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Terms and Conditions
PART 3: Schedule of Interest Rates for Term Deposit and Gold Term Deposit Accounts

This document is Part 3 of the Terms and Conditions for Term Deposit and Gold Term Accounts. The other documents that make up the Terms and Conditions are:

  • Part 1: Key Features Statement and Terms and Conditions for Term Deposit and Gold Term Deposit Accounts - Download (PDF 162kb)
  • Part 2: Schedule of Fees, Charges and Daily Limits for Term Deposit and Gold Term Deposit Accounts - Download (PDF 72kb)

 However, we may give you this document on its own (without the other documents that make up these Terms and Conditions). In that case, this document does not form part of the Terms and Conditions unless we tell you otherwise.

You should consider the Terms and Conditions in deciding whether to acquire, or continue to hold, any of the products the subject of the Terms and Conditions. The issuer of the products in the Terms and Conditions is Newcastle Permanent Building Society Ltd. ABN 96 087 651 992, AFSL 238273.

To obtain a copy of the Terms and Conditions, please call our Member Support Centre 13 19 87, visit one of our branches or view our Tems and Conditions online.

Term Deposit - Interest on Maturity Option
Investment Term Annual Interest Rate
(from 21 Nov 2008 to 22 Nov 2008 inclusive)
$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 5.00%
2 months N/A N/A N/A N/A 5.00%
3 months 3.50% 6.10% 6.40% 6.60% 6.60%
4 months 3.50% 4.80% 4.80% 5.00% 5.00%
5 months 3.50% 4.80% 4.80% 5.00% 5.00%
6 months 3.50% 5.20% 5.50% 5.60% 5.60%
7 months 3.50% 4.70% 4.70% 4.70% 4.70%
8 months 3.50% 4.70% 4.70% 4.70% 4.70%
9 months 3.50% 4.70% 4.70% 4.70% 4.70%
10 months 3.50% 4.70% 4.70% 4.70% 4.70%
11 months 3.50% 4.70% 4.70% 4.70% 4.70%
12 months 3.50% 5.10% 5.10% 5.10% 5.10%
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 21 Nov 2008 to 22 Nov 2008 inclusive)
$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 6.22% 6.41% 6.41%
4 months N/A N/A 4.70% 4.89% 4.89%
5 months N/A N/A 4.70% 4.89% 4.89%
6 months N/A N/A 5.37% 5.46% 5.46%
7 months N/A N/A 4.60% 4.60% 4.60%
8 months N/A N/A 4.60% 4.60% 4.60%
9 months N/A N/A 4.60% 4.60% 4.60%
10 months N/A N/A 4.60% 4.60% 4.60%
11 months N/A N/A 4.60% 4.60% 4.60%
12 months 3.45% 4.98% 4.98% 4.98% 4.98%
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


Gold Term Deposit Account Interest Rates

Interest rates for Gold Term Deposit Accounts are based on the prevailing interest rate of the day. Our current interest rates are set out below.

These rates are indicative only. For the most up-to-date information on interest rates applying to our Gold Term Deposit Accounts please contact our Treasury Department on (02) 4927 4559.

Gold Term Interest on Maturity Option Interest Rates
Investment Term Interest Payment Option Annual Interest Rate
(from 21 Nov 2008 to
22 Nov 2008 inclusive)
$100,000 to $200,000 invested
(Renewals Only) 		$200,000 plus invested
21 - 45 days On Maturity date 5.00% 5.10%
46 - 75 days On Maturity date 5.00% 5.10%
76 - 105 days On Maturity date 6.60% 6.60%
106 - 135 days On Maturity date 5.00% 5.10%
136 - 165 days On Maturity date 5.00% 5.10%
166 - 195 days On Maturity date 5.60% 5.60%
196 - 225 days On Maturity date 4.70% 4.80%
226 - 255 days On Maturity date 4.70% 4.80%
256 - 285 days On Maturity date 4.70% 4.80%
286 - 315 days On Maturity date 4.70% 4.80%
316 - 345 days On Maturity date 4.70% 4.80%
346 - 385 days On Maturity date 5.10% 5.10%
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
(from 21 Nov 2008 to
22 Nov 2008 inclusive)
$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 6.41% 6.41%
106 - 135 days Monthly Interest 4.89% 4.98%
136 - 165 days Monthly Interest 4.89% 4.98%
166 - 195 days Monthly Interest 5.46% 5.46%
196 - 225 days Monthly Interest 4.60% 4.70%
226 - 255 days Monthly Interest 4.60% 4.70%
256 - 285 days Monthly Interest 4.60% 4.70%
286 - 315 days Monthly Interest 4.60% 4.70%
316 - 345 days Monthly Interest 4.60% 4.70%
346 - 385 days Monthly Interest 4.98% 4.98%
365 days Quarterly Interest N/A 5.01%
365 days Half Yearly Interest N/A 5.04%
2 years Quarterly Interest N/A 4.25%
3 years Quarterly Interest N/A 4.65%
4 years Quarterly Interest N/A 4.95%
5 years Quarterly Interest N/A 5.06%
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.

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.
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