Business Term Deposit

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

Term depositsBank updated 29 Oct 2026

At a glance

Best rate: 5.30% for 12m
12 months: 5.30%
Min deposit: $1,000

How it compares

This term deposit in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

Typical 5.30%

4.6%4.8%5%5.2%5.4%5.6%

This term deposit: 5.30%Every other institution's highest, 16 in all

Best rate for a 12-month term. One dot per institution, at its highest 12-month business term deposit rate anyone can apply for; hover or tap a dot for its name.

Rate	This term deposit	Best anywhere	Typical institution	Where it sits
Business 12-month term depositBest rate for a 12-month term	5.30%	5.70%AMP Bank GO 12 Month Business Term Deposit	5.30%of 17 institutions	8th highest of 17, level with 4 others

Rates

Every rate St. George Bank publishes for this term deposit, 36 in all.

Its best rate at each term

1 mo1.40%
2 mo1.65%
3 motypical 4.60%3.25%
4 mo3.40%
5 mo3.45%
6 motypical 5.10%3.40%
7 mo3.55%
8 mo3.60%
9 mo3.65%
10 mo3.70%
11 mo3.75%
1 yrtypical 5.30%5.30%
13 mo4.70%
2 yrstypical 4.90%4.50%
3 yrstypical 4.25%4.00%
4 yrs4.00%
5 yrstypical 4.00%4.00%

This term depositTypical institution's best for the term

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	-	5.30%	-	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

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

Eligibility and limits

Minimum age 18
Available to businesses
Opening 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.
31 days notice required to access funds prior to maturity (except hardship); interest rate adjustment usually applies

Compare it with others

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

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Published by St.George Bank under the Consumer Data Right, last changed by them on 29 Oct 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.