Term Deposits

Save your pennies with the certainty of a fixed term deposit rate.

Beyond Bank Term Deposits are a good way to invest your money. Put your money away, knowing that your interest rate is guaranteed not to change for the fixed period, so you'll know exactly what your investment's worth.

When you choose a Beyond Bank Term Deposit, you decide on the amount of money to invest, the investment period, along with guaranteed fixed term deposit rates. Interest is paid monthly, annually or at the end of the investment period1.

We also offer the Government Guarantee2 for term deposits up to $250,000.

We believe in prosperity for the many, not the few. Beyond Bank is a mutual bank, which means we don’t serve share market investors. Instead, we offer you lower fees, lower lending rates, higher investment rates, better banking products and support for community projects. Join the bank that gives back.


fixed for 3 months
For balances between 5,000-19,999


High-interest term deposits

  • Earn great interest with our highest interest rates
  • No monthly account keeping fee
  • Invest as little as $500
  • Invest your money for as little as three months, or up to five years
  • Choose when you get your interest payments. Choose monthly, annually or at maturity1.
  • Securely backed by the Government Guarantee2
  • Use our mobile banking app to check your balances, see how much interest you’ve earned and find out the latest rates


Fees apply for early withdrawals. Refer to our Fees and Charges booklet for more information.

Choose from

Short-Term Deposit

2.25 %* p.a.

Investments from three months.
Interest paid at maturity.
Find Out More

Medium-Term Deposit

2.35 %* p.a.

Investments from six months.
Interest paid at maturity. Find Out More

Long-Term Deposit

2.50 %* p.a.

Investments from 12 months. Interest is paid either monthly or annually. Find Out More

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1. See our Interest Rates Schedule for terms and conditions. 

2. Account holders may be covered by the Commonwealth Government's Financial Claims Scheme. Deposits are subject to a limit. For more information on the Financial Claims Scheme, please contact us.

Before acquiring the product, you should consider if it is right for you. For full terms, conditions, fees and charges please view our Financial Services Guide, Product Guide and Fees and Charges Guide. These guides are available upon request, can be viewed on our website and will be provided at the time of acquiring the product. Interest rates are subject to change without notice.

* Interest rate is current as of 07/03/2017. For balances $5,000 - $19,999

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For the security of your accounts, Internet Banking no longer supports Internet Explorer 8 or earlier versions.

As you may know, Microsoft recently made the decision to discontinue its support of Internet Explorer 8 (IE8). This leaves users exposed to potential security risks. As a result, Beyond Bank's Internet Banking will no longer support Internet Explorer 8 or earlier versions. Going forward, Beyond Bank will support Internet Explorer 9 or later to ensure the security of your accounts.

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