|
Institution |
Product Name |
Tier |
Interest Rates (days) |
Early Withdrawal Penalties |
 |
| Min |
Max |
30 |
60 |
90 |
120 |
150 |
180 |
270 |
AMP Banking |
Short Term Deposit
|
$5,000
|
$24,999
|
6.85
|
5.85
|
7.70
|
5.85
|
7.65
|
6.05
|
5.85
|
Nil. Interest Rate Reduction will apply.
|
|
AMP Banking |
Short Term Deposit
|
$25,000
|
$99,999
|
7.05
|
6.05
|
7.90
|
6.05
|
7.85
|
6.25
|
6.05
|
Nil. Interest Rate Reduction wil apply.
|
|
AMP Banking |
Short Term Deposit
|
$100,000
|
$249,999
|
7.05
|
6.05
|
7.90
|
6.05
|
7.85
|
6.25
|
6.05
|
Ni. Interest Rate Reduction will apply.
|
|
| ANZ Bank |
Short Term Deposit
|
$5,000
|
$24,999
|
1.00
|
2.50
|
6.80
|
3.25
|
3.25
|
6.30
|
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
|
$25,000
|
$49,999
|
2.35
|
3.25
|
6.80
|
3.50
|
3.50
|
6.30
|
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.
|
|
| ANZ Bank |
Short Term Deposit
|
$50,000
|
$99,999
|
2.35
|
3.50
|
7.00
|
3.75
|
3.75
|
6.50
|
4.00
|
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
|
$100,000
|
$250,000
|
2.35
|
3.75
|
7.00
|
4.25
|
4.25
|
6.50
|
4.25
|
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.
|
|
| Arab Bank |
Short Term Deposit
|
|
$1,999
|
4.35
|
4.35
|
4.35
|
4.35
|
4.35
|
5.35
|
3.50
|
Replacement cost plus a 1% margin (refer PDS)
|
|
| Arab Bank |
Short Term Deposit
|
$2,000
|
$499,999
|
7.10
|
7.10
|
7.10
|
7.10
|
7.10
|
7.10
|
6.25
|
Replacement cost plus a 1% margin (Refer PDS)
|
|
| Bananacoast Community Credit Union |
Standard Term Deposit
|
$1,000
|
$4,999.99
|
3.90
|
4.15
|
5.40
|
4.80
|
4.80
|
4.40
|
4.40
|
At BCU's absolute discretion, we may consider a request for the full or partial withdrawal of the term deposit before maturity. If we agree to the request, the rate of interest payable on the deposit for the whole of the term to the date of the withdrawl will be the rate applying to the Christmas Club Account at the time of the withdrawl and may result in the recovery of interest already paid.
|
|
| Bananacoast Community Credit Union |
55 Plus Term Deposit - Interest Paid Monthly
|
$5,000
|
$19,999.99
|
|
|
5.20
|
|
|
4.70
|
|
At BCU's absolute discretion, we may consider a request for the full or partial withdrawal of the term deposit before maturity. If we agree to the request, the rate of interest payable on the deposit for the whole of the term to the date of the withdrawl will be the rate applying to the Christmas Club Account at the time of the withdrawl and may result in the recovery of interest already paid.
|
|
| Bananacoast Community Credit Union |
Standard Term Deposit
|
$5,000
|
$19,999.99
|
4.00
|
4.25
|
5.60
|
5.00
|
5.00
|
4.50
|
4.50
|
At BCU's absolute discretion, we may consider a request for the full or partial withdrawal of the term deposit before maturity. If we agree to the request, the rate of interest payable on the deposit for the whole of the term to the date of the withdrawl will be the rate applying to the Christmas Club Account at the time of the withdrawl and may result in the recovery of interest already paid.
|
|
| Bananacoast Community Credit Union |
55 Plus Term Deposit - Interest Paid Monthly
|
$20,000
|
$49,999.99
|
|
|
5.20
|
|
|
4.95
|
|
At BCU's absolute discretion, we may consider a request for the full or partial withdrawal of the term deposit before maturity. If we agree to the request, the rate of interest payable on the deposit for the whole of the term to the date of the withdrawl will be the rate applying to the Christmas Club Account at the time of the withdrawl and may result in the recovery of interest already paid.
|
|
| Bananacoast Community Credit Union |
Standard Term Deposit
|
$20,000
|
$49,999.99
|
4.00
|
4.25
|
5.70
|
5.25
|
5.25
|
4.75
|
4.50
|
At BCU's absolute discretion, we may consider a request for the full or partial withdrawal of the term deposit before maturity. If we agree to the request, the rate of interest payable on the deposit for the whole of the term to the date of the withdrawl will be the rate applying to the Christmas Club Account at the time of the withdrawl and may result in the recovery of interest already paid.
|
|
| Bananacoast Community Credit Union |
Standard Term Deposit
|
$50,000
|
$99,999.99
|
4.00
|
4.25
|
5.80
|
5.50
|
5.50
|
5.00
|
4.75
|
At BCU's absolute discretion, we may consider a request for the full or partial withdrawal of the term deposit before maturity. If we agree to the request, the rate of interest payable on the deposit for the whole of the term to the date of the withdrawl will be the rate applying to the Christmas Club Account at the time of the withdrawl and may result in the recovery of interest already paid.
|
|
|
Institution |
Product Name |
Tier |
Interest Rates (days) |
Early Withdrawal Penalties |
 |
| Min |
Max |
30 |
60 |
90 |
120 |
150 |
180 |
270 |
| Bananacoast Community Credit Union |
55 Plus Term Deposit - Interest Paid Monthly
|
$50,000
|
$99,999.99
|
|
|
5.45
|
|
|
5.20
|
|
At BCU's absolute discretion, we may consider a request for the full or partial withdrawal of the term deposit before maturity. If we agree to the request, the rate of interest payable on the deposit for the whole of the term to the date of the withdrawl will be the rate applying to the Christmas Club Account at the time of the withdrawl and may result in the recovery of interest already paid.
|
|
| Bananacoast Community Credit Union |
55 Plus Term Deposit - Interest Paid Monthly
|
$100,000
|
$250,000
|
|
|
6.15
|
|
|
5.60
|
|
At BCU's absolute discretion, we may consider a request for the full or partial withdrawal of the term deposit before maturity. If we agree to the request, the rate of interest payable on the deposit for the whole of the term to the date of the withdrawl will be the rate applying to the Christmas Club Account at the time of the withdrawl and may result in the recovery of interest already paid.
|
|
| Bananacoast Community Credit Union |
Standard Term Deposit
|
$100,000
|
$250,000
|
5.60
|
5.80
|
6.10
|
6.00
|
6.00
|
5.40
|
5.25
|
At BCU's absolute discretion, we may consider a request for the full or partial withdrawal of the term deposit before maturity. If we agree to the request, the rate of interest payable on the deposit for the whole of the term to the date of the withdrawl will be the rate applying to the Christmas Club Account at the time of the withdrawl and may result in the recovery of interest already paid.
|
|
| Bananacoast Community Credit Union |
55 Plus Term Deposit
|
$250,000
|
|
7.85
|
NaN
|
NaN
|
NaN
|
NaN
|
NaN
|
NaN
|
At BCU's absolute discretion, we may consider a request for the full or partial withdrawal of the term deposit before maturity. If we agree to the request the rate of interest payable on the deposit for the whole of the term to the date of the withdrawal will be the rate applying to the Xmas Club Account at the time of the withdrawal and may result in the recovery of interest already paid.
|
|
| Bananacoast Community Credit Union |
Standard Term Deposit
|
$250,000
|
|
5.70
|
5.90
|
6.30
|
6.10
|
6.10
|
5.50
|
5.35
|
At BCU's absolute discetion, we may consider a request for the full or partial withdrawal of the term deposit before maturity. If we agree to the request the rate of interest payable on the deposit for the whole of the term to the date of withdrawal will be the rate applying to the Christmas Club account at the time of the withdrawal and mat result in the recovery of interest already paid.
|
|
| Bananacoast Community Credit Union |
55 Plus Term Deposit - Interest Paid Monthly
|
$250,000
|
|
|
NaN
|
6.25
|
NaN
|
NaN
|
5.70
|
NaN
|
At BCU's absolute discretion, we may consider a request for the full or partial withdrawal of the term deposit before maturity. If we agree to the request the rate of interest payable on the deposit for the whole of the term to the date of the withdrawal will be the rate applying to the Xmas Club Account at the time of the withdrawal and may result in the recovery of interest already paid.
|
|
Bank of Queensland |
Premier Investment
|
$1,000
|
$4,999.99
|
0.90
|
1.25
|
2.00
|
3.40
|
4.20
|
4.25
|
4.25
|
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
|
2.95
|
4.65
|
7.10
|
5.00
|
5.00
|
5.00
|
5.00
|
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
|
4.05
|
4.75
|
7.10
|
5.10
|
5.10
|
5.10
|
5.10
|
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
|
$50,000
|
$99,999.99
|
4.45
|
4.75
|
7.10
|
5.10
|
5.10
|
5.10
|
5.10
|
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
|
4.65
|
4.75
|
7.10
|
5.15
|
5.15
|
5.15
|
5.15
|
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.
|
|
Bankstown City Credit Union |
MoneyMax T6
|
$5,000
|
$50,000
|
NaN
|
NaN
|
NaN
|
NaN
|
NaN
|
6.40
|
NaN
|
One Month Interest
|
|
Bankstown City Credit Union |
Term Deposit - 6 months
|
$5,000
|
$500,000
|
7.85
|
|
|
|
|
7.70
|
|
One month interest penalty
|
|
Bankstown City Credit Union |
MoneyMax T6
|
$50,000
|
$300,000
|
NaN
|
NaN
|
NaN
|
NaN
|
NaN
|
6.70
|
NaN
|
One month interest
|
|
Bankstown City Credit Union |
MoneyMax T6
|
$300,000
|
|
NaN
|
NaN
|
NaN
|
NaN
|
NaN
|
7.00
|
NaN
|
One Month Interest
|
|
|
Institution |
Product Name |
Tier |
Interest Rates (days) |
Early Withdrawal Penalties |
 |
| Min |
Max |
30 |
60 |
90 |
120 |
150 |
180 |
270 |
BankWest |
bankwest tddirect (online)
|
$1,000
|
$5,000,000
|
|
|
7.80
|
|
|
6.25
|
|
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
|
4.00
|
4.00
|
7.00
|
4.25
|
4.25
|
4.25
|
4.25
|
An interest adjustment will apply for early withdrawal - please refer to the BankWest website for details.
|
|
Citibank |
Citibank Term Deposit
|
$10,000
|
$19,999
|
4.75
|
4.87
|
6.07
|
6.06
|
6.05
|
6.03
|
5.83
|
50% of the interest earnt to the date of break
|
|
Citibank |
Citibank Term Deposit
|
$20,000
|
$49,999
|
5.25
|
5.37
|
6.32
|
6.35
|
6.29
|
6.28
|
6.08
|
50% of the interest earnt to the date of break
|
|
Citibank |
Citibank Term Deposit
|
$50,000
|
$99,999
|
5.45
|
5.77
|
6.53
|
6.51
|
6.49
|
6.47
|
6.39
|
50% of the interest earnt to the date of break
|
|
Citibank |
Citibank Term Deposit Special Rates
|
$50,000
|
$100,000
|
NaN
|
NaN
|
7.50
|
NaN
|
NaN
|
NaN
|
NaN
|
50% of the interest earnt to the date of break
|
|
Citibank |
Citibank Term Deposit
|
$100,000
|
$249,999
|
6.70
|
6.72
|
6.83
|
6.82
|
6.80
|
6.78
|
6.58
|
50% of the interest earnt to the date of break
|
|
Citibank |
Citibank Term Deposit
|
$250,000
|
$499,999
|
6.70
|
6.72
|
6.83
|
6.82
|
6.80
|
6.78
|
6.58
|
50% of the interest earnt to the date of break
|
|
Citibank |
Citibank Term Deposit
|
$500,000
|
$999,999
|
6.70
|
6.72
|
6.83
|
6.82
|
6.80
|
6.78
|
6.58
|
50% of the interest earnt to the date of break
|
|
Citibank |
Citibank Term Deposit
|
$1,000,000
|
$99,999,999
|
6.70
|
6.72
|
6.83
|
6.82
|
6.80
|
6.78
|
6.58
|
50% of the interest earnt to the date of break
|
|
| Commonwealth Bank |
Short Term Deposit
|
$5,000
|
$9,999
|
2.80
|
3.15
|
3.15
|
3.15
|
3.20
|
3.30
|
3.40
|
$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
|
$10,000
|
$49,999
|
2.95
|
3.50
|
6.00
|
3.60
|
5.50
|
3.60
|
3.75
|
$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
|
3.00
|
3.55
|
6.00
|
3.90
|
5.50
|
4.25
|
4.35
|
$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
|
3.70
|
4.20
|
6.00
|
4.45
|
5.50
|
4.70
|
4.80
|
$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
|
|
|
6.00
|
|
NaN
|
6.10
|
NaN
|
Less than 25% into term 3%25% to less than 50% into term 2%50% or more into term 1%
|
|
|
Institution |
Product Name |
Tier |
Interest Rates (days) |
Early Withdrawal Penalties |
 |
| Min |
Max |
30 |
60 |
90 |
120 |
150 |
180 |
270 |
Community First Credit Union |
Term Specials
|
$20,000
|
|
NaN
|
NaN
|
NaN
|
NaN
|
7.60
|
NaN
|
NaN
|
|
|
Community First Credit Union |
Short Term Deposit
|
$20,000
|
$49,999
|
|
|
6.10
|
NaN
|
|
6.20
|
NaN
|
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
|
|
|
6.20
|
NaN
|
NaN
|
6.40
|
NaN
|
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
|
|
|
6.50
|
NaN
|
NaN
|
6.60
|
NaN
|
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
|
|
|
5.00
|
|
2% reduced interest rate
|
|
| Comtax Credit Union |
TERM DEPOSIT
|
$5,000
|
$24,999
|
|
|
7.00
|
|
|
7.25
|
|
2% reduced interest rate
|
|
| Comtax Credit Union |
TERM DEPOST
|
$25,000
|
$100,000
|
|
|
7.25
|
|
|
7.50
|
|
2% reduced interest rate
|
|
CUA |
Short Term Deposit
|
$1,000
|
$9,999
|
2.75
|
3.00
|
6.25
|
6.20
|
6.15
|
6.10
|
6.15
|
|
|
CUA |
Short Term Deposit
|
$10,000
|
|
4.10
|
4.10
|
7.25
|
7.20
|
7.15
|
7.10
|
7.15
|
|
|
CUA |
CUA Special offer
|
$50,000
|
$1,000,000
|
NaN
|
NaN
|
NaN
|
NaN
|
NaN
|
NaN
|
NaN
|
|
|
| Elders Rural Bank |
ERBonline Term Deposit (online)
|
|
|
|
|
7.70
|
|
|
8.05
|
|
Any request for a full or partial withdrawal prior to maturity date will be subject to an interest rate reduction at the bank's discretion. ERBonline Term Deposits must be opened online at www.erbonline.com.au
|
|
| 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
|
4.75
|
4.75
|
7.90
|
5.50
|
5.50
|
8.20
|
6.75
|
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
|
$10,000
|
$24,999
|
4.75
|
4.75
|
7.90
|
5.50
|
5.50
|
8.20
|
6.75
|
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
|
$25,000
|
$49,999
|
6.00
|
6.00
|
7.70
|
6.80
|
6.80
|
8.05
|
6.75
|
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.
|
|
|
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
|
$50,000
|
$149,999
|
6.10
|
6.10
|
7.70
|
6.90
|
6.90
|
8.05
|
6.75
|
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
|
6.25
|
6.25
|
7.70
|
7.00
|
7.00
|
8.05
|
6.75
|
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
|
$250,000
|
$500,000
|
6.25
|
6.50
|
7.70
|
7.00
|
7.00
|
8.05
|
6.75
|
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.
|
|
Encompass Credit Union |
Term deposit ($1,000 - $9,999)
|
$1,000
|
$9,999
|
|
|
6.00
|
6.00
|
6.00
|
6.00
|
6.00
|
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
|
|
|
7.15
|
7.15
|
7.15
|
7.15
|
7.35
|
Interest rate reverts to Access Plus account rate - interest calculation backdated to date at which term deposit was first opened.
|
|
Encompass Credit Union |
Special Offer For New Money
|
$20,000
|
|
NaN
|
NaN
|
NaN
|
NaN
|
NaN
|
NaN
|
8.40
|
|
|
Encompass Credit Union |
Term deposit ($50,000 up to $99,999)
|
$50,000
|
$99,999
|
|
|
7.20
|
7.20
|
7.20
|
7.20
|
7.60
|
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
|
|
|
|
7.40
|
7.40
|
7.40
|
7.40
|
7.60
|
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
|
NaN
|
5.70
|
4.70
|
4.70
|
4.70
|
5.50
|
4.80
|
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
|
NaN
|
7.00
|
6.00
|
6.00
|
6.00
|
6.80
|
6.10
|
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
|
NaN
|
7.20
|
6.20
|
6.20
|
6.20
|
7.00
|
6.30
|
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
|
$100,000
|
$199,999.99
|
7.20
|
7.20
|
6.50
|
6.50
|
6.50
|
7.00
|
6.50
|
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
|
|
7.20
|
7.20
|
6.50
|
6.50
|
6.50
|
7.00
|
6.50
|
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
|
4.37
|
4.50
|
4.85
|
4.79
|
4.75
|
4.72
|
4.46
|
http://www.hsbc.com.au/personal/accounts/td.html
|
|
HSBC |
Short Term Deposit
|
$20,000
|
$49,999
|
4.47
|
4.60
|
4.95
|
7.20
|
7.00
|
4.82
|
4.56
|
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.
|
|
|
Institution |
Product Name |
Tier |
Interest Rates (days) |
Early Withdrawal Penalties |
 |
| Min |
Max |
30 |
60 |
90 |
120 |
150 |
180 |
270 |
HSBC |
Short Term Deposit
|
$50,000
|
$99,999
|
4.49
|
4.62
|
4.97
|
7.20
|
7.00
|
4.84
|
4.58
|
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
|
4.53
|
4.65
|
4.97
|
7.20
|
7.00
|
4.85
|
4.59
|
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
|
4.56
|
4.68
|
4.97
|
7.20
|
7.00
|
4.86
|
4.60
|
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
|
|
|
3.55
|
3.55
|
3.55
|
3.65
|
3.65
|
$10 plus a 2% reduction of overall Term Deposit rate
|
|
| Illawarra Credit Union |
Term Deposit
|
$5,000
|
$9,999
|
|
|
7.05
|
5.60
|
5.60
|
5.80
|
5.80
|
$10 plus a 2% reduction of overall Term Deposit rate
|
|
| Illawarra Credit Union |
Term Deposit
|
$10,000
|
$24,999
|
|
|
7.15
|
5.80
|
5.80
|
5.90
|
5.90
|
$10 plus a 2% reduction of overall Term Deposit rate
|
|
| Illawarra Credit Union |
Term Deposit
|
$25,000
|
$99,999
|
|
|
8.00
|
5.95
|
5.95
|
7.50
|
7.50
|
$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
|
7.00
|
5.10
|
5.10
|
6.50
|
5.45
|
|
|
IMB |
Short Term Deposit
|
$25,000
|
$49,999
|
2.80
|
2.80
|
7.00
|
5.20
|
5.20
|
6.50
|
5.55
|
|
|
IMB |
Short Term Deposit
|
$50,000
|
$99,999
|
3.40
|
3.40
|
7.00
|
5.30
|
5.30
|
6.50
|
5.55
|
|
|
ING Direct |
Short Term Deposit (online)
|
|
|
6.00
|
|
7.25
|
|
|
6.00
|
|
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
|
|
|
5.75
|
|
|
6.25
|
|
Interest recast at savings account rate at the discretion of the credit union
|
|
Intech Credit Union Limited |
Term Deposit
|
$20,000
|
$49,999
|
|
|
6.50
|
|
|
6.50
|
|
Interest recast at savings account rate at the discretion of the credit union
|
|
Intech Credit Union Limited |
Term Deposit
|
$50,000
|
$99,999
|
|
|
6.65
|
|
|
6.75
|
|
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
|
$100,000
|
$500,000
|
|
|
7.01
|
|
|
7.01
|
|
Interest recast at savings account rate at the discretion of the credit union
|
|
| Macquarie Private Wealth |
Macquarie Bank Term Deposit
|
$10,000
|
|
7.20
|
|
7.40
|
|
|
7.40
|
7.40
|
|
|
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.
|
|
Members Equity Bank |
ME Term Deposits
|
$250,000
|
$499,999
|
NaN
|
NaN
|
6.30
|
NaN
|
NaN
|
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
|
2.10
|
2.50
|
4.70
|
6.20
|
4.25
|
4.50
|
4.50
|
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
|
3.25
|
2.75
|
5.00
|
6.20
|
4.55
|
4.55
|
4.55
|
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
|
4.00
|
2.80
|
5.00
|
6.20
|
4.55
|
4.55
|
4.55
|
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
|
5.00
|
4.45
|
5.00
|
6.20
|
4.60
|
4.60
|
4.60
|
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
|
5.00
|
4.50
|
5.00
|
6.20
|
4.60
|
4.60
|
4.60
|
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 |
| |