The CapricornianTerm Deposit
Have peace of mind in your investment with a term deposit from The Capricornian our term deposits can be invested in a 3, 6, 12 or 24-month terms.
At a glance
- Best rate
- 5.20% for 12m
- 12 months
- 5.20%
- Min deposit
- $5,000
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.
| Rate | This term deposit | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| 3-month term depositBest rate for 3 months | 4.30% | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions | 34th highest of 55, level with 6 others |
| 6-month term depositBest rate for 6 months | 4.95% | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions | 40th highest of 63, level with one other |
| 12-month term depositBest rate for 12 months | 5.20% | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions | 47th highest of 65, level with 5 others |
| 2-year term depositBest rate for 2 years | 5.10% | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions | 17th highest of 55 |
Rates
Every rate The Capricornian publishes for this term deposit, 8 in all.
Its best rate at each term
- 3 motypical 4.60%4.30%
- 6 motypical 5.10%4.95%
- 1 yrtypical 5.30%5.20%
- 2 yrstypical 4.90%5.10%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedMonthly interest option will incur a 0.20% reduction of interest paid at maturity rates | - | 1 yr | $5,000–$250,000 | 5.00% | - | paid at maturity |
| FixedMonthly interest option will incur a 0.20% reduction of interest paid at maturity rates | - | 1 yr | $5,000–$250,000 | 5.20% | - | paid at maturity |
| FixedMonthly interest option will incur a 0.20% reduction of interest paid at maturity rates | - | 2 yrs | $5,000–$250,000 | 4.90% | - | paid at maturity |
| FixedMonthly interest option will incur a 0.20% reduction of interest paid at maturity rates. | - | 2 yrs | $5,000–$250,000 | 5.10% | - | paid at maturity |
| FixedMonthly interest option will incur a 0.20% reduction of interest paid at maturity rates. | - | 3 mo | $5,000–$250,000 | 4.10% | - | paid at maturity |
| FixedMonthly interest option will incur a 0.20% reduction of interest paid at maturity rates | - | 3 mo | $5,000–$250,000 | 4.30% | - | paid at maturity |
| FixedMonthly interest option will incur a 0.20% reduction of interest paid at maturity rates | - | 6 mo | $5,000–$250,000 | 4.75% | - | paid at maturity |
| FixedMonthly interest option will incur a 0.20% reduction of interest paid at maturity rates | - | 6 mo | $5,000–$250,000 | 4.95% | - | paid at maturity |
Fees
One fee published, grouped by when they're charged.
When you make a transaction1
- Early Redemption Penalty
The penalty applied to an early redemption of a Fixed Term Deposit is 30 Days interest on the redeeming portion of the deposit.
No fee
Features
None published.
Eligibility and limits
- Residency: Individuals must be citizens or permanent residents of Australia
- Minimum balance $5,000
- Available to individuals, companies and trust for personal or business use.
- Is currently, or wishes to become, a shareholding member of The Capricornian Ltd.
Compare it with others
Put this product through a calculator
Published by The Capricornian under the Consumer Data Right, last changed by them on 6 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.