The Capricornian
Term Deposit
The Capricornian · term deposits
Provider last updated this product 2026-10-05.
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You'll complete your application on
The Capricornian's website. Confirm the rate and fees with them
before applying.
Have peace of mind in your investment with a term deposit from The Capricornian our term deposits can be invested in a 3, 6, 12 or 24-month terms.
Deposit rates
| Type | Rate | Term | Calculated | Applies to | Conditions | Interest |
|---|---|---|---|---|---|---|
| FIXED | 4.90% | 24 months | daily | 24 - 24 months, $5,000 - $250,000 | Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates | calculated daily |
| Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates | ||||||
| FIXED | 5.00% | 12 months | daily | 12 - 12 months, $5,000 - $250,000 | Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates | calculated daily |
| Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates | ||||||
| FIXED | 4.30% | 3 months | daily | $5,000 - $250,000, 3 - 3 months | Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates | calculated daily |
| Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates | ||||||
| FIXED | 5.20% | 12 months | daily | 12 - 12 months, $5,000 - $250,000 | Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates | calculated daily |
| Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates | ||||||
| FIXED | 4.75% | 6 months | daily | 6 - 6 months, $5,000 - $250,000 | Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates | calculated daily |
| Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates | ||||||
| FIXED | 4.95% | 6 months | daily | $5,000 - $250,000, 6 - 6 months | Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates | calculated daily |
| Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates | ||||||
| FIXED | 5.10% | 24 months | daily | 24 - 24 months, $5,000 - $250,000 | Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates. | calculated daily |
| Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates. | ||||||
| FIXED | 4.10% | 3 months | daily | $5,000 - $250,000, 3 - 3 months | Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates. | calculated daily |
| Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates. | ||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Early Redemption Penalty | WITHDRAWAL | $0 | The penalty applied to an early redemption of a Fixed Term Deposit is 30 Days interest on the redeeming portion of the deposit. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-10-05 | 5.10% |
| 2026-10-06 | 2026-10-26 (current) | 5.20% |
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.
Who can apply
- residency status - Individuals must be citizens or permanent residents of Australia
- otherAvailable to individuals, companies and trust for personal or business use.
- otherIs currently, or wishes to become, a shareholding member of The Capricornian Ltd.
Limits
- max balance - 250000.00Term deposit amounts over $250,000 by negotiation only
- min balance - 5000.00
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: 2026-10-05T20:00:00.399063Z · Product ID: 4ecba156-6b32-420b-8946-3f32b7a0504f