 Less than 25% into term 3%25% to less than 50% into term 2%50% *or* more into term 1%
Community First Credit Union Short Term Deposit
 $50,000
 $99,999

4.70
 4.70
 4.70
 4.55
 4.55
 Less than 25% into term 3%25% to less than 50% into term 2%50% *or* more into term 1%
Community First Credit Union Short Term Deposit
 $100,000
 $249,999

5.00
 5.00
 5.00
 4.75
 4.75
 Less than 25% into term 3%25% to less than 50% into term 2%50% *or* more into term 1%
Comtax Credit Union TERM DEPOSIT
 $1,000
 $4,999

4.00

4.75
2% reduced interest rate
Comtax Credit Union TERM DEPOSIT
 $5,000
 $24,999

5.10

5.00
2% reduced interest rate
Comtax Credit Union TERM DEPOST
 $25,000
 $100,000

5.25

5.15
2% reduced interest rate
CUA Short Term Deposit
 $1,000
 $9,999
 2.00
 2.25
 4.55
 3.70
 3.60
 3.60
 3.85
CUA Short Term Deposit
 $10,000
3.00
 3.25
 5.55
 4.70
 4.60
 4.60
 4.85
CUA CUA Special offer
 $50,000
 $1,000,000
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Elders Rural Bank Short Term Deposit
 $500
 $4,999
 1.00
 1.00
 1.00
 1.00
 1.00
 1.50
 1.50
 If an early withdrawal is agreed to, the amount of interest payable on the amount withdrawn will be based on the Interest Earning at Call Deposit interest rate.
Elders Rural Bank Short Term Deposit
 $5,000
 $9,999
 3.50
 3.75
 5.60
 4.25
 4.25
 4.25
 3.25
 If an early withdrawal is agreed to, the amount of interest payable on the amount withdrawn will be based on the Interest Earning at Call Deposit interest rate.

Institution Product Name Tier Interest Rates (days) Early Withdrawal Penalties
Min Max 30 60 90 120 150 180 270
Elders Rural Bank Short Term Deposit
 $10,000
 $24,999
 3.50
 3.75
 5.60
 4.25
 4.25
 4.25
 3.25
 If an early withdrawal is agreed to, the amount of interest payable on the amount withdrawn will be based on the Interest Earning at Call Deposit interest rate.
Elders Rural Bank Short Term Deposit
 $25,000
 $49,999
 3.75
 4.00
 5.60
 4.50
 4.50
 4.50
 3.50
 If an early withdrawal is agreed to, the amount of interest payable on the amount withdrawn will be based on the Interest Earning at Call Deposit interest rate.
Elders Rural Bank Short Term Deposit
 $50,000
 $149,999
 4.00
 4.10
 5.60
 4.75
 4.75
 4.75
 3.75
 If an early withdrawal is agreed to, the amount of interest payable on the amount withdrawn will be based on the Interest Earning at Call Deposit interest rate.
Elders Rural Bank Short Term Deposit
 $150,000
 $249,999
 4.00
 4.25
 5.60
 5.00
 5.00
 5.00
 4.00
 If an early withdrawal is agreed to, the amount of interest payable on the amount withdrawn will be based on the Interest Earning at Call Deposit interest rate.
Elders Rural Bank Short Term Deposit
 $250,000
 $500,000
 4.00
 4.25
 5.60
 5.00
 5.00
 5.00
 4.00
 If an early withdrawal is agreed to, the amount of interest payable on the amount withdrawn will be based on the Interest Earning at Call Deposit interest rate.
Encompass Credit Union Term deposit ($1,000 - $9,999)
 $1,000
 $9,999

4.45
 4.45
 4.45
 4.45
 4.05
 Interest rate reverts to Access Plus account rate - interest calculation backdated to date at which term deposit was first opened.
Encompass Credit Union Term deposit ($10,000 - $49,999)
 $10,000
 $49,999

5.20
 5.20
 5.20
 5.20
 4.65
 Interest rate reverts to Access Plus account rate - interest calculation backdated to date at which term deposit was first opened.
Encompass Credit Union Term deposit ($50,000 up to $99,999)
 $50,000
 $99,999

5.35
 5.35
 5.35
 5.35
 4.85
 Interest rate reverts to Access Plus account rate - interest calculation backdated to date at which term deposit was first opened.
Encompass Credit Union Term deposit ($100,000 and over)
 $100,000


5.45
 5.45
 5.45
 5.45
 5.05
 Interest rate reverts to Access Plus account rate - interest calculation backdated to date at which term deposit was first opened.
Greater Building Society Term Investment
 $1,000
 $4,999.99
4.25
 3.30
 3.30
 3.30
 3.50
 2.75
 If more than 1/4 of the term is still to run before the maturity date, 50% of the applicable rate is payable.If less than 1/4 of the term is still to run before the maturity date, 75% of the applicable rate is payable.
Greater Building Society Term Investment
 $5,000
 $19,999.99
5.55
 4.60
 4.60
 4.60
 4.80
 4.05
 If more than 1/4 of the term is still to run before the maturity date, 50% of the applicable rate is payable.If less than 1/4 of the term is still to run before the maturity date, 75% of the applicable rate is payable.
Greater Building Society Term Investment
 $20,000
 $99,999.99
5.75
 4.80
 4.80
 4.80
 5.00
 4.25
 If more than 1/4 of the term is still to run before the maturity date, 50% of the applicable rate is payable.If less than 1/4 of the term is still to run before the maturity date, 75% of the applicable rate is payable.
Greater Building Society Premier Deposit Account
 $100,000
 $199,999.99
 5.80
 5.80
 4.85
 4.85
 4.85
 5.05
 4.30
 If more than 1/4 of the term is still to run before the maturity date, 50% of the applicable rate is payable.If less than 1/4 of the term is still to run before the maturity date, 75% of the applicable rate is payable.
Greater Building Society Premier Deposit Account
 $200,000
5.85
 5.85
 4.90
 4.90
 4.90
 5.10
 4.35
 If more than 1/4 of the term is still to run before the maturity date, 50% of the applicable rate is payable.If less than 1/4 of the term is still to run before the maturity date, 75% of the applicable rate is payable.
HSBC Short Term Deposit
 $5,000
 $19,999
 2.01
 2.21
 2.56
 2.59
 2.62
 2.55
 2.70
 http://www.hsbc.com.au/personal/accounts/td.html

Institution Product Name Tier Interest Rates (days) Early Withdrawal Penalties
Min Max 30 60 90 120 150 180 270
HSBC Short Term Deposit
 $20,000
 $49,999
 2.06
 2.26
 2.61
 2.64
 2.67
 62.60
 2.75
 Interest rate reduction on early withdrawal:If you take any money out of your Term Deposit Account before the end of the term, the interest rate you receive will only be half of the interest rate that is set out in your Term Deposit details. The reduced rate will apply for the whole period from the day your account is opened to the day you take money out of your account.If you have already been paid interest at the full rate the principal amount payable to you when we close the account will be reduced to put you in the same position as if interest on the amount deposited had been reduced by 50% for the whole time the Account was open.Note: The above reduction in interest rate applies to Term Deposit accounts in Australian and Foreign Currencies and are the AUD equivalent in the currency of the account when converted.
HSBC Short Term Deposit
 $50,000
 $99,999
 2.11
 2.31
 2.66
 2.69
 2.72
 2.64
 2.80
 Interest rate reduction on early withdrawal:If you take any money out of your Term Deposit Account before the end of the term, the interest rate you receive will only be half of the interest rate that is set out in your Term Deposit details. The reduced rate will apply for the whole period from the day your account is opened to the day you take money out of your account.If you have already been paid interest at the full rate the principal amount payable to you when we close the account will be reduced to put you in the same position as if interest on the amount deposited had been reduced by 50% for the whole time the Account was open.Note: The above reduction in interest rate applies to Term Deposit accounts in Australian and Foreign Currencies and are the AUD equivalent in the currency of the account when converted.
HSBC Short Term Deposit
 $100,000
 $249,999
 2.16
 2.36
 2.71
 2.74
 2.77
 2.70
 2.85
 Interest rate reduction on early withdrawal:If you take any money out of your Term Deposit Account before the end of the term, the interest rate you receive will only be half of the interest rate that is set out in your Term Deposit details. The reduced rate will apply for the whole period from the day your account is opened to the day you take money out of your account.If you have already been paid interest at the full rate the principal amount payable to you when we close the account will be reduced to put you in the same position as if interest on the amount deposited had been reduced by 50% for the whole time the Account was open.Note: The above reduction in interest rate applies to Term Deposit accounts in Australian and Foreign Currencies and are the AUD equivalent in the currency of the account when converted.
HSBC Short Term Deposit
 $250,000
 $1,000,000
 2.21
 2.41
 2.76
 2.79
 2.82
 2.75
 2.85
 Interest rate reduction on early withdrawal:If you take any money out of your Term Deposit Account before the end of the term, the interest rate you receive will only be half of the interest rate that is set out in your Term Deposit details. The reduced rate will apply for the whole period from the day your account is opened to the day you take money out of your account.If you have already been paid interest at the full rate the principal amount payable to you when we close the account will be reduced to put you in the same position as if interest on the amount deposited had been reduced by 50% for the whole time the Account was open.Note: The above reduction in interest rate applies to Term Deposit accounts in Australian and Foreign Currencies and are the AUD equivalent in the currency of the account when converted.
Illawarra Credit Union Term Deposit
 $1,000
 $4,999

2.50
 2.00
 2.00
 2.00
 2.00
 $10 plus a 2% reduction of overall Term Deposit rate
Illawarra Credit Union Term Deposit
 $5,000
 $9,999

4.30
 3.80
 3.80
 3.80
 3.80
 $10 plus a 2% reduction of overall Term Deposit rate
Illawarra Credit Union Term Deposit
 $10,000
 $24,999

5.00
 4.15
 4.15
 4.15
 4.15
 $10 plus a 2% reduction of overall Term Deposit rate
Illawarra Credit Union Term Deposit
 $25,000
 $99,999

5.10
 4.25
 4.25
 4.25
 4.25
 $10 plus a 2% reduction of overall Term Deposit rate
IMB Short Term deposit
 $1,000
 $4,999
 0.50
 0.50
 1.75
 1.75
 1.75
 2.15
 2.15
IMB Short Term Deposit
 $5,000
 $24,999
 2.80
 2.80
 5.60
 4.50
 4.50
 5.10
 4.50
IMB Short Term Deposit
 $25,000
 $49,999
 2.80
 2.80
 5.60
 4.50
 4.50
 5.10
 4.50
IMB Short Term Deposit
 $50,000
 $99,999
 3.40
 3.40
 5.60
 4.50
 4.50
 5.10
 4.50
ING Direct Short Term Deposit (online)

4.60
5.50

4.10
Interest rate reduction of 0.25%pa for 30 day Term Deposit. Interest rate reduction of 0.50%pa for 90 day Term Deposit.Interest rate reduction of 0.75%pa for 180 day Term Deposit.
Intech Credit Union Limited Term Deposit
 $5,000
 $19,999

3.95

4.45
Interest recast at savings account rate at the discretion of the credit union
Intech Credit Union Limited Term Deposit
 $20,000
 $49,999

4.70

4.70
Interest recast at savings account rate at the discretion of the credit union

Institution Product Name Tier Interest Rates (days) Early Withdrawal Penalties
Min Max 30 60 90 120 150 180 270
Intech Credit Union Limited Term Deposit
 $50,000
 $99,999

4.85

4.95
Interest recast at savings account rate at the discretion of the credit union
Intech Credit Union Limited Term Deposit
 $100,000
 $500,000

5.21

5.21
Interest recast at savings account rate at the discretion of the credit union
Macquarie Private Wealth Macquarie Bank Term Deposit
 $10,000
3.75
5.50

4.50
 4.25
Members Equity Bank ME Term Deposits
 $5,000
 $249,999

6.30

5.00
 4.90
 If you withdraw your term deposit prior to the maturity date, we will reduce the fixed rate by 2%p.a up to the amount of accrued interest.
NAB Short Term Deposit
 $5,000
 $9,999
 1.00
 2.00
 2.15
 2.20
 2.20
 2.20
 2.45
 Interest would be calculated on the rate applicable to the reduced term of the investment rather than at the original rate.
NAB Short Term Deposit
 $10,000
 $19,999
 1.50
 1.50
 3.20
 4.80
 3.20
 4.00
 3.20
 Interest would be calculated on the rate applicable to the reduced term of the investment rather than at the original rate.
NAB Short Term Deposit
 $20,000
 $49,999
 1.75
 1.75
 5.60
 3.25
 5.60
 3.25
 3.25
 Interest would be calculated on the rate applicable to the reduced term of the investment rather than at the original rate.
NAB Short Term Deposit
 $50,000
 $99,999
 1.80
 1.80
 4.80
 3.25
 4.00
 3.25
 3.25
 Interest would be calculated on the rate applicable to the reduced term of the investment rather than at the original rate.
NAB Short Term Deposit
 $100,000
 $249,999
 1.90
 1.90
 4.80
 3.30
 4.00
 3.30
 3.30
 Interest would be calculated on the rate applicable to the reduced term of the investment rather than at the original rate.
NAB Short Term Deposit
 $250,000
 $500,000
 1.90
 1.90
 5.60
 3.30
 5.60
 3.30
 3.30
 Interest would be calculated on the rate applicable to the reduced term of the investment rather than at the original rate.
Newcastle Permanent Building Society Term Deposit
 $1,000
 $5,000

3.50
 3.50
 3.50
 3.50
 3.50
 No early withdrawalsPays 0.5% for early break
Newcastle Permanent Building Society Term Deposit
 $5,000
 $20,000

5.60
 5.50
 4.60
 4.50
 3.40
 No early withdrawalsPays 0.5% for early break
Newcastle Permanent Building Society Term Deposit
 $20,000
 $50,000

5.60
 5.50
 4.60
 4.50
 3.40
 No early withdrawalsPays 0.5% for early break
Newcastle Permanent Building Society Term Deposit
 $50,000
 $100,000

5.60
 5.50
 4.60
 4.50
 3.50
 No early withdrawalsPays 0.5% for early break
Newcastle Permanent Building Society Term Deposits
 $100,000
 $200,000
 5.00
 5.00
 5.60
 5.50
 4.60
 4.50
 3.50

Institution Product Name Tier Interest Rates (days) Early Withdrawal Penalties
Min Max 30 60 90 120 150 180 270
Newcastle Permanent Building Society Term Deposit
 $100,000
 $9,999,999
 5.00
 5.00
 5.60
 4.60
 4.60
 5.30
 4.00
 No early withdrawalsPays 0.5% for early break
Newcastle Permanent Building Society Gold Term Deposit
 $200,000
 $999,999,999
 4.60
 4.60
 5.60
 5.50
 4.60
 4.50
 3.50
 No early withdrawalsPays 0.5% for early break
RaboBank Short Term Deposits
 $5,000
 $49,999
 3.40
 4.00
 4.15
 4.30
 3.60
 4.05
 3.05
 Withdrawal Requests must be in writing, If Rabobank agrees to the early termination, a break cost on the part terminated may be deducted from the depositor and / *or* interest. Break costs increase in line with increases in the following : Interest rates / the amount withdrawn / and the market margin. Further information is available on request :Example : ( Illustration only ) $10,000 -2 year deposit with an interst rate of 5.00% PA, payable annual, broken after 1 year when interest on a 1 year term deposit, with payable annual int is 6.00% pa . Break cost payable the depositor is approx $103.68.
RaboBank Short Term Deposits
 $50,000
 $249,999
 3.40
 4.00
 4.15
 4.30
 3.60
 4.05
 3.05
 Withdrawal Requests must be in writing, If Rabobank agrees to the early termination, a break cost on the part terminated may be deducted from the depositor and / *or* interest. Break costs increase in line with increases in the following : Interest rates / the amount withdrawn / and the market margin. Further information is available on request :Example : ( Illustration only ) $10,000 -2 year deposit with an interest rate of 5.00% PA, payable annual, broken after 1 year when interest on a 1 year term deposit, with payable annual int is 6.00% pa . Break cost payable the depositor is approx $103.68.
RaboPlus RaboPlus Term Deposit (online)
 $1,000
4.50
4.00

3.60
The termination fee is equal to our break costs plus a processing fee of $25.00.
Select Credit Union Term Deposit
 $1,000
 $500,000

5.75

5.25
Maximum interest rate of .50%p.a will be paid
SERVICE ONE Members Banking Term Deposit
 $500
 $4,999

2.00
 2.00
 2.00
 2.50
 2.50
 0.10% interest on withdrawal amount
SERVICE ONE Members Banking Term Deposit
 $5,000
 $19,999

5.75
 5.75
 5.75
 4.75
 4.75
 0.1% interest on withdrawal amount
SERVICE ONE Members Banking Term Deposit
 $20,000
 $49,999

5.75
 5.75
 5.75
 5.00
 5.00
 0.1% interest on withdrawal amount
St. George Bank Short Term Deposit
 $1,000
 $4,999
 2.50
 4.75
 2.50
 2.50
 2.50
 2.50
 2.50
 If you withdraw an amount during the term of a Fixed Term Deposit, we may reduce the interest rate payable on the amount withdrawn. Please see the terms and conditions applying to the Fixed Term Accounts for more information.
St. George Bank Short Term Deposit
 $5,000
 $19,999
 2.50
 4.75
 2.50
 2.50
 2.50
 2.50
 2.50
 If you withdraw an amount during the term of a Fixed Term Deposit, we may reduce the interest rate payable on the amount withdrawn. Please see the terms and conditions applying to the Fixed Term Accounts for more information.
St. George Bank Short Term Deposit
 $20,000
 $49,999
 3.00
 5.25
 3.00
 3.00
 3.00
 3.00
 3.00
 If you withdraw an amount during the term of a Fixed Term Deposit, we may reduce the interest rate payable on the amount withdrawn. Please see the terms and conditions applying to the Fixed Term Accounts for more information.
St. George Bank Short Term Deposit
 $50,000
 $99,999
 4.00
 6.40
 4.00
 4.00
 6.00
 4.00
 4.00
 If you withdraw an amount during the term of a Fixed Term Deposit, we may reduce the interest rate payable on the amount withdrawn. Please see the terms and conditions applying to the Fixed Term Accounts for more information.
St. George Bank Short Term Deposit
 $100,000
 $249,999
 4.00
 6.40
 4.00
 4.00
 6.00
 4.00
 4.00
 If you withdraw an amount during the term of a Fixed Term Deposit, we may reduce the interest rate payable on the amount withdrawn. Please see the terms and conditions applying to the Fixed Term Accounts for more information.
St. George Bank Short Term Deposit
 $250,000
 $499,999
 4.00
 6.40
 4.00
 4.00
 6.00
 4.00
 4.00
 If you withdraw an amount during the term of a Fixed Term Deposit, we may reduce the interest rate payable on the amount withdrawn. Please see the terms and conditions applying to the Fixed Term Accounts for more information.

Institution Product Name Tier Interest Rates (days) Early Withdrawal Penalties
Min Max 30 60 90 120 150 180 270
Suncorp Short Term Deposit
 $1,000
 $9,999
 1.50
 1.70
 2.50
 2.25
 2.25
 2.25
 2.25
 An interest adjustment will apply for early withdrawal
Suncorp Short Term Deposit
 $10,000
 $24,999
 1.60
 2.00
 4.40
 3.20
 3.20
 3.20
 3.20
 An interest adjustment will apply for early withdrawal
Suncorp Short Term Deposit
 $25,000
 $49,999
 3.00
 3.10
 5.55
 3.40
 3.40
 3.40
 3.40
 An interest adjustment will apply for early withdrawal.
Suncorp Short Term Deposit
 $50,000
3.20
 3.30
 5.55
 3.60
 3.60
 3.60
 3.60
 An interest adjustment will apply for early withdrawal
Sydney Credit Union Special Offer - 8.20% on $20,000 TD over 5 mths

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 8.20
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Sydney Credit Union Short Term Deposit
 $5,000
 $19,999

4.15

4.20
 4.20
Sydney Credit Union Short Term Deposit
 $20,000
 $49,999.99

4.20

4.30
 4.30
Sydney Credit Union Short Term Deposit
 $50,000
 $99,999.99

4.20

4.30
 4.30
Sydney Credit Union ShortTerm Deposit
 $100,000


4.25

4.35
 4.35
Westpac Banking Corporation Short Term Deposits
 $5,000
 $9,999
 0.80
 1.10
 2.60
 4.80
 2.60
 2.60
 2.60
 An interest rate adjustment may apply if the deposit is terminated prior to maturity
Westpac Banking Corporation Short Term Deposit
 $10,000
 $19,999
 0.90
 1.20
 2.70
 4.80
 2.70
 2.70
 2.70
 An interest rate adjustment may apply if the deposit is terminated prior to maturity
Westpac Banking Corporation Short Term Deposit
 $20,000
 $49,999
 1.00
 1.30
 2.80
 4.80
 2.80
 2.80
 2.80
 An interest rate adjustment may apply if the deposit is terminated prior to maturity
Westpac Banking Corporation Short Term Deposit
 $50,000
 $99,999
 1.10
 1.40
 2.90
 4.80
 2.90
 2.90
 2.90
 An interest rate adjustment may apply if the deposit is terminated prior to maturity
Westpac Banking Corporation Short Term Deposit
 $100,000
 $249,999
 1.20
 1.50
 3.00
 4.80
 3.00
 3.00
 3.00
 An interest rate adjustment may apply if the deposit is terminated prior to maturity
AMP Banking Short Term Deposit
 $5,000
 $24,999
 3.85
 3.85
 3.85
 5.30
 3.85
 3.85
 3.85
 Nil. Interest Rate Reduction will apply.

Institution Product Name Tier Interest Rates (days) Early Withdrawal Penalties
Min Max 30 60 90 120 150 180 270
AMP Banking Short Term Deposit
 $25,000
 $99,999
 4.05
 4.05
 4.05
 5.50
 4.05
 4.05
 4.05
 Nil. Interest Rate Reduction wil apply.
AMP Banking Short Term Deposit
 $100,000
 $249,999
 4.05
 4.05
 4.05
 5.00
 4.05
 4.05
 4.05
 Ni. Interest Rate Reduction will apply.
ANZ Bank Short Term Deposit
 $5,000
 $24,999
 1.00
 2.00
 5.40
 2.75
 2.75
 4.50
 3.00
 For all term deposits opened *or* reinvested from 6 December 2004 an administration Fee of $30 plus a rate reduction based on:0 to 20% of term elapsed - 90% reduction,20 to 40% of term elapsed - 80% reduction,40 to 60% of term elapsed - 60% reduction,60 to 80% of term elapsed - 40% reduction,80 to 100% of term elapsed - 20% reduction.See ANZ website for penalties applied to accounts opened before 6 December 2004.
ANZ Bank Short Term Deposit
 $25,000
 $49,999
 1.00
 2.00
 5.40
 3.00
 3.00
 4.50
 3.25
 For all term deposits opened *or* reinvested from 6 December 2004 an administration Fee of $30 plus a rate reduction based on:0 to 20% of term elapsed - 90% reduction,20 to 40% of term elapsed - 80% reduction,40 to 60% of term elapsed - 60% reduction,60 to 80% of term elapsed - 40% reduction,80 to 100% of term elapsed - 20% reduction.See ANZ website for penalties applied to accounts opened before 6 December 2004.
ANZ Bank Short Term Deposit
 $50,000
 $99,999
 1.00
 2.00
 5.40
 3.25
 3.25
 4.50
 3.50
 For all term deposits opened *or* reinvested from 6 December 2004 an administration Fee of $30 plus a rate reduction based on:0 to 20% of term elapsed - 90% reduction,20 to 40% of term elapsed - 80% reduction,40 to 60% of term elapsed - 60% reduction,60 to 80% of term elapsed - 40% reduction,80 to 100% of term elapsed - 20% reduction.See ANZ website for penalties applied to accounts opened before 6 December 2004.
ANZ Bank Short Term Deposit
 $100,000
 $250,000
 1.00
 2.00
 5.40
 3.75
 3.75
 4.50
 3.75
 For all term deposits opened *or* reinvested from 6 December 2004 an administration Fee of $30 plus a rate reduction based on:0 to 20% of term elapsed - 90% reduction,20 to 40% of term elapsed - 80% reduction,40 to 60% of term elapsed - 60% reduction,60 to 80% of term elapsed - 40% reduction,80 to 100% of term elapsed - 20% reduction.See ANZ website for penalties applied to accounts opened before 6 December 2004.
Arab Bank Short Term Deposit
$1,999
 2.00
 2.00
2.65
 2.25
 2.50
 1.75
 Replacement cost plus a 1% margin (refer PDS)
Arab Bank Short Term Deposit
 $2,000
 $499,999
 4.75
 4.75
5.40
 5.00
 5.25
 4.50
 Replacement cost plus a 1% margin (Refer PDS)