St.George Bank
Business Term Deposit
St.George Bank · term deposits
Provider last updated this product 2026-10-23.
Go to provider
You'll complete your application on
St.George Bank's website. Confirm the rate and fees with them
before applying.
Lock away your money for a period of time and get a guaranteed return
Deposit rates
| Type | Rate | Term | Calculated | Applies to | Conditions | Interest |
|---|---|---|---|---|---|---|
| FIXED | 1.40% | 1 months | daily | 1 - 1 months | Interest paid at maturity | calculated daily |
| Interest paid at maturity | ||||||
| FIXED | 1.65% | 2 months | daily | 2 - 2 months | Interest paid at maturity | calculated daily |
| Interest paid at maturity | ||||||
| FIXED | 3.25% | 3 months | daily | 3 - 3 months | Interest paid at maturity | calculated daily |
| Interest paid at maturity | ||||||
| FIXED | 3.40% | 4 months | daily | 4 - 4 months | Interest paid at maturity | calculated daily |
| Interest paid at maturity | ||||||
| FIXED | 3.45% | 5 months | daily | 5 - 5 months | Interest paid at maturity | calculated daily |
| Interest paid at maturity | ||||||
| FIXED | 3.40% | 6 months | daily | 6 - 6 months | Interest paid at maturity | calculated daily |
| Interest paid at maturity | ||||||
| FIXED | 3.55% | 7 months | daily | 7 - 7 months | - | calculated daily |
| FIXED | 3.60% | 8 months | daily | 8 - 8 months | - | calculated daily |
| FIXED | 3.65% | 9 months | daily | 9 - 9 months | - | calculated daily |
| FIXED | 3.70% | 10 months | daily | 10 - 10 months | - | calculated daily |
| FIXED | 3.75% | 11 months | daily | 11 - 11 months | - | calculated daily |
| FIXED | 4.75% | 12 months | daily | 12 - 12 months | - | calculated daily |
| FIXED | 4.50% | 24 months | daily | 24 - 35 months | - | calculated daily |
| FIXED | 4.00% | 36 months | daily | 36 - 47 months | - | calculated daily |
| FIXED | 4.00% | 48 months | daily | 48 - 59 months | - | calculated daily |
| FIXED | 4.00% | 60 months | daily | 60 - 60 months | - | calculated daily |
| FIXED | 3.35% | 6 months | daily | 6 - 6 months | - | calculated daily, paid monthly |
| FIXED | 3.50% | 7 months | daily | 7 - 7 months | - | calculated daily, paid monthly |
| FIXED | 3.55% | 8 months | daily | 8 - 8 months | - | calculated daily, paid monthly |
| FIXED | 3.60% | 9 months | daily | 9 - 9 months | - | calculated daily, paid monthly |
| FIXED | 3.65% | 10 months | daily | 10 - 10 months | - | calculated daily, paid monthly |
| FIXED | 3.70% | 11 months | daily | 11 - 11 months | - | calculated daily, paid monthly |
| FIXED | 4.70% | 12 months | daily | 12 - 12 months | - | calculated daily, paid monthly |
| FIXED | 4.70% | 13 months | daily | 13 - 23 months | - | calculated daily, paid monthly |
| FIXED | 4.45% | 24 months | daily | 24 - 35 months | - | calculated daily, paid monthly |
| FIXED | 3.95% | 36 months | daily | 36 - 47 months | - | calculated daily, paid monthly |
| FIXED | 3.95% | 48 months | daily | 48 - 59 months | - | calculated daily, paid monthly |
| FIXED | 3.95% | 60 months | daily | 60 - 60 months | - | calculated daily, paid monthly |
| FIXED | 4.70% | 12 months | daily | 12 - 12 months | - | calculated daily, paid half-yearly |
| FIXED | 4.70% | 13 months | daily | 13 - 23 months | - | calculated daily, paid half-yearly |
| FIXED | 4.45% | 24 months | daily | 24 - 35 months | - | calculated daily, paid half-yearly |
| FIXED | 3.95% | 36 months | daily | 36 - 47 months | - | calculated daily, paid half-yearly |
| FIXED | 3.95% | 48 months | daily | 48 - 59 months | - | calculated daily, paid half-yearly |
| FIXED | 3.95% | 60 months | daily | 60 - 60 months | - | calculated daily, paid half-yearly |
| FIXED | 5.30% | 12 months | daily | 12 - 12 months | 12 month offer available for a limited time only on Term Deposits opened or renewed by existing St.George personal or business customers. | calculated daily |
| 12 month offer available for a limited time only on Term Deposits opened or renewed by existing St.George personal or business customers. | ||||||
| BONUS | 0.10% | - | daily | - | PLUS, an additional 0.10% p.a. online bonus offer2 when you open or renew online | calculated daily |
| PLUS, an additional 0.10% p.a. online bonus offer2 when you open or renew online | ||||||
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-08-18 | 5.15% |
| 2026-08-21 | 2026-08-24 | 5.10% |
| 2026-08-28 | 2026-09-09 | 5.05% |
| 2026-09-12 | 2026-09-17 | 5.10% |
| 2026-09-24 | 2026-10-15 | 5.20% |
| 2026-10-16 | 2026-10-26 (current) | 5.30% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- The reassurance of a guaranteed return on your investment.
- Avoid market fluctuations with a specific amount locked away at a fixed interest rate (with no immediate access to funds during the term)
- Choose a term length that matches your business cycle
- Add 0.10% p.a. to these rates if you're already with St.George and opening or renewing online. It's only available to existing customers who bank online and in the app.
- Earn Interest: Interest can be paid at maturity, annually, half yearly or monthly.
- Flexibility: Flexible maturity options from 1 month to 5 years.
- Business customers are eligible to open an account and can open account either by Branch, Phone, online.
- Opening Confirmation, Maturity, Reinvestment and Repayment advices are sent as regular advices
- Interest payment options are available
Who can apply
- min age - 1818+ years old
- businessOperating in Australia with an Australian address.
- otherYou must be an existing St.George banking customer
- otherOnline application and online bonus rate available for personal customers and sole traders only.
- other31 days notice required to access funds prior to maturity (except hardship); interest rate adjustment usually applies
Limits
- min balance - 1000.00Minimum Opening Balance
- max balance - 2000000.00Maximum Balance
The provider's own documents
- Product overview › (opens in a new tab)
- Terms and conditions › (opens in a new tab)
- Eligibility criteria › (opens in a new tab)
- Fees and pricing › (opens in a new tab)
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-10-23T08:52:15Z · Product ID: STGTDBusTermDeposit