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Term Deposit

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Calculate term deposit interest for Delphi Bank

Deposit amount

Savings term

months

Pros and Cons

Pros:
  • Covered By government guarantee
Cons:
  • Interest cannot be paid to other institution

Delphi Bank term deposit rates

Savings Term
$1,000 - $49,999
$50,000 - $249,999
$250,000 - $5,000,000
1 month 1.18%1.25%1.25%
2 months 1.30%1.45%1.45%
3 months 1.85%1.85%1.85%
4 months 1.30%1.45%1.50%
5 months 1.30%1.45%1.50%
6 months 1.65%1.65%1.65%
9 months 1.00%1.20%1.45%
1 year 1.30%1.60%1.70%
2 years 1.50%1.90%1.90%
3 years 1.50%1.90%1.90%
4 years 1.50%1.90%1.90%
5 years 1.50%2.00%2.00%

Features

Fees

FAQs

“Can I negotiate a fixed term deposit rate with the bank?” you may be wondering.

Many banks welcome negotiation when it comes to term deposit rates, especially with deposits of over $100,000. Even if your deposit is lower than $100,000, it may be worth a discussion with your bank.

Negotiating with your bank could secure you a higher fixed rate, which will earn you extra interest over your term. You may also discover bonuses or special offers you can acquire through your bank.

Securing the highest interest rate possible is the key to making the most of your term deposit. You may have compared deposits online or discussed your options with a financial adviser, but you also might be wondering about negotiation in order to get a better rate.

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