IMB Bank
Term Deposit
Earn great returns with an IMB Term Deposit. An IMB Term Deposit offers competitive returns for investment terms from 1 month up to 5 years for amounts of $1,000 or more. Term Deposits are a secure way to grow your savings for the future!
Term depositsBank updated 22 Sept 2026
At a glance
- Best rate
- 5.15% for 12m
- 12 months
- 5.15%
- Min deposit
- $1,000
§ 01 — Rates · 30
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed9 to less than 12 months - Interest paid on Maturity | — | 11 mo | $1,000+ | 2.25% | — | P9M/P11M |
| Fixed9 to less than 12 months - Interest paid 6 monthly and on Maturity | — | 11 mo | $1,000+ | 2.25% | — | paid every 6 mo; P9M/P11M |
| Fixed9 to less than 12 months - Interest paid Monthly (every 28 days) | — | 11 mo | $5,000+ | 2.20% | — | paid every 1 mo; P9M/P11M |
| Fixed12 months - Interest paid on Maturity | — | 1 yr | $1,000+ | 2.25% | — | paid every 1 yr |
| Fixed12 months - Interest paid Fortnightly (every 14 days) | — | 1 yr | $2,000+ | 2.15% | — | — |
| Fixed12 month Special - Interest paid Monthly (every 28 days) | — | 1 yr | $5,000+ | 5.03% | — | paid every 1 mo |
| Fixed12 month Special - Interest paid on Maturity | — | 1 yr | $5,000+ | 5.15% | — | paid every 1 yr |
| Fixed1 to less than 3 months - Interest paid on Maturity | — | 2 mo | $1,000+ | 1.25% | — | P1M/P2M |
| Fixed12 to less than 24 months - Interest paid 6 monthly and on Maturity | — | 23 mo | $1,000+ | 2.25% | — | paid every 6 mo; P12M/P23M |
| Fixed12 to less than 24 months - Interest paid Monthly (every 28 days) | — | 23 mo | $5,000+ | 2.20% | — | paid every 1 mo; P12M/P23M |
| Fixed24 month Special - Interest paid Monthly (every 28 days) | — | 2 yrs | $5,000+ | 4.40% | — | paid every 1 mo |
| Fixed24 month Special - Interest paid Annually | — | 2 yrs | $5,000+ | 4.50% | — | paid every 1 yr |
| Fixed3 month Special - Interest paid on Maturity | — | 3 mo | $5,000+ | 5.00% | — | paid every 3 mo |
| Fixed24 to less than 36 months - Interest paid 6 monthly and on Maturity | — | 35 mo | $1,000+ | 2.25% | — | paid every 6 mo; P24M/P35M |
| Fixed24 to less than 36 months - Interest paid Monthly (every 28 days) | — | 35 mo | $5,000+ | 2.20% | — | paid every 1 mo; P24M/P35M |
| Fixed36 month Special - Interest paid Annually | — | 3 yrs | $5,000+ | 4.50% | — | paid every 1 yr |
| Fixed36 to less than 48 months - Interest paid 6 monthly and on Maturity | — | 47 mo | $1,000+ | 2.25% | — | paid every 6 mo; P36M/P47M |
| Fixed36 to less than 48 months - Interest paid Monthly (every 28 days) | — | 47 mo | $5,000+ | 2.20% | — | paid every 1 mo; P36M/P47M |
| Fixed48 month Special - Interest paid Annually | — | 4 yrs | $5,000+ | 4.00% | — | paid every 1 yr |
| Fixed3 to less than 6 months - Interest paid on Maturity | — | 5 mo | $1,000+ | 1.50% | — | P3M/P5M |
| Fixed3 to less than 6 months - Interest paid Monthly (every 28 days) | — | 5 mo | $5,000+ | 1.45% | — | paid every 1 mo; P3M/P5M |
| Fixed48 to less than 60 months - Interest paid 6 monthly and on Maturity | — | 59 mo | $1,000+ | 2.25% | — | paid every 6 mo; P48M/P59M |
| Fixed48 to less than 60 months - Interest paid Monthly (every 28 days) | — | 59 mo | $5,000+ | 2.20% | — | paid every 1 mo; P48M/P59M |
| Fixed6 month Special - Interest paid on Maturity | — | 6 mo | $5,000+ | 5.10% | — | paid every 6 mo |
| Fixed60 months - Interest paid 6 monthly and on Maturity | — | 5 yrs | $1,000+ | 2.25% | — | paid every 6 mo |
| Fixed60 month - Interest paid Monthly (every 28 days) | — | 5 yrs | $5,000+ | 2.20% | — | paid every 1 mo |
| Fixed60 month Special - Interest paid Annually | — | 5 yrs | $5,000+ | 4.00% | — | paid every 1 yr |
| Fixed6 to less than 9 months - Interest paid on Maturity | — | 8 mo | $1,000+ | 2.25% | — | P6M/P8M |
| Fixed6 to less than 9 months - Interest paid 6 monthly and on Maturity | — | 8 mo | $1,000+ | 2.25% | — | paid every 6 mo; P6M/P8M |
| Fixed6 to less than 9 months - Interest paid Monthly (every 28 days) | — | 8 mo | $5,000+ | 2.20% | — | paid every 1 mo; P6M/P8M |
§ 02 — Fees · 20
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Bulk coin count | Deposit | $5 | — | Maximum charge |
| Foreign cheque conversion (value AU$10,000 and greater) | Deposit | $50 | — | Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties |
| Foreign cheque conversion (value less than AU$10,000) | Deposit | $25 | — | Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties |
| Manual deposit other institution | Deposit | $10 | — | — |
| Audit Certificate | Event | $30 | — | Per certificate |
| Copy of Financial Institution cheque | Event | $16 | — | Maximum charge. Charges either wholly or partly imposed by third parties. |
| Copy of withdrawal or deposit form | Event | $15 | — | — |
| Interest statement - Electronic | Event | $2.50 | — | Per page |
| Recalculation of interest | Event | $30 | — | Per page |
| Research fee | Event | $30 | — | Per page |
| Retrieval of archived documents | Event | $20 | — | Per page |
| SMS Alerts | Event | $0.25 | — | Per alert |
| Special clearance on cheques | Event | $16 | — | Maximum charge. Charges either wholly or partly imposed by third parties. |
| Stop payment fee (IMB cheques) | Event | $12.50 | — | Maximum charge. Charges either wholly or partly imposed by third parties. |
| Trace on Financial Institution cheque | Event | $50 | — | Charges either wholly or partly imposed by third parties. |
| Transaction Listing - Electronic - 10 pages and over | Event | $0.50 | — | Per page |
| Transaction Listing - Electronic - up to 10 pages | Event | $5 | — | — |
| Unclaimed monies/dormant account | Event | $40 | — | Maximum charge per account |
| Purchase of foreign currency | Withdrawal | 1.00% of transaction | — | $10 or 1% of the value of the total order (whichever is greater). |
| Total cash withdrawal over $2,000 in a day | Withdrawal | 0.20% of transaction | — | A fee of 0.2% of total cash withdrawals is charged for total cash withdrawals over $2000 in a day. |
§ 03 — Features
Digital bankingFraud protection
- · IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.
- · IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone.
- · IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm
§ 04 — Eligibility & limits
- · Minimum balance $1,000
- · Opening balance $1,000
- · The mininum term
§ 06 — Run the numbers
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Published by IMB Bank under the Consumer Data Right, last changed by them on 22 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.