IMB Bank
Term Deposit
IMB Bank · term deposits
Provider last updated this product 2026-10-23.
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You'll complete your application on
IMB Bank's website. Confirm the rate and fees with them
before applying.
Earn great returns with an IMB Term Deposit. An IMB Term Deposit offers competitive returns for investment terms from 1 month up to 5 years for amounts of $1,000 or more. Term Deposits are a secure way to grow your savings for the future!
Deposit rates
| Type | Rate | Term | Calculated | Applies to | Conditions | Interest |
|---|---|---|---|---|---|---|
| FIXED | 4.90% | 3 months | - | 3 - 3 months, $5,000+ | 3 month Special - Interest paid on Maturity | paid quarterly |
| 3 month Special - Interest paid on Maturity | ||||||
| FIXED | 5.00% | 6 months | - | 6 - 6 months, $5,000+ | 6 month Special - Interest paid on Maturity | paid half-yearly |
| 6 month Special - Interest paid on Maturity | ||||||
| FIXED | 5.30% | 12 months | - | 12 - 12 months, $5,000+ | 12 month Special - Interest paid on Maturity | paid P12M |
| 12 month Special - Interest paid on Maturity | ||||||
| FIXED | 1.25% | - | - | 1 - 2 months, $1,000+ | 1 to less than 3 months - Interest paid on Maturity | - |
| 1 to less than 3 months - Interest paid on Maturity | ||||||
| FIXED | 1.50% | - | - | 3 - 5 months, $1,000+ | 3 to less than 6 months - Interest paid on Maturity | - |
| 3 to less than 6 months - Interest paid on Maturity | ||||||
| FIXED | 2.25% | - | - | 6 - 8 months, $1,000+ | 6 to less than 9 months - Interest paid on Maturity | - |
| 6 to less than 9 months - Interest paid on Maturity | ||||||
| FIXED | 2.25% | - | - | 9 - 11 months, $1,000+ | 9 to less than 12 months - Interest paid on Maturity | - |
| 9 to less than 12 months - Interest paid on Maturity | ||||||
| FIXED | 2.25% | 12 months | - | 12 - 12 months, $1,000+ | 12 months - Interest paid on Maturity | paid P12M |
| 12 months - Interest paid on Maturity | ||||||
| FIXED | 5.00% | 24 months | - | 24 - 24 months, $5,000+ | 24 month Special - Interest paid Annually | paid P12M |
| 24 month Special - Interest paid Annually | ||||||
| FIXED | 4.50% | 36 months | - | 36 - 36 months, $5,000+ | 36 month Special - Interest paid Annually | paid P12M |
| 36 month Special - Interest paid Annually | ||||||
| FIXED | 4.00% | 48 months | - | 48 - 48 months, $5,000+ | 48 month Special - Interest paid Annually | paid P12M |
| 48 month Special - Interest paid Annually | ||||||
| FIXED | 4.00% | 60 months | - | 60 - 60 months, $5,000+ | 60 month Special - Interest paid Annually | paid P12M |
| 60 month Special - Interest paid Annually | ||||||
| FIXED | 2.25% | - | - | 6 - 8 months, $1,000+ | 6 to less than 9 months - Interest paid 6 monthly and on Maturity | paid half-yearly |
| 6 to less than 9 months - Interest paid 6 monthly and on Maturity | ||||||
| FIXED | 2.25% | - | - | 9 - 11 months, $1,000+ | 9 to less than 12 months - Interest paid 6 monthly and on Maturity | paid half-yearly |
| 9 to less than 12 months - Interest paid 6 monthly and on Maturity | ||||||
| FIXED | 2.25% | - | - | 12 - 23 months, $1,000+ | 12 to less than 24 months - Interest paid 6 monthly and on Maturity | paid half-yearly |
| 12 to less than 24 months - Interest paid 6 monthly and on Maturity | ||||||
| FIXED | 2.25% | - | - | 24 - 35 months, $1,000+ | 24 to less than 36 months - Interest paid 6 monthly and on Maturity | paid half-yearly |
| 24 to less than 36 months - Interest paid 6 monthly and on Maturity | ||||||
| FIXED | 2.25% | - | - | 36 - 47 months, $1,000+ | 36 to less than 48 months - Interest paid 6 monthly and on Maturity | paid half-yearly |
| 36 to less than 48 months - Interest paid 6 monthly and on Maturity | ||||||
| FIXED | 2.25% | - | - | 48 - 59 months, $1,000+ | 48 to less than 60 months - Interest paid 6 monthly and on Maturity | paid half-yearly |
| 48 to less than 60 months - Interest paid 6 monthly and on Maturity | ||||||
| FIXED | 2.25% | 60 months | - | 60 - 60 months, $1,000+ | 60 months - Interest paid 6 monthly and on Maturity | paid half-yearly |
| 60 months - Interest paid 6 monthly and on Maturity | ||||||
| FIXED | 1.45% | - | - | 3 - 5 months, $5,000+ | 3 to less than 6 months - Interest paid Monthly (every 28 days) | paid monthly |
| 3 to less than 6 months - Interest paid Monthly (every 28 days) | ||||||
| FIXED | 2.20% | - | - | 6 - 8 months, $5,000+ | 6 to less than 9 months - Interest paid Monthly (every 28 days) | paid monthly |
| 6 to less than 9 months - Interest paid Monthly (every 28 days) | ||||||
| FIXED | 2.20% | - | - | 9 - 11 months, $5,000+ | 9 to less than 12 months - Interest paid Monthly (every 28 days) | paid monthly |
| 9 to less than 12 months - Interest paid Monthly (every 28 days) | ||||||
| FIXED | 2.20% | - | - | 12 - 23 months, $5,000+ | 12 to less than 24 months - Interest paid Monthly (every 28 days) | paid monthly |
| 12 to less than 24 months - Interest paid Monthly (every 28 days) | ||||||
| FIXED | 2.20% | - | - | 24 - 35 months, $5,000+ | 24 to less than 36 months - Interest paid Monthly (every 28 days) | paid monthly |
| 24 to less than 36 months - Interest paid Monthly (every 28 days) | ||||||
| FIXED | 2.20% | - | - | 36 - 47 months, $5,000+ | 36 to less than 48 months - Interest paid Monthly (every 28 days) | paid monthly |
| 36 to less than 48 months - Interest paid Monthly (every 28 days) | ||||||
| FIXED | 2.20% | - | - | 48 - 59 months, $5,000+ | 48 to less than 60 months - Interest paid Monthly (every 28 days) | paid monthly |
| 48 to less than 60 months - Interest paid Monthly (every 28 days) | ||||||
| FIXED | 2.20% | 60 months | - | 60 - 60 months, $5,000+ | 60 month - Interest paid Monthly (every 28 days) | paid monthly |
| 60 month - Interest paid Monthly (every 28 days) | ||||||
| FIXED | 2.15% | 12 months | - | 12 - 12 months, $2,000+ | 12 months - Interest paid Fortnightly (every 14 days) | paid P14D |
| 12 months - Interest paid Fortnightly (every 14 days) | ||||||
| FIXED | 5.17% | 12 months | - | 12 - 12 months, $5,000+ | 12 month Special - Interest paid Monthly (every 28 days) | paid monthly |
| 12 month Special - Interest paid Monthly (every 28 days) | ||||||
| FIXED | 4.88% | 24 months | - | 24 - 24 months, $5,000+ | 24 month Special - Interest paid Monthly (every 28 days) | paid monthly |
| 24 month Special - Interest paid Monthly (every 28 days) | ||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Special clearance on cheques | EVENT | $16 | Maximum charge. Charges either wholly or partly imposed by third parties. |
| Transaction Listing - Electronic - up to 10 pages | EVENT | $5 | - |
| Transaction Listing - Electronic - 10 pages and over | EVENT | $0.50 | Per page |
| Interest statement - Electronic | EVENT | $2.50 | Per page |
| Copy of withdrawal or deposit form | EVENT | $15 | - |
| Recalculation of interest | EVENT | $30 | Per page |
| Research fee | EVENT | $30 | Per page |
| Retrieval of archived documents | EVENT | $20 | Per page |
| Audit Certificate | EVENT | $30 | Per certificate |
| Unclaimed monies/dormant account | EVENT | $40 | Maximum charge per account |
| Bulk coin count | DEPOSIT | $5 | Maximum charge |
| Total cash withdrawal over $2,000 in a day | WITHDRAWAL | 0.20% | A fee of 0.2% of total cash withdrawals is charged for total cash withdrawals over $2000 in a day. |
| Manual deposit other institution | DEPOSIT | $10 | - |
| Trace on Financial Institution cheque | EVENT | $50 | Charges either wholly or partly imposed by third parties. |
| Copy of Financial Institution cheque | EVENT | $16 | Maximum charge. Charges either wholly or partly imposed by third parties. |
| Stop payment fee (IMB cheques) | EVENT | $12.50 | Maximum charge. Charges either wholly or partly imposed by third parties. |
| Foreign cheque conversion (value less than AU$10,000) | DEPOSIT | $25 | Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties |
| Foreign cheque conversion (value AU$10,000 and greater) | DEPOSIT | $50 | Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties |
| Purchase of foreign currency | WITHDRAWAL | 1.00% | $10 or 1% of the value of the total order (whichever is greater). |
| SMS Alerts | EVENT | $0.25 | Per alert |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-08-30 | 5.25% |
| 2026-09-01 | 2026-10-21 | 5.15% |
| 2026-10-22 | 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
- IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.
- IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone.
- IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm
Who can apply
- pension recipient
Limits
- opening balance - 1000A higher minimum opening balance may apply for select terms or for term deposits opened online.
- min balance - 1000A higher minimum opening balance may apply for select terms or for term deposits opened online.
- other - 30 daysThe mininum term
Bundled with
- Online Term DepositOpening a Term Deposit online will also open an Everyday Online Term Link Account for you to deposit funds, if you don't already have one, which is an Everyday Account with added benefits.
The provider's own documents
- Product overview › (opens in a new tab)
- Terms and conditions › (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: 2026-10-23T00:00:00+11:00 · Product ID: TD-1-1