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ANZ Term Deposit

Enjoy the security of a fixed rate of interest over the investment term of your choice.

Apply now

It only takes around 10 minutes to apply.

 

 

 

Rates and terms

Current interest rate specialsdisclaimer

3 months

Investments of $5,000 to $99,999
Interest paid at maturity

6 months


Investments of $5,000 to $99,999
Interest paid at maturity

12 months


Investments of $5,000 to $99,999
Interest paid annually

24 months


Investments of $5,000 to $99,999
Interest paid annually

Want to invest $100,000 or more? Give us a call on 1800 008 177 between 8am and 8pm (AEST) Monday to Friday or visit your nearest ANZ Branch to discuss your term and interest rate.

More term deposit rates & terms

 

Looking for a higher fixed interest rate? Consider the ANZ Advance Notice Term Deposit

Features and benefits

Fixed returns

With a minimum investment of $5,000  you can enjoy the certainty of fixed returns over your investment term.disclaimer

No account service fees 

No set-up costs or monthly service fee.disclaimer

Choice of terms and payments

Choose the length of term that suits you, from one month to five years. Receive interest payments monthly, quarterly, half yearly or annually on selected terms.disclaimer

How does it work?

1

Make some choices

You'll need to choose how much you're going to invest, for how long, how often you want to receive your interest payments and what will happen at the end of the term. 

2

Earn interest 

Receive interest payments when and how you selected. You can view and change where you receive your interest payments using ANZ Internet Banking.

3

End of term

At the end of the term we'll pay out the balance of your term deposit or roll it over. disclaimer

 

Early withdrawals

You can request to withdraw money at any ANZ branch or by using ANZ Internet Banking. Early withdrawal fees will apply.disclaimer

Ways to bank

Access what you need when you need it with our range of simple and secure digital banking tools.

ANZ Internet Banking

Use Internet Banking to check your term deposit balance, interest paid to date and more. 

Read more

Grow by ANZ app

Get a complete view of your finances and manage your money, with banking, super, insurance and share investments all in one place. Plus smart new features like Quick Balance and Touch ID to help you see your money faster. 

Read more

ANZ goMoney

Manage your money on the go with this simple everyday banking app.disclaimer  Just four digits and you're logged in and ready to check the balance of your term deposit. 

Read more

Apply

 

Apply online

Apply now

You will need an existing ANZ everyday account or ANZ savings account and a minimum deposit of $5,000.

Call us

1800 008 177

Mon-Fri, 8am to 8pm (AEST)

 

Visit a branch

Locate us

Call us

1800 008 177

Mon-Fri, 8am to 8pm (AEST)

 

Visit a branch

Locate us

You may also be interested in

Need a savings account?

Our range of savings accounts could help you reach your saving goals sooner. 

Learn more

Earning interest on your account

Find out how interest is calculated on our accounts and term deposits. 

Learn more

Still not sure?

Use our compare tools to find out more and consider all your options. 

Learn more

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 ANZ Savings and Transaction Product Terms and Conditions (PDF 408kB) and the Financial Services Guide (PDF 104kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

Grow by ANZ is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance are not provided by ANZ by entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the Grow Terms and Conditions available at www.anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use Grow by ANZ. Grow by ANZ is a trademark of ANZ.​

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Grow by ANZ is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522

goMoney and ANZ goMoney are registered trade marks of ANZ.

ANZ goMoney for Android™ is only available in Google Play™. ANZ goMoney for iPhone is only available from the App Store. iPhone is a trade mark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trade marks of Google Inc.

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. Rates current as at  and are subject to change.

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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.

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At the end of the term, if you have not told us what you want to do with your funds, we will reinvest 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 or within the 7 day grace period (following reinvestment) of your ANZ Term Deposit to confirm interest rates that will apply upon reinvestment.

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Terms and conditions apply to the use of ANZ goMoney

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