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  • Better value banking icon High interest rates With no annual or monthly account keeping fees
  • npbs icon Choose a term to suit you From 1 month through to 12 months*
  • npbs icon Invest with as little as $1,000 A fixed rate of interest on the amount invested for the term you select
  • npbs icon Secure An easy and secure way to grow your cash

Three Term Deposits to choose from...

Our Term Deposits are a secure way to grow your cash, with no annual or monthly account keeping fees.

Term Deposits

Term Deposit Interest Rates


1 month  n/a  n/a
 n/a
 n/a
 1.00%p.a.
2 months  n/a  n/a
 n/a
 n/a
 1.10%p.a.
3 months  1.40%p.a.  1.60%p.a.
 1.60%p.a.
 1.60%p.a.
 1.60%p.a.
4 months  1.40%p.a.
 1.40%p.a.
 1.40%p.a.
 1.40%p.a.
 1.40%p.a.
5 months  1.40%p.a.
 1.60%p.a.
 1.60%p.a.
 1.60%p.a.
 1.60%p.a.
6 months  1.40%p.a.
 1.50%p.a.
 1.50%p.a.
 1.50%p.a.
 1.50%p.a.
7 months  1.40%p.a.
 1.40%p.a.
 1.40%p.a.
 1.40%p.a.
 1.40%p.a.
8 months  1.40%p.a.
 1.40%p.a.
 1.40%p.a.
 1.40%p.a.
 1.40%p.a.
9 months  1.40%p.a.
 1.40%p.a.
 1.40%p.a.
 1.40%p.a.
 1.40%p.a.
10 months  1.40%p.a.
 1.40%p.a.
 1.40%p.a.
 1.40%p.a.
 1.40%p.a.
11 months  1.40%p.a.
 1.40%p.a.
 1.40%p.a.
 1.40%p.a.
 1.40%p.a.
12 months  1.40%p.a.
 1.50%p.a.
 1.50%p.a.
 1.50%p.a.
 1.50%p.a.
Interest rate where Term Deposit, Gold Term Deposit or Platinum Fixed funds are withdrawn prior to the maturity date is 0.50% p.a.
Term Deposit, Gold Term Deposit and Platinum Fixed rates are fixed and apply to the whole balance of the account. For further information regarding interest and the products generally, please view the applicable Terms and Conditions.
Gold Term Deposit and Platinum Fixed interest rates are indicative only. Interest paid monthly, quarterly, half yearly, annually and at maturity are available depending on the term selected. Please contact our Treasury Department on (02) 4927 4559 for details and applicable rates.
3 months  n/a  n/a  1.50%p.a.  1.50%p.a.  1.50%p.a.
4 months  n/a  n/a  1.30%p.a.  1.30%p.a.  1.30%p.a.
5 months  n/a  n/a  1.50%p.a.  1.50%p.a.  1.50%p.a.
6 months  n/a  n/a  1.40%p.a.  1.40%p.a.  1.40%p.a.
7 months  n/a  n/a  1.30%p.a.  1.30%p.a.  1.30%p.a.
8 months  n/a  n/a  1.30%p.a.  1.30%p.a.  1.30%p.a.
9 months  n/a  n/a  1.30%p.a.  1.30%p.a.  1.30%p.a.
10 months  n/a  n/a  1.30%p.a.  1.30%p.a.  1.30%p.a.
11 months  n/a  n/a  1.30%p.a.  1.30%p.a.  1.30%p.a.
12 months  1.30%p.a.  1.40%p.a.  1.40%p.a.  1.40%p.a.  1.40%p.a.
Interest rate where Term Deposit, Gold Term Deposit or Platinum Fixed funds are withdrawn prior to the maturity date is 0.50% p.a.
Term Deposit, Gold Term Deposit and Platinum Fixed rates are fixed and apply to the whole balance of the account. For further information regarding interest and the products generally, please view the applicable Terms and Conditions.
Gold Term Deposit and Platinum Fixed interest rates are indicative only. Interest paid monthly, quarterly, half yearly, annually and at maturity are available depending on the term selected. Please contact our Treasury Department on (02) 4927 4559 for details and applicable rates.
21 - 45 days 1.00%p.a. 1.00%p.a.
46 - 75 days 1.10%p.a. 1.10%p.a.
76 - 105 days 1.60%p.a. 1.60%p.a.
106 - 135 days 1.40%p.a. 1.40%p.a.
136 - 165 days 1.60%p.a. 1.60%p.a.
166 - 195 days 1.50%p.a. 1.50%p.a.
196 - 225 days 1.40%p.a. 1.40%p.a.
226 - 255 days 1.40%p.a. 1.40%p.a.
256 - 285 days 1.40%p.a. 1.40%p.a.
286 - 315 days 1.40%p.a. 1.40%p.a.
316 - 345 days 1.40%p.a. 1.40%p.a.
346 - 385 days 1.50%p.a. 1.50%p.a.
Interest rate where Term Deposit, Gold Term Deposit or Platinum Fixed funds are withdrawn prior to the maturity date is 0.50% p.a.
Term Deposit, Gold Term Deposit and Platinum Fixed rates are fixed and apply to the whole balance of the account. For further information regarding interest and the products generally, please view the applicable Terms and Conditions.
Gold Term Deposit and Platinum Fixed interest rates are indicative only. Interest paid monthly, quarterly, half yearly, annually and at maturity are available depending on the term selected. Please contact our Treasury Department on (02) 4927 4559 for details and applicable rates.
76 - 105 days Monthly Interest 1.50%p.a. 1.50%p.a.
106 - 135 days Monthly Interest 1.30%p.a. 1.30%p.a.
136 - 165 days Monthly Interest 1.50%p.a. 1.50%p.a.
166 - 195 days Monthly Interest 1.40%p.a. 1.40%p.a.
196 - 225 days Monthly Interest 1.30%p.a. 1.30%p.a.
226 - 255 days Monthly Interest 1.30%p.a. 1.30%p.a.
256 - 285 days Monthly Interest 1.30%p.a. 1.30%p.a.
286 - 315 days Monthly Interest 1.30%p.a. 1.30%p.a.
316 - 345 days Monthly Interest 1.30%p.a. 1.30%p.a.
346 - 385 days Monthly Interest 1.40%p.a. 1.40%p.a.
365 days Quarterly Interest 1.40%p.a. 1.40%p.a.
365 days Half Yearly Interest 1.40%p.a. 1.40%p.a.
2 years Monthly Interest 1.40%p.a. 1.40%p.a.
3 years Monthly Interest 1.40%p.a. 1.40%p.a.
4 years Monthly Interest 1.40%p.a. 1.40%p.a.
5 years Monthly Interest 1.40%p.a. 1.40%p.a.
2 years Quarterly Interest 1.40%p.a. 1.40%p.a.
3 years Quarterly Interest 1.40%p.a. 1.40%p.a.
4 years Quarterly Interest 1.40%p.a. 1.40%p.a.
5 years Quarterly Interest 1.40%p.a. 1.40%p.a.
2 years Half Yearly Interest 1.40%p.a. 1.40%p.a.
3 years Half Yearly Interest 1.40%p.a. 1.40%p.a.
4 years Half Yearly Interest 1.40%p.a. 1.40%p.a.
5 years Half Yearly Interest 1.40%p.a. 1.40%p.a.
2 years Annual Interest 1.50%p.a. 1.50%p.a.
3 years Annual Interest 1.50%p.a. 1.50%p.a.
4 years Annual Interest 1.50%p.a. 1.50%p.a.
5 years Annual Interest 1.50%p.a. 1.50%p.a.
Interest rate where Term Deposit, Gold Term Deposit or Platinum Fixed funds are withdrawn prior to the maturity date is 0.50% p.a.
Term Deposit, Gold Term Deposit and Platinum Fixed rates are fixed and apply to the whole balance of the account. For further information regarding interest and the products generally, please view the applicable Terms and Conditions.
Gold Term Deposit and Platinum Fixed interest rates are indicative only. Interest paid monthly, quarterly, half yearly, annually and at maturity are available depending on the term selected. Please contact our Treasury Department on (02) 4927 4559 for details and applicable rates.
21 - 45 days 1.00%p.a.
46 - 75 days 1.10%p.a.
76 - 105 days 1.60%p.a.
106 - 135 days 1.40%p.a.
136 - 165 days 1.60%p.a.
166 - 195 days 1.50%p.a.
196 - 225 days 1.40%p.a.
226 - 255 days 1.40%p.a.
256 - 285 days 1.40%p.a.
286 - 315 days 1.40%p.a.
316 - 345 days 1.40%p.a.
346 - 385 days 1.50%p.a.
Interest rate where Term Deposit, Gold Term Deposit or Platinum Fixed funds are withdrawn prior to the maturity date is 0.50% p.a.
Term Deposit, Gold Term Deposit and Platinum Fixed rates are fixed and apply to the whole balance of the account. For further information regarding interest and the products generally, please view the applicable Terms and Conditions.
Gold Term Deposit and Platinum Fixed interest rates are indicative only. Interest paid monthly, quarterly, half yearly, annually and at maturity are available depending on the term selected. Please contact our Treasury Department on (02) 4927 4559 for details and applicable rates.
Entire balance where total Platinum Deposits $500,000 and over 0.75%p.a.
Entire balance where total Platinum Deposits less than $500,000 0.00%p.a.
You must hold at least $500,000 in Platinum Deposits with at least $200,000 in the Platinum Fixed Account – see Terms and Conditions for details.
20% pa interest rate is payable by account holder on any overdrawn Platinum At-Call amount.
Interest rates effective as of 21/10/2019 and are subject to change without notice.
Interest rate where Term Deposit, Gold Term Deposit or Platinum Fixed funds are withdrawn prior to the maturity date is 0.50% p.a.
Term Deposit, Gold Term Deposit and Platinum Fixed rates are fixed and apply to the whole balance of the account. For further information regarding interest and the products generally, please view the applicable Terms and Conditions.
Gold Term Deposit and Platinum Fixed interest rates are indicative only. Interest paid monthly, quarterly, half yearly, annually and at maturity are available depending on the term selected. Please contact our Treasury Department on (02) 4927 4559 for details and applicable rates.
Here’s some information for you:
Interest rates effective as of 21/10/2019 and are subject to change without notice.
Deposits are guaranteed under the Australian Government's Financial Claims Scheme.
*1 and 2 month terms only available for amounts above $100,000.
#Interest rate where Term Deposit, Gold Term Deposit or Platinum Fixed funds are withdrawn prior to the maturity date is 0.50% p.a. Term Deposit, Gold Term Deposit and Platinum Fixed rates are fixed and apply to the whole balance of the account. For further information regarding interest and the products generally, please view the applicable Terms and Conditions. Gold Term Deposit and Platinum Fixed interest rates are indicative only. Interest paid monthly, quarterly, half yearly, annually and at maturity are available depending on the term selected. Please contact our Treasury Department on (02) 4927 4559 for details and applicable rates.
You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.