Business Term Deposit

Lock away your money for a period of time and get a guaranteed return

Term depositsBank updated 21 Sept 2026

At a glance

Best rate: 5.20% for 12m
12 months: 5.20%
Min deposit: $1,000

§ 01 — Rates · 36

Type	Applies to	Term	Band	Rate	Comparison	Conditions
BonusPLUS, an additional 0.10% p.a. online bonus offer2 when you open or renew online	—	—	—	0.10%	—	paid at maturity; Online only
FixedInterest paid at maturity	—	1 mo	—	1.40%	—	paid at maturity; Min deposit amount
Fixed	—	10 mo	—	3.70%	—	paid at maturity; Min deposit amount
Fixed	—	10 mo	—	3.65%	—	paid every 1 mo; Min deposit amount
Fixed	—	11 mo	—	3.75%	—	paid at maturity; Min deposit amount
Fixed	—	11 mo	—	3.70%	—	paid every 1 mo; Min deposit amount
Fixed	—	1 yr	—	4.75%	—	paid at maturity; Min deposit amount
Fixed12 month offer available for a limited time only on Term Deposits opened or renewed by existing St.George personal or business customers.	—	1 yr	—	5.20%	—	paid at maturity; Min deposit amount
Fixed	—	1 yr	—	4.70%	—	paid every 1 mo; Min deposit amount
Fixed	—	1 yr	—	4.70%	—	paid every 6 mo; Min deposit amount
Fixed	—	13 mo	—	4.70%	—	paid every 1 mo; Min deposit amount
Fixed	—	13 mo	—	4.70%	—	paid every 6 mo; Min deposit amount
FixedInterest paid at maturity	—	2 mo	—	1.65%	—	paid at maturity; Min deposit amount
Fixed	—	2 yrs	—	4.50%	—	paid at maturity; Min deposit amount
Fixed	—	2 yrs	—	4.45%	—	paid every 1 mo; Min deposit amount
Fixed	—	2 yrs	—	4.45%	—	paid every 6 mo; Min deposit amount
FixedInterest paid at maturity	—	3 mo	—	3.25%	—	paid at maturity; Min deposit amount
Fixed	—	3 yrs	—	4.00%	—	paid at maturity; Min deposit amount
Fixed	—	3 yrs	—	3.95%	—	paid every 1 mo; Min deposit amount
Fixed	—	3 yrs	—	3.95%	—	paid every 6 mo; Min deposit amount
FixedInterest paid at maturity	—	4 mo	—	3.40%	—	paid at maturity; Min deposit amount
Fixed	—	4 yrs	—	4.00%	—	paid at maturity; Min deposit amount
Fixed	—	4 yrs	—	3.95%	—	paid every 1 mo; Min deposit amount
Fixed	—	4 yrs	—	3.95%	—	paid every 6 mo; Min deposit amount
FixedInterest paid at maturity	—	5 mo	—	3.45%	—	paid at maturity; Min deposit amount
FixedInterest paid at maturity	—	6 mo	—	3.40%	—	paid at maturity; Min deposit amount
Fixed	—	6 mo	—	3.35%	—	paid every 1 mo; Min deposit amount
Fixed	—	5 yrs	—	4.00%	—	paid at maturity; Min deposit amount
Fixed	—	5 yrs	—	3.95%	—	paid every 1 mo; Min deposit amount
Fixed	—	5 yrs	—	3.95%	—	paid every 6 mo; Min deposit amount
Fixed	—	7 mo	—	3.55%	—	paid at maturity; Min deposit amount
Fixed	—	7 mo	—	3.50%	—	paid every 1 mo; Min deposit amount
Fixed	—	8 mo	—	3.60%	—	paid at maturity; Min deposit amount
Fixed	—	8 mo	—	3.55%	—	paid every 1 mo; Min deposit amount
Fixed	—	9 mo	—	3.65%	—	paid at maturity; Min deposit amount
Fixed	—	9 mo	—	3.60%	—	paid every 1 mo; Min deposit amount

§ 03 — Features

Digital banking

· The reassurance of a guaranteed return on your investment.
· Avoid market fluctuations with a specific amount locked away at a fixed interest rate (with no immediate access to funds during the term)
· Choose a term length that matches your business cycle
· Add 0.10% p.a. to these rates if you're already with St.George and opening or renewing online. It?s only available to existing customers who bank online and in the app.
· Earn Interest: Interest can be paid at maturity, annually, half yearly or monthly.
· Flexibility : Flexible maturity options from 1 month to 5 years.
· Business customers are eligible to open an account and can open account either by Branch, Phone, online.
· Opening Confirmation, Maturity, Reinvestment and Repayment advices are sent as regular advices
· Interest payment options are available

§ 04 — Eligibility & limits

· Minimum age 18
· Available to businesses
· Minimum balance $1,000
· You must be an existing St.George banking customer
· Online application and online bonus rate available for personal customers and sole traders only.

§ 05 — Compare

All term deposits →Other St.George Bank term deposits Everything St.George Bank publishes

§ 06 — Run the numbers

Put this product through a calculator

Term deposit calculator

Interest earned for a deposit, term and rate.

Rate comparator

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Published by St.George Bank under the Consumer Data Right, last changed by them on 21 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.