Newcastle Permanent
Term Deposit
A Term Deposit is a secure way to boost your savings, simply open an account, select your term and enjoy the rewards of a high interest investment.
Term depositsBank updated 25 Aug 2026
At a glance
- Best rate
- 5.15% for 12m
- 12 months
- 5.15%
- Min deposit
- $1,000
§ 01 — Rates · 40
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed21 - 45 days Interest paid at maturity | — | — | $1,000+ | 1.00% | — | paid at maturity; P21D - P45D |
| Fixed46 - 75 days Interest paid at maturity | — | — | $1,000+ | 1.00% | — | paid at maturity; P46D - P75D |
| Fixed196 - 225 days Interest paid at maturity | — | — | $1,000+ | 3.60% | — | paid at maturity; P196D - P225D |
| Fixed226 - 255 days Interest paid at maturity | — | — | $1,000+ | 3.60% | — | paid at maturity; P226D - P255D |
| Fixed256 - 285 days Interest paid at maturity | — | — | $1,000+ | 3.60% | — | paid at maturity; P256D - P285D |
| Fixed286 - 315 days Interest paid at maturity | — | — | $1,000+ | 3.60% | — | paid at maturity; P286D - P315D |
| Fixed316 - 345 days Interest paid at maturity | — | — | $1,000+ | 3.60% | — | paid at maturity; P316D - P345D |
| Fixed106 - 135 days Interest paid at maturity | — | — | $1,000+ | 3.75% | — | paid at maturity; P106D - P135D |
| Fixed136 - 165 days Interest paid at maturity | — | — | $1,000+ | 3.75% | — | paid at maturity; P136D - P165D |
| Fixed76 - 105 days Interest paid at maturity | — | — | $1,000+ | 4.50% | — | paid at maturity; P76D - P105D |
| Fixed166 - 195 days Interest paid at maturity | — | — | $1,000+ | 5.10% | — | paid at maturity; P166D - P195D |
| Fixed346 - 385 days Interest paid at maturity | — | — | $1,000+ | 5.25% | — | paid at maturity; P346D - P385D |
| Fixed196 - 225 days Interest paid monthly | — | — | $1,000+ | 3.50% | — | paid every 1 mo; P196D - P225D |
| Fixed226 - 255 days Interest paid monthly | — | — | $1,000+ | 3.50% | — | paid every 1 mo; P226D - P255D |
| Fixed256 - 285 days Interest paid monthly | — | — | $1,000+ | 3.50% | — | paid every 1 mo; P256D - P285D |
| Fixed286 - 315 days Interest paid monthly | — | — | $1,000+ | 3.50% | — | paid every 1 mo; P286D - P315D |
| Fixed316 - 345 days Interest paid monthly | — | — | $1,000+ | 3.50% | — | paid every 1 mo; P316D - P345D |
| Fixed106 - 135 days Interest paid monthly | — | — | $1,000+ | 3.65% | — | paid every 1 mo; P106D - P135D |
| Fixed136 - 165 days Interest paid monthly | — | — | $1,000+ | 3.65% | — | paid every 1 mo; P136D - P165D |
| Fixed76 - 105 days Interest paid monthly | — | — | $1,000+ | 4.40% | — | paid every 1 mo; P76D - P105D |
| Fixed166 - 195 days Interest paid monthly | — | — | $1,000+ | 5.00% | — | paid every 1 mo; P166D - P195D |
| Fixed346 - 385 days Interest paid monthly | — | — | $1,000+ | 5.15% | — | paid every 1 mo; P346D - P385D |
| Fixed1 year Interest paid quarterly | — | 1 yr | $1,000+ | 5.15% | — | paid every 3 mo |
| Fixed1 year Interest paid half-yearly | — | 1 yr | $1,000+ | 5.15% | — | paid every 6 mo |
| Fixed2 years Interest paid monthly | — | 2 yrs | $1,000+ | 4.15% | — | paid every 1 mo |
| Fixed2 years Interest paid annually | — | 2 yrs | $1,000+ | 4.25% | — | paid every 1 yr |
| Fixed2 years Interest paid quarterly | — | 2 yrs | $1,000+ | 4.15% | — | paid every 3 mo |
| Fixed2 years Interest paid half-yearly | — | 2 yrs | $1,000+ | 4.15% | — | paid every 6 mo |
| Fixed3 years Interest paid monthly | — | 3 yrs | $1,000+ | 3.65% | — | paid every 1 mo |
| Fixed3 years Interest paid annually | — | 3 yrs | $1,000+ | 3.75% | — | paid every 1 yr |
| Fixed3 years Interest paid quarterly | — | 3 yrs | $1,000+ | 3.65% | — | paid every 3 mo |
| Fixed3 years Interest paid half-yearly | — | 3 yrs | $1,000+ | 3.65% | — | paid every 6 mo |
| Fixed4 years Interest paid monthly | — | 4 yrs | $1,000+ | 3.45% | — | paid every 1 mo |
| Fixed4 years Interest paid annually | — | 4 yrs | $1,000+ | 3.55% | — | paid every 1 yr |
| Fixed4 years Interest paid quarterly | — | 4 yrs | $1,000+ | 3.45% | — | paid every 3 mo |
| Fixed4 years Interest paid half-yearly | — | 4 yrs | $1,000+ | 3.45% | — | paid every 6 mo |
| Fixed5 years Interest paid monthly | — | 5 yrs | $1,000+ | 3.45% | — | paid every 1 mo |
| Fixed5 years Interest paid annually | — | 5 yrs | $1,000+ | 3.55% | — | paid every 1 yr |
| Fixed5 years Interest paid quarterly | — | 5 yrs | $1,000+ | 3.45% | — | paid every 3 mo |
| Fixed5 years Interest paid half-yearly | — | 5 yrs | $1,000+ | 3.45% | — | paid every 6 mo |
§ 02 — Fees · 3
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Document and Miscellaneous Service | Enquiry | Varies | — | $60/hour (min $10/copy) |
| Financial Institution Cheque Replacement | Replacement | $15 | — | — |
| Real Time Gross Settlements (RTGS) | Withdrawal | $30 | — | When you send an RTGS |
§ 03 — Features
Digital bankingRelationship manager
- · For Term Deposits opened or last renewed before 23 February 2026, early withdrawals earn a reduced interest rate of 0.01% p.a. for the period invested. For Term Deposits opened or renewed from 23 Feb…
§ 04 — Eligibility & limits
- · Minimum age 14
- · Residency: Living in Australia and have an Australian residential address
- · Minimum balance $1,000
- · Opening balance $1,000
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Newcastle Permanent under the Consumer Data Right, last changed by them on 25 Aug 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.