All Investment Account Interest Rates

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.

Our Platinum Account is an investment product that allows you to enjoy the best of both worlds, with competitive Professional Money Market rates for funds in a fixed investment term combined with an attractive interest rate for at call funds.

Term Deposit - Interest on Maturity Option

Investment Term	Annual Interest Rate (As at 07 Feb 2012)
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	4.55%
2 months	N/A	N/A	N/A	N/A	4.55%
3 months	3.00%	5.50%	5.50%	5.50%	5.50%
4 months	3.00%	5.60%	5.60%	5.60%	5.60%
5 months	3.00%	4.00%	4.00%	4.00%	4.00%
6 months	3.00%	5.40%	5.40%	5.40%	5.40%
7 months	3.00%	5.00%	5.00%	5.00%	5.00%
8 months	3.00%	4.00%	4.00%	4.00%	4.00%
9 months	3.00%	5.00%	5.00%	5.00%	5.00%
10 months	3.00%	4.00%	4.00%	4.00%	4.00%
11 months	3.00%	4.00%	4.00%	4.00%	4.00%
12 months	4.60%	5.00%	5.00%	5.00%	5.00%
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 (As at 07 Feb 2012)
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	5.37%	5.37%	5.37%
4 months	N/A	N/A	5.46%	5.46%	5.46%
5 months	N/A	N/A	3.93%	3.93%	3.93%
6 months	N/A	N/A	5.27%	5.27%	5.27%
7 months	N/A	N/A	4.89%	4.89%	4.89%
8 months	N/A	N/A	3.93%	3.93%	3.93%
9 months	N/A	N/A	4.89%	4.89%	4.89%
10 months	N/A	N/A	3.93%	3.93%	3.93%
11 months	N/A	N/A	3.93%	3.93%	3.93%
12 months	4.51%	4.89%	4.89%	4.89%	4.89%
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.

Gold Term Interest on Maturity Option Interest Rates

Investment Term	Interest Payment Option	Annual Interest Rate (As at 07 Feb 2012)
Investment Term	Interest Payment Option	$100,000 to $200,000 invested (Renewals Only)	$200,000 plus invested
21 - 45 days	On Maturity date	4.55%	4.55%
46 - 75 days	On Maturity date	4.55%	4.55%
76 - 105 days	On Maturity date	5.50%	5.50%
106 - 135 days	On Maturity date	5.60%	5.60%
136 - 165 days	On Maturity date	4.00%	4.00%
166 - 195 days	On Maturity date	5.40%	5.40%
196 - 225 days	On Maturity date	5.00%	5.00%
226 - 255 days	On Maturity date	4.00%	4.00%
256 - 285 days	On Maturity date	5.00%	5.00%
286 - 315 days	On Maturity date	4.00%	4.00%
316 - 345 days	On Maturity date	4.00%	4.00%
346 - 385 days	On Maturity date	5.00%	5.00%
Interest rate for withdrawal of funds prior to the maturity date.		0.50% pa

Gold Term Deposit Monthly, Quarterly, Half Yearly Interest Option Interest Rate

Investment Term	Interest Payment Option	Annual Interest Rate (As at 07 Feb 2012)
Investment Term	Interest Payment Option	$100,000 to $200,000 invested (Renewals Only)	$200,000 plus invested
21 - 45 days	Monthly Interest	N/A	N/A
46 - 75 days	Monthly Interest	N/A	N/A
76 - 105 days	Monthly Interest	5.37%	5.37%
106 - 135 days	Monthly Interest	5.46%	5.46%
136 - 165 days	Monthly Interest	3.93%	3.93%
166 - 195 days	Monthly Interest	5.27%	5.27%
196 - 225 days	Monthly Interest	4.89%	4.89%
226 - 255 days	Monthly Interest	3.93%	3.93%
256 - 285 days	Monthly Interest	4.89%	4.89%
286 - 315 days	Monthly Interest	3.93%	3.93%
316 - 345 days	Monthly Interest	3.93%	3.93%
346 - 385 days	Monthly Interest	4.89%	4.89%
365 days	Quarterly Interest	4.91%	4.91%
365 days	Half Yearly Interest	4.94%	4.94%
2 years	Quarterly Interest	5.20%	5.20%
3 years	Quarterly Interest	5.20%	5.20%
4 years	Quarterly Interest	5.29%	5.29%
5 years	Quarterly Interest	5.68%	5.68%
Interest rate for withdrawal of funds prior to the maturity date.		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.

Platinum At-Call Account Interest Rates

Aggregate Balance of your Platinum Deposit Accounts	Annual Interest Rate (as at 07 Feb 2012)	Method of Calculating Interest	How Interest is Calculated	When Interest is Calculated
Entire balance of your At-Call account where the aggregate balance of your Platinum Deposit accounts is equal to or exceeds $500,000	4.15% pa †	Single Tiered Interest	We apply the daily percentage rate* to the balance of your account at the end of each day.	Interest is credited to your account monthly after the close of business at the end of the month.
Entire balance of you At-Call account where the aggregate balance of your Platinum Deposit accounts is less then $500,000	2.00% pa †	Single Tiered Interest	We apply the daily percentage rate* to the balance of your account at the end of each day.	Interest is credited to your account monthly after the close of business at the end of the month.
Penalty Interest on Overdrawn Account		20.00% pa on amount overdrawn

Method of calculating interest:
Single Tiered Interest - Means a single interest rate applies to the entire balance of your account.
* The daily percentage rate is the relevant annual interest rate(s) divided by 365.
† If the aggregate minimum balance of your Platinum Deposit Accounts falls below $500,000, the interest rate applying to your Platinum At-Call Deposit Account will be that applying to deposits below $500,000 from the next business day. If the aggregate minimum balance of your Platinum Deposit Accounts increases to above $500,000, the interest rate applying to your Platinum At-Call Deposit Account will be that applying to deposits above $500,000 from the next business day.

Platinum Fixed Term Interest Rates (Indicative only)

Investment Term (Months)	Investment Term (Days)	Interest Payment Option*	Annual Interest Rate (as at 07 Feb 2012)
Investment Term (Months)	Investment Term (Days)	Interest Payment Option*	When aggregated balances exceed $500,000
1	21 - 45 days	On Maturity date	4.55%
2	46 - 75 days	On Maturity date	4.55%
3	76 - 105 days	On Maturity date	5.50%
4	106 - 135 days	On Maturity date	5.60%
5	136 - 165 days	On Maturity date	4.28%
6	166 - 195 days	On Maturity date	5.40%
7	196 - 225 days	On Maturity date	5.00%
8	226 - 255 days	On Maturity date	4.18%
9	256 - 285 days	On Maturity date	5.00%
10	286 - 315 days	On Maturity date	4.07%
11	316 - 345 days	On Maturity date	4.02%
12	346 - 385 days	On Maturity date	5.00%
Interest rate for withdrawal of funds prior to the maturity date.		0.50% pa

* Monthly, quarterly or half yearly interest payment options may be available depending on the term selected, contact our Treasury Department on (02) 4927 4563 for details and applicable interest rates.

Method of calculating interest:
Fixed Interest - A single, fixed interest rate applies to the whole balance of your account. For more information, see clause 8.7 of the terms and conditions in Part 1 of the Terms and Conditions.

All Investment Account Interest Rates

Term Deposit - Interest on Maturity Option

Term Deposit - Monthly Interest Option

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.

Gold Term Interest on Maturity Option Interest Rates

Gold Term Deposit Monthly, Quarterly, Half Yearly Interest Option Interest Rate

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.

Platinum At-Call Account Interest Rates

Platinum Fixed Term Interest Rates (Indicative only)

* Monthly, quarterly or half yearly interest payment options may be available depending on the term selected, contact our Treasury Department on (02) 4927 4563 for details and applicable interest rates.

Method of calculating interest: Fixed Interest - A single, fixed interest rate applies to the whole balance of your account. For more information, see clause 8.7 of the terms and conditions in Part 1 of the Terms and Conditions.

Method of calculating interest:
Fixed Interest - A single, fixed interest rate applies to the whole balance of your account. For more information, see clause 8.7 of the terms and conditions in Part 1 of the Terms and Conditions.