Newcastle Permanent
Term Deposit
Newcastle Permanent · term deposits
Provider last updated this product 2026-09-28.
Go to provider
You'll complete your application on
Newcastle Permanent's website. Confirm the rate and fees with them
before applying.
A Term Deposit is a secure way to boost your savings, simply open an account, select your term and enjoy the rewards of a high interest investment.
Deposit rates
| Type | Rate | Term | Calculated | Applies to | Conditions | Interest |
|---|---|---|---|---|---|---|
| FIXED | 3.65% | 36 months | daily | $1,000 - $99,999,999.99 | 3 years Interest paid half-yearly | calculated daily, paid half-yearly |
| 3 years Interest paid half-yearly | ||||||
| FIXED | 3.50% | - | daily | $1,000 - $99,999,999.99 | 316 - 345 days Interest paid monthly | calculated daily, paid monthly |
| 316 - 345 days Interest paid monthly | ||||||
| FIXED | 5.30% | - | daily | $1,000 - $99,999,999.99 | 346 - 385 days Interest paid monthly | calculated daily, paid monthly |
| 346 - 385 days Interest paid monthly | ||||||
| FIXED | 3.45% | 60 months | daily | $1,000 - $99,999,999.99 | 5 years Interest paid half-yearly | calculated daily, paid half-yearly |
| 5 years Interest paid half-yearly | ||||||
| FIXED | 3.55% | 48 months | daily | $1,000 - $99,999,999.99 | 4 years Interest paid annually | calculated daily, paid annually |
| 4 years Interest paid annually | ||||||
| FIXED | 3.75% | 36 months | daily | $1,000 - $99,999,999.99 | 3 years Interest paid annually | calculated daily, paid annually |
| 3 years Interest paid annually | ||||||
| FIXED | 3.45% | 48 months | daily | $1,000 - $99,999,999.99 | 4 years Interest paid half-yearly | calculated daily, paid half-yearly |
| 4 years Interest paid half-yearly | ||||||
| FIXED | 3.65% | 36 months | daily | $1,000 - $99,999,999.99 | 3 years Interest paid quarterly | calculated daily, paid quarterly |
| 3 years Interest paid quarterly | ||||||
| FIXED | 3.45% | 48 months | daily | $1,000 - $99,999,999.99 | 4 years Interest paid quarterly | calculated daily, paid quarterly |
| 4 years Interest paid quarterly | ||||||
| FIXED | 3.65% | - | daily | $1,000 - $99,999,999.99 | 136 - 165 days Interest paid monthly | calculated daily, paid monthly |
| 136 - 165 days Interest paid monthly | ||||||
| FIXED | 3.60% | - | daily | $1,000 - $99,999,999.99 | 256 - 285 days Interest paid at maturity | calculated daily |
| 256 - 285 days Interest paid at maturity | ||||||
| FIXED | 5.40% | - | daily | $1,000 - $99,999,999.99 | 346 - 385 days Interest paid at maturity | calculated daily |
| 346 - 385 days Interest paid at maturity | ||||||
| FIXED | 3.50% | - | daily | $1,000 - $99,999,999.99 | 256 - 285 days Interest paid monthly | calculated daily, paid monthly |
| 256 - 285 days Interest paid monthly | ||||||
| FIXED | 5.30% | 12 months | daily | $1,000 - $99,999,999.99 | 1 year Interest paid quarterly | calculated daily, paid quarterly |
| 1 year Interest paid quarterly | ||||||
| FIXED | 4.50% | - | daily | $1,000 - $99,999,999.99 | 76 - 105 days Interest paid at maturity | calculated daily |
| 76 - 105 days Interest paid at maturity | ||||||
| FIXED | 3.75% | - | daily | $1,000 - $99,999,999.99 | 136 - 165 days Interest paid at maturity | calculated daily |
| 136 - 165 days Interest paid at maturity | ||||||
| FIXED | 5.30% | 12 months | daily | $1,000 - $99,999,999.99 | 1 year Interest paid half-yearly | calculated daily, paid half-yearly |
| 1 year Interest paid half-yearly | ||||||
| FIXED | 3.60% | - | daily | $1,000 - $99,999,999.99 | 286 - 315 days Interest paid at maturity | calculated daily |
| 286 - 315 days Interest paid at maturity | ||||||
| FIXED | 4.15% | 24 months | daily | $1,000 - $99,999,999.99 | 2 years Interest paid half-yearly | calculated daily, paid half-yearly |
| 2 years Interest paid half-yearly | ||||||
| FIXED | 5.10% | - | daily | $1,000 - $99,999,999.99 | 166 - 195 days Interest paid at maturity | calculated daily |
| 166 - 195 days Interest paid at maturity | ||||||
| FIXED | 3.45% | 60 months | daily | $1,000 - $99,999,999.99 | 5 years Interest paid monthly | calculated daily, paid monthly |
| 5 years Interest paid monthly | ||||||
| FIXED | 4.15% | 24 months | daily | $1,000 - $99,999,999.99 | 2 years Interest paid quarterly | calculated daily, paid quarterly |
| 2 years Interest paid quarterly | ||||||
| FIXED | 3.65% | 36 months | daily | $1,000 - $99,999,999.99 | 3 years Interest paid monthly | calculated daily, paid monthly |
| 3 years Interest paid monthly | ||||||
| FIXED | 3.65% | - | daily | $1,000 - $99,999,999.99 | 106 - 135 days Interest paid monthly | calculated daily, paid monthly |
| 106 - 135 days Interest paid monthly | ||||||
| FIXED | 3.60% | - | daily | $1,000 - $99,999,999.99 | 226 - 255 days Interest paid at maturity | calculated daily |
| 226 - 255 days Interest paid at maturity | ||||||
| FIXED | 3.45% | 48 months | daily | $1,000 - $99,999,999.99 | 4 years Interest paid monthly | calculated daily, paid monthly |
| 4 years Interest paid monthly | ||||||
| FIXED | 1.00% | - | daily | $1,000 - $99,999,999.99 | 46 - 75 days Interest paid at maturity | calculated daily |
| 46 - 75 days Interest paid at maturity | ||||||
| FIXED | 4.25% | 24 months | daily | $1,000 - $99,999,999.99 | 2 years Interest paid annually | calculated daily, paid annually |
| 2 years Interest paid annually | ||||||
| FIXED | 4.40% | - | daily | $1,000 - $99,999,999.99 | 76 - 105 days Interest paid monthly | calculated daily, paid monthly |
| 76 - 105 days Interest paid monthly | ||||||
| FIXED | 3.60% | - | daily | $1,000 - $99,999,999.99 | 316 - 345 days Interest paid at maturity | calculated daily |
| 316 - 345 days Interest paid at maturity | ||||||
| FIXED | 1.00% | - | daily | $1,000 - $99,999,999.99 | 21 - 45 days Interest paid at maturity | calculated daily |
| 21 - 45 days Interest paid at maturity | ||||||
| FIXED | 3.50% | - | daily | $1,000 - $99,999,999.99 | 226 - 255 days Interest paid monthly | calculated daily, paid monthly |
| 226 - 255 days Interest paid monthly | ||||||
| FIXED | 3.50% | - | daily | $1,000 - $99,999,999.99 | 286 - 315 days Interest paid monthly | calculated daily, paid monthly |
| 286 - 315 days Interest paid monthly | ||||||
| FIXED | 5.00% | - | daily | $1,000 - $99,999,999.99 | 166 - 195 days Interest paid monthly | calculated daily, paid monthly |
| 166 - 195 days Interest paid monthly | ||||||
| FIXED | 3.45% | 60 months | daily | $1,000 - $99,999,999.99 | 5 years Interest paid quarterly | calculated daily, paid quarterly |
| 5 years Interest paid quarterly | ||||||
| FIXED | 3.50% | - | daily | $1,000 - $99,999,999.99 | 196 - 225 days Interest paid monthly | calculated daily, paid monthly |
| 196 - 225 days Interest paid monthly | ||||||
| FIXED | 4.15% | 24 months | daily | $1,000 - $99,999,999.99 | 2 years Interest paid monthly | calculated daily, paid monthly |
| 2 years Interest paid monthly | ||||||
| FIXED | 3.60% | - | daily | $1,000 - $99,999,999.99 | 196 - 225 days Interest paid at maturity | calculated daily |
| 196 - 225 days Interest paid at maturity | ||||||
| FIXED | 3.55% | 60 months | daily | $1,000 - $99,999,999.99 | 5 years Interest paid annually | calculated daily, paid annually |
| 5 years Interest paid annually | ||||||
| FIXED | 3.75% | - | daily | $1,000 - $99,999,999.99 | 106 - 135 days Interest paid at maturity | calculated daily |
| 106 - 135 days Interest paid at maturity | ||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Real Time Gross Settlements (RTGS) | WITHDRAWAL | $30 | When you send an RTGS |
| Document and Miscellaneous Service | ENQUIRY | - | $60/hour (min $10/copy) |
| Financial Institution Cheque Replacement | REPLACEMENT | $15 | - |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-07-17 | 5.35% |
| 2026-07-20 | 2026-09-27 | 5.25% |
| 2026-09-28 | 2026-10-24 | 5.30% |
| 2026-10-25 | 2026-10-26 (current) | 5.40% |
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
- For Term Deposits opened or last renewed before 23 February 2026, early withdrawals earn a reduced interest rate of 0.01% p.a. for the period invested. For Term Deposits opened or renewed from 23 February 2026, 31 days’ notice is required for early withdrawals, and interest will be recalculated using the reduced interest rate applicable to the shorter investment term.
Who can apply
- min age - 1414 years of age or older, or a parent or legal guardian of a child under 14 years of age and you open the account on their behalf.
- residency status - Living in Australia and have an Australian residential address
Limits
- min balance - 1000.00
- opening balance - 1000.00
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: 2026-09-28T00:00:00+10:00 · Product ID: TD_termdeposit