ANZ Term Deposits

A simple and secure way to save1.

ANZ Term Deposits

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With a minimum investment of $5,0001 and a choice of investment terms ranging from one month to five years, an ANZ Term Deposit could give you peace of mind and the certainty of knowing what your return will be.

Current interest rate specials

Popular Terms

Interest at Maturity

3 < 4 months* 2.90% p.a.
6 < 7 months* 2.95% p.a.
12 < 18 months* 3.20% p.a.
24 < 36 months* 3.30% p.a.
36 < 48 months* 3.50% p.a.
48 < 60 months* loading product data(View current rates)
60 months* loading product data(View current rates)

The above rates are available for amounts from $5,000 to $99,9991. View current ANZ Term Deposit interest rates for the full suite of investment terms.

For interest rates available for amounts of $100,000 or more, please call 1800 008 177 between 8am and 8pm (AEST) Monday to Friday or visit your nearest ANZ Branch.

Compare and calculate

Calculator
Our term deposit calculator can help you calculate the expected return on your choice of investment term.

Benefits

Feature 1
Certainty - of a fixed rate of return over the investment term
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Flexibility - with a choice of investment terms from 1 month to 5 years
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Save on set up fees - no set-up, monthly service or management fees3
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Peace of mind - knowing you’re investing with one of Australia’s major banks
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You are in control - at maturity you can choose to automatically re-invest your funds, add extra funds to your investment or withdraw part or all of your funds1

How to apply

Apply online

Existing ANZ customers

What you will need:

  • an existing ANZ everyday or savings account
  • a minimum deposit of $5,000
  • 10 minutes to complete the application
  • be 12 years or older
Apply now
Visit an ANZ branch

New customers 

 

How it works

With an ANZ Term Deposit you can

  • Invest from a minimum of $5,0001
  • Choose an investment term that suits you - from one month to five years
  • Receive interest payments monthly, quarterly, half yearly or annually on a range of ANZ Term Deposits. View our ANZ Term Deposit interest rates
  • Earn a fixed rate of interest over your selected investment term
  • Pay no set-up costs, monthly service or management fees3 on your ANZ Term Deposit
  • Choose to automatically re-invest your funds, add extra money or withdraw part or all of your money at the end of the term1
  • Relax knowing your ANZ Term Deposit is covered by the Australian Government Deposit Guarantee Scheme2
Important information

Terms and conditions are available on application. Fees and charges apply. All rates are subject to change.

* Special term rates do not qualify for additional bonus interest rates and are not available in conjunction with any other bonus or special interest rate offer.

1. A minimum investment of $5,000 is required. At the end of the term, if you have not told us what you want to do with your funds, we will reinvest them in the same type of ANZ Term Deposit. In this case, the interest rate applicable to your new ANZ Term Deposit may be lower or higher than the interest rate on your maturing ANZ Term Deposit. You can contact us at maturity of your ANZ Term Deposit to confirm interest rates that will apply upon reinvestment.

2. Deposit accounts with ANZ with balances of up to and including A$250,000 in total are guaranteed by the Federal Government without charge. The guarantee applies to the total balance held in one or more ANZ deposit accounts by each legal entity, up to a maximum amount of A$250,000. For further information please refer to the Financial Claims Scheme.

3. If you decide to withdraw all or part of your ANZ Term Deposit prior to maturity a $30 administration fee will be payable. ANZ will be entitled to reduce the interest rate payable on the ANZ Term Deposit when there is an early withdrawal.

Looking for other ways to save?

Choose from the following three alternative savings options:

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.

ANZ recommends you read the Terms and Conditions and the Financial Services Guide (PDF 104kB) before acquiring the product.

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