Term Deposit - Interest on Maturity Option

A Newcastle Permanent Term Deposit is designed for individuals and businesses looking for a secure investment option with a guaranteed rate of return. Our Term Deposit offers a fixed rate of interest on the fixed amount you have invested, for the investment term you have selected. There are no annual or monthly account keeping fees. Your money stays in your account, working harder for you.

Investment Term	Annual Interest Rate (from 06 Jan 2009 to 06 Jan 2009 inclusive)
Investment Term	$1,000 to $4,999	$5,000 to $19,999	$20,000 to $49,999	$50,000 to $99,999	$100,000 plus
1 month	N/A	N/A	N/A	N/A	4.60%
2 months	N/A	N/A	N/A	N/A	4.60%
3 months	3.50%	5.60%	5.60%	5.60%	5.60%
4 months	3.50%	5.50%	5.50%	5.50%	5.50%
5 months	3.50%	4.60%	4.60%	4.60%	4.60%
6 months	3.50%	4.50%	4.50%	4.50%	4.50%
7 months	3.50%	4.60%	4.60%	4.60%	4.60%
8 months	3.40%	3.40%	3.40%	3.50%	3.50%
9 months	3.40%	3.40%	3.40%	3.50%	3.50%
10 months	3.40%	3.40%	3.40%	3.50%	3.50%
11 months	3.40%	3.40%	3.40%	3.50%	3.50%
12 months	3.50%	4.35%	4.35%	4.35%	4.35%
Interest rate for withdrawal of funds prior to the maturity date.	0.50% pa	0.50% pa	0.50% pa	0.50% pa	0.50% pa

Term Deposit - Monthly Interest Option

Investment Term	Annual Interest Rate (from 06 Jan 2009 to 06 Jan 2009 inclusive)
Investment Term	$1,000 to $4,999	$5,000 to $19,999	$20,000 to $49,999	$50,000 to $99,999	$100,000 plus
1 month	N/A	N/A	N/A	N/A	N/A
2 months	N/A	N/A	N/A	N/A	N/A
3 months	N/A	N/A	5.46%	5.46%	5.46%
4 months	N/A	N/A	5.37%	5.37%	5.37%
5 months	N/A	N/A	4.51%	4.51%	4.51%
6 months	N/A	N/A	4.41%	4.41%	4.41%
7 months	N/A	N/A	4.51%	4.51%	4.51%
8 months	N/A	N/A	3.35%	3.45%	3.45%
9 months	N/A	N/A	3.35%	3.45%	3.45%
10 months	N/A	N/A	3.35%	3.45%	3.45%
11 months	N/A	N/A	3.35%	3.45%	3.45%
12 months	3.45%	4.27%	4.27%	4.27%	4.27%
Interest rate for withdrawal of funds prior to the maturity date.	0.50% pa	0.50% pa	0.50% pa	0.50% pa	0.50% pa

Method of calculating interest:

A single, fixed interest rate applies to the whole balance of your account. For more information, see clause 7.7 of the terms and conditions in Part 1 of the Terms and Conditions.

A name you can trust

With Newcastle Permanent you have the added peace of mind that you are dealing with an organisation you know and trust. Newcastle Permanent has obtained a credit rating from Standard & Poor's a globally recognised credit rating agency.
Credit rating: Standard & Poor's BBB+/Stable/A-2.

Newcastle Permanent has also achieved the distinction of becoming the first Australian building society to receive an A grade deposit/issuer investment rating. The long term issuer and deposit rating of A2 was awarded by Moody's Investor Services, a leading global provider of ratings, research and analysis.