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Term Deposit Calculator

See how much you could earn with an ANZ Advance Notice Term Deposit or an ANZ Term Deposit.

See all current term deposit interest rates

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Our term deposits

ANZ Advance Notice Term Deposit

Features

  • You could earn a higher interest rate in return for 31 days' notice if you want to withdraw funds before the end of the termdisclaimer 
  • Fixed interest and fixed returns over your investment termdisclaimer
  • No account service feesdisclaimer
  • Choice of investment terms from one month to 5 yearsdisclaimer
  • Choose to have interest paid monthly, quarterly, half-yearly or annuallydisclaimer
  • Investments from $5,000 to $99,999

Learn more

ANZ Term Deposit

Features

  • Fixed interest and fixed returns over your investment termdisclaimer
  • No account service feesdisclaimer
  • Choice of investment terms from one month to 5 yearsdisclaimer
  • Choose to have interest paid monthly, quarterly, half-yearly or annuallydisclaimer
  • Investments from $5,000 to $99,999

Learn more

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This calculator is provided for illustrative purposes only and does not constitute a quote. Information provided by the calculator is subject to the accuracy of the information provided by you. The calculator should only be used as a guide.

Interest rates current as at  and subject to change at any time. Different interest rates apply to different investment amounts, term lengths and interest frequencies. Early withdrawal fees may apply. An ANZ Advance Notice Term Deposit has a 31 day notice period for early withdrawal. A minimum deposit of $5,000 is required to open the product. This calculator has been set to a maximum deposit of $4,999,999. However, investments of $100,000 or more may be subject to different term lengths and interest rates than those provided in this calculator. Please call ANZ on 13 33 33 or visit an ANZ Branch to discuss.

An ANZ Advance Notice Term Deposit has a 31 day notice period. This means that if you request an early withdrawal or transfer of all or part of your funds, the funds will not be provided until the 31st day after the request (or the next business  day). An administration fee of $30 will be charged and the account will incur an interest reduction in respect of the money withdrawn or transferred early in accordance with the ANZ Savings and Transaction Product Terms and Conditions (PDF 746kB). If you may have a need in the future to immediately withdraw or transfer funds, other deposit products may be more suitable for you.

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Different interest rates apply to different investment amounts, terms and interest frequencies. Early withdrawal fees may apply. Rates current as at   and are subject to change. 

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If you withdraw funds before the maturity date of a term deposit, an administration fee of $30 will be charged and the account will incur an interest reduction in respect of the money withdrawn or transferred early in accordance with the ANZ Saving and Transaction Terms and Conditions (PDF 505kB).

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Please refer to ANZ Personal Banking Account Fees and Charges (PDF 100kB) for fees and charges that apply.

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A minimum deposit of $5,000 is required to open an ANZ Advance Notice Term Deposit or an ANZ Term Deposit. This calculator has been set to a maximum deposit of $4,999,999. However, investments of $100,000 or more may be subject to different interest rates than those provided in this calculator. Please call 13 33 33 or visit your nearest ANZ Branch to discuss your term and interest rate for an investment of $100,000 or more.

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Early withdrawal fees may apply. An administration fee of $30 will be charged and the account will incur an interest reduction in respect of the money withdrawn or transferred early. An ANZ Advance Notice Term Deposit has a 31 day notice period. This means that if you request an early withdrawal or transfer of all or part of your funds, the funds will not be provided until the 31st day after the request (or the next business day). Refer to the ANZ Saving and Transaction Products Terms and Conditions (PDF 746kB) for further details.

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Interest rates current as at  and subject to change at any time. Different interest rates apply to each term deposit product and to different investment amounts, term lengths and interest frequencies. Early withdrawal fees may apply. Certain rates do not qualify for additional bonus interest rates and are not available in conjunction with any other bonus or special interest rate offer. For Advance Notice Term Deposits, this applies to investment terms of 3, 6, 10 and 12 months, as well as all term lengths of greater than 12 months. For Term Deposits, this applies to investment terms of 3, 6 and 12 months as well as all term lengths of greater than 12 months.

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The principal difference between an ANZ Advance Notice Term Deposit and an ANZ Term Deposit (apart from the interest rate that applies) is that you must provide 31 days’ notice to ANZ if you wish to make an early withdrawal or transfer of all or part of your funds from an ANZ Advance Notice Term Deposit account. Further details are set out in ANZ Saving and Transaction Products Terms and Conditions (PDF 746kB).

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