Long Term Deposits

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Long Term Deposits

If you are looking to invest your money somewhere that is safe and secure, without the need to constantly worry about the return of interest, then long term deposits might be your answer. Most long term deposits are tiered which means they offer better interest rates for larger deposit amounts. For example, you might get a better rate if you deposited $50,000 as opposed to $10,000. And RateCity makes this all the more easy to compare - you can enter in the amount of money you would like to deposit and we'll display a list of term deposit offered by hundreds of financial institutions for that particular deposit amount and ranked by the highest interest rates.

Long term deposits are usually featured with higher interest rates than shorter term deposits and that’s because financial institutions want to encourage people to deposit their money for a longer period of time. That way they can in effect make better investments out of your money because they have the almost certain guarantee that you will leave your money in the account for the contracted period.

Compare from the long term term deposit accounts listed in the table above.

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Company Product Nominal Rate Effective Rate Payment Frequency Go To Site
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Suncorp Bank Term Deposits 3.75% 3.75% Annually Go to Site
Hume Building Society Term Deposits 3.5% 3.5% Annually Details
Bank of Melbourne Term Deposits 3.35% 3.35% Annually Go to Site
BankSA Term Deposits 3.35% 3.35% Annually Go to Site
St.George Bank Term Deposits 3.35% 3.35% Annually Go to Site
St.George Bank-Vic Term Deposit 3.35% 3.35% Annually Go to Site
Westpac Term Deposits 3.3% 3.3% Annually Go to Site
Quay Credit Union Term Deposit 3.25% 3.25% Annually Details
Intech Credit Union Term Deposits 2.55% 2.55% Annually Details
IMB Term Deposits 2.5% 2.5% Annually Details
Citibank Term Deposits 1.93% 1.93% Annually Details

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Data last updated April 18th, 2014

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Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Read our detailed disclosure here.