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

Institution Tier Interest Rates (days) Early withdrawal penalties Min Max 30 60 90 120 150 180 270 ANZ Bank $50,000 $99,999 2.80 2.80 2.50 3.60 2.50 2.50 2.50 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 $100,000 $250,000 3.01 2.98 2.50 3.60 2.89 2.50 2.86 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 $2,000 $499,999 3.50 3.50 4.25 3.55 2.65 3.40 2.85 Replacement cost plus a 1% margin (Refer PDS) Bank of Queensland $50,000 $99,999.99 1.55 4.10 2.10 2.10 4.30 2.10 2.10 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 $100,000 $250,000 1.55 4.10 2.15 2.15 4.30 2.15 2.15 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 $1,000 $5,000,000 - - 4.01 - - 3.70 - An interest adjustment will apply for early withdrawal - please refer to the BankWest website for details. BankWest $5,000 $2,000,000 1.50 1.50 2.20 2.20 4.10 2.20 2.20 An interest adjustment will apply for early withdrawal - please refer to the BankWest website for details. Citibank $50,000 $99,999 1.33 1.47 4.25 1.65 1.91 4.30 2.18 50% of the interest earnt to the date of break Citibank $100,000 $249,999 1.33 1.42 4.25 4.64 1.91 4.30 2.28 50% of the interest earnt to the date of break Commonwealth Bank $50,000 $99,999 2.00 2.00 2.00 3.70 2.00 2.00 2.00 $30 administration fee plus there may be a reduction in the interest paid but this can be negotiated with your branch. Commonwealth Bank $100,000 $499,999 2.50 2.50 2.50 3.70 2.50 2.50 2.50 $30 administration fee plus there may be a reduction in the interest paid but this can be negotiated with your branch. Elders Rural Bank $50,000 $149,999 3.00 3.00 4.25 3.10 3.10 4.00 3.15 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 $150,000 $500,000 3.25 3.25 4.25 3.30 3.30 4.00 3.30 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. ING Direct - - 3.25 - 3.75 - - 4.25 - 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. NAB $50,000 $99,999 1.10 1.40 3.70 2.15 3.70 2.15 2.15 Interest would be calculated on the rate applicable to the reduced term of the investment rather than at the original rate. NAB $100,000 $500,000 1.20 1.50 3.70 2.20 3.70 2.20 2.20 Interest would be calculated on the rate applicable to the reduced term of the investment rather than at the original rate. RaboBank $50,000 $249,999 1.95 2.45 2.70 2.85 2.35 2.85 2.40 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 $1,000 - 3.20 - 4.50 - - 3.10 - The termination fee is equal to our break costs plus a processing fee of $25.00. St. George Bank $50,000 $99,999 1.50 1.50 1.50 3.75 2.00 2.00 3.55 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 $100,000 $249,999 1.50 1.50 1.50 3.75 2.00 2.00 4.05 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. Suncorp - $999,999,999 3.55 3.55 3.75 4.30 3.50 3.45 3.75 Last quarter of term - 20% of interest accruedThird quarter of term - 40% of interest accruedSecond quarter of term - 60% of interest accruedFirst quarter of term - 80% of interest accrued Suncorp $50,000 $50,000,000 1.90 2.00 3.25 4.25 2.25 2.25 2.25 An interest adjustment will apply for early withdrawal Westpac Banking Corporation $50,000 $99,999 1.10 1.40 2.50 3.70 2.50 2.50 2.50 An interest rate adjustment may apply if the deposit is terminated prior to maturity Westpac Banking Corporation $100,000 $249,999 1.20 1.50 2.50 3.70 2.50 2.50 2.50 An interest rate adjustment may apply if the deposit is terminated prior to maturity

WHAT NEXT

• Click the check boxes in the far right-hand column and click COMPARE for a side-by-side comparison of up to three accounts.
• Click ‘Product Name’ for detailed loan information
• Click ‘APPLY’ to apply online or the Institution name for more information from that provider.
• Change the selection and search again.
• Just browse tables of all the accounts available, arranged by type.
• Have you checked out the high interest on offer in online savings accounts? Click here.
• Read our Tips & Tricks on choosing a savings or transaction account.