Personal Investor

SA SHORT TERM DEPOSITS


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Institution Product Name Tier Interest Rates (days) Early Withdrawal Penalties
Min Max 30 60 90 120 150 180 270
Citibank Citibank Term Deposit
 $10,000
 $19,999
 0.95
 1.00
 1.20
 1.28
 1.31
 1.34
 1.46
 50% of the interest earnt to the date of break
Citibank Citibank Term Deposit
 $25,000
 $49,999
 1.13
 1.18
 4.25
 1.50
 1.51
 4.30
 1.85
 50% of the interest earnt to the date of break
Citibank Citibank Term Deposit
 $50,000
 $99,999
 1.33
 1.47
 4.25
 1.65
 1.91
 4.30
 2.18
 50% of the interest earnt to the date of break
Citibank Citibank Term Deposit
 $100,000
 $249,999
 1.33
 1.42
 4.25
 4.64
 1.91
 4.30
 2.28
 50% of the interest earnt to the date of break
Citibank Citibank Term Deposit
 $250,000
 $499,999
 2.21
 2.32
 4.25
 2.55
 2.54
 4.30
 2.69
 50% of the interest earnt to the date of break
Citibank Citibank Term Deposit
 $500,000
 $999,999
 2.21
 2.32
 4.25
 2.55
 2.54
 4.30
 2.69
 50% of the interest earnt to the date of break
Citibank Citibank Term Deposit
 $1,000,000
 $99,999,999
 2.36
 2.42
 2.47
 2.60
 2.67
 2.70
 2.76
 50% of the interest earnt to the date of break
Commonwealth Bank Short Term Deposit
 $5,000
 $9,999
 1.50
 1.50
 1.50
 1.50
 1.50
 1.50
 1.50
 $30 administration fee plus there may be a reduction in the interest paid but this can be negotiated with your branch.
Commonwealth Bank Short Term Deposit
 $10,000
 $49,999
 1.50
 1.50
 1.50
 3.70
 1.50
 1.50
 1.50
 $30 administration fee plus there may be a reduction in the interest paid but this can be negotiated with your branch.
Commonwealth Bank Short Term Deposit
 $50,000
 $99,999
 2.00
 2.00
 2.00
 3.70
 2.00
 2.00
 2.00
 $30 administration fee plus there may be a reduction in the interest paid but this can be negotiated with your branch.
Commonwealth Bank Short Term Deposit
 $100,000
 $499,999
 2.50
 2.50
 2.50
 3.70
 2.50
 2.50
 2.50
 $30 administration fee plus there may be a reduction in the interest paid but this can be negotiated with your branch.
Community CPS Australia Short Term Deposit
 $500
 $4,999

2.00

2.00
 2.00
 A penalty of 50% of interest earned to date if the portion of term completed is less than 75%. A penalty of 25% of interest earned to date if the portion of term completed is 75% or greater. However if the calculated fee is less than $50, then the fee will be the lesser of $50 OR the total interest earned at redemption.
Community CPS Australia Short Term Deposit
 $5,000
 $19,999

3.80

3.50
 3.00
 A penalty of 50% of interest earned to date if the portion of term completed is less than 75%. A penalty of 25% of interest earned to date if the portion of term completed is 75% **or** greater. However if the calculated fee is less than $50, then the fee will be the lesser of $50 **or** the total interest earned at redemption.
Community CPS Australia Short Term Deposit
 $20,000
 $49,999

4.00

3.70
 3.10
 A penalty of 50% of interest earned to date if the portion of term completed is less than 75%. A penalty of 25% of interest earned to date if the portion of term completed is 75% **or** greater. However if the calculated fee is less than $50, then the fee will be the lesser of $50 **or** the total interest earned at redemption.
Community CPS Australia Short Term Deposit
 $50,000


4.20

4.00
 3.20
 A penalty of 50% of interest earned to date if the portion of term completed is less than 75%. A penalty of 25% of interest earned to date if the portion of term completed is 75% **or** greater. However if the calculated fee is less than $50, then the fee will be the lesser of $50 **or** the total interest earned at redemption.
Institution Product Name Tier Interest Rates (days) Early Withdrawal Penalties
Min Max 30 60 90 120 150 180 270
Elders Rural Bank Short Term Deposit
 $500
 $4,999
 1.00
 1.00
 1.00
 1.00
 1.00
 1.50
 1.50
 If an early withdrawal is agreed to, the amount of interest payable on the amount withdrawn will be based on the Interest Earning at Call Deposit interest rate.
Elders Rural Bank Short Term Deposit
 $5,000
 $24,999
 2.50
 2.50
 4.25
 2.75
 2.75
 4.00
 2.75
 If an early withdrawal is agreed to, the amount of interest payable on the amount withdrawn will be based on the Interest Earning at Call Deposit interest rate.
Elders Rural Bank Short Term Deposit
 $25,000
 $49,999
 2.75
 2.75
 4.25
 3.00
 3.00
 4.00
 3.00
 If an early withdrawal is agreed to, the amount of interest payable on the amount withdrawn will be based on the Interest Earning at Call Deposit interest rate.
Elders Rural Bank Short Term Deposit
 $50,000
 $149,999
 3.00
 3.00
 4.25
 3.10
 3.10
 4.00
 3.15
 If an early withdrawal is agreed to, the amount of interest payable on the amount withdrawn will be based on the Interest Earning at Call Deposit interest rate.
Elders Rural Bank Short Term Deposit
 $150,000
 $500,000
 3.25
 3.25
 4.25
 3.30
 3.30
 4.00
 3.30
 If an early withdrawal is agreed to, the amount of interest payable on the amount withdrawn will be based on the Interest Earning at Call Deposit interest rate.
ING Direct Short Term Deposit (online)

3.25
3.75

4.25
Interest rate reduction of 0.25%pa for 30 day Term Deposit. Interest rate reduction of 0.50%pa for 90 day Term Deposit.Interest rate reduction of 0.75%pa for 180 day Term Deposit.
NAB Short Term Deposit
 $10,000
 $19,999
 0.80
 1.10
 3.70
 2.10
 3.70
 2.10
 2.10
 Interest would be calculated on the rate applicable to the reduced term of the investment rather than at the original rate.
NAB Short Term Deposit
 $20,000
 $49,999
 1.05
 1.35
 3.70
 2.10
 3.70
 2.15
 2.15
 Interest would be calculated on the rate applicable to the reduced term of the investment rather than at the original rate.
NAB Short Term Deposit
 $50,000
 $99,999
 1.10
 1.40
 3.70
 2.15
 3.70
 2.15
 2.15
 Interest would be calculated on the rate applicable to the reduced term of the investment rather than at the original rate.
NAB Short Term Deposit
 $100,000
 $500,000
 1.20
 1.50
 3.70
 2.20
 3.70
 2.20
 2.20
 Interest would be calculated on the rate applicable to the reduced term of the investment rather than at the original rate.
RaboBank Short Term Deposits
 $5,000
 $49,999
 1.85
 2.40
 2.50
 2.85
 2.35
 2.85
 2.35
 Withdrawal Requests must be in writing, If Rabobank agrees to the early termination, a break cost on the part terminated may be deducted from the depositor and / or interest. Break costs increase in line with increases in the following : Interest rates / the amount withdrawn / and the market margin. Further information is available on request :Example : ( Illustration only ) $10,000 -2 year deposit with an interst rate of 5.00% PA, payable annual, broken after 1 year when interest on a 1 year term deposit, with payable annual int is 6.00% pa . Break cost payable the depositor is approx $103.68.
RaboBank Short Term Deposits
 $50,000
 $249,999
 1.95
 2.45
 2.70
 2.85
 2.35
 2.85
 2.40
 Withdrawal Requests must be in writing, If Rabobank agrees to the early termination, a break cost on the part terminated may be deducted from the depositor and / or interest. Break costs increase in line with increases in the following : Interest rates / the amount withdrawn / and the market margin. Further information is available on request :Example : ( Illustration only ) $10,000 -2 year deposit with an interest rate of 5.00% PA, payable annual, broken after 1 year when interest on a 1 year term deposit, with payable annual int is 6.00% pa . Break cost payable the depositor is approx $103.68.
RaboPlus RaboPlus Term Deposit (online)
 $1,000
3.20
4.50

3.10
The termination fee is equal to our break costs plus a processing fee of $25.00.
Savings & Loans Credit Union Short Term Deposit
 $1,000
 $4,999
1.00
 1.00
 1.25
 1.00
 1.00
 1.00
 $100 Administration fee plus the break cost of replacing the funds for the remainder of the term, compared to the current rate.
Savings & Loans Credit Union Short Term Deposit
 $5,000
 $24,999
1.50
 1.50
 3.40
 1.50
 1.50
 1.50
 $100 Administration fee plus the break cost of replacing the funds for the remainder of the term, compared to the current rate.
Institution Product Name Tier Interest Rates (days) Early Withdrawal Penalties
Min Max 30 60 90 120 150 180 270
Savings & Loans Credit Union Short Term Deposit
 $25,000
 $49,999
3.40
 2.00
 2.00
 2.00
 2.00
 2.00
 $100 Administration fee plus the break cost of replacing the funds for the remainder of the term, compared to the current rate.
Savings & Loans Credit Union Short Term Deposit
 $50,000

4.40
 2.50
 2.50
 2.50
 2.50
 2.50
 $100 Administration fee plus the break cost of replacing the funds for the remainder of the term, compared to the current rate.
St. George Bank Short Term Deposit
 $1,000
 $4,999
 1.00
 1.00
 1.00
 3.25
 1.50
 1.50
 3.05
 If you withdraw an amount during the term of a Fixed Term Deposit, we may reduce the interest rate payable on the amount withdrawn. Please see the terms and conditions applying to the Fixed Term Accounts for more information.
St. George Bank Short Term Deposit
 $5,000
 $19,999
 1.00
 1.00
 1.00
 3.75
 1.50
 1.50
 4.05
 If you withdraw an amount during the term of a Fixed Term Deposit, we may reduce the interest rate payable on the amount withdrawn. Please see the terms and conditions applying to the Fixed Term Accounts for more information.
St. George Bank Short Term Deposit
 $20,000
 $49,999
 1.50
 1.50
 1.50
 3.75
 2.00
 2.00
 4.05
 If you withdraw an amount during the term of a Fixed Term Deposit, we may reduce the interest rate payable on the amount withdrawn. Please see the terms and conditions applying to the Fixed Term Accounts for more information.
St. George Bank Short Term Deposit
 $50,000
 $99,999
 1.50
 1.50
 1.50
 3.75
 2.00
 2.00
 3.55
 If you withdraw an amount during the term of a Fixed Term Deposit, we may reduce the interest rate payable on the amount withdrawn. Please see the terms and conditions applying to the Fixed Term Accounts for more information.
St. George Bank Short Term Deposit
 $100,000
 $249,999
 1.50
 1.50
 1.50
 3.75
 2.00
 2.00
 4.05
 If you withdraw an amount during the term of a Fixed Term Deposit, we may reduce the interest rate payable on the amount withdrawn. Please see the terms and conditions applying to the Fixed Term Accounts for more information.
St. George Bank Short Term Deposit
 $250,000
 $499,999
 1.50
 1.50
 1.50
 3.75
 2.00
 2.00
 4.05
 If you withdraw an amount during the term of a Fixed Term Deposit, we may reduce the interest rate payable on the amount withdrawn. Please see the terms and conditions applying to the Fixed Term Accounts for more information.
Suncorp flexiRates (online) - Suncorp eOptions
$999,999,999
 3.55
 3.55
 3.75
 4.30
 3.50
 3.45
 3.75
 Last quarter of term - 20% of interest accruedThird quarter of term - 40% of interest accruedSecond quarter of term - 60% of interest accruedFirst quarter of term - 80% of interest accrued
Suncorp Short Term Deposit
 $1,000
 $9,999
 1.10
 1.10
 1.10
 1.75
 1.10
 1.10
 1.10
 An interest adjustment will apply for early withdrawal
Suncorp Short Term Deposit
 $10,000
 $24,999
 1.10
 1.10
 2.25
 2.95
 1.25
 1.25
 1.25
 An interest adjustment will apply for early withdrawal
Suncorp Short Term Deposit
 $25,000
 $49,999
 1.70
 1.80
 3.05
 4.25
 2.05
 2.25
 2.05
 An interest adjustment will apply for early withdrawal.
Suncorp Short Term Deposit
 $50,000
 $50,000,000
 1.90
 2.00
 3.25
 4.25
 2.25
 2.25
 2.25
 An interest adjustment will apply for early withdrawal
Westpac Banking Corporation Short Term Deposits
 $5,000
 $9,999
 0.80
 1.10
 2.50
 3.70
 2.50
 2.50
 2.50
 An interest rate adjustment may apply if the deposit is terminated prior to maturity
Westpac Banking Corporation Short Term Deposit
 $10,000
 $19,999
 0.90
 1.20
 3.70
 2.50
 2.50
 2.50
 2.50
 An interest rate adjustment may apply if the deposit is terminated prior to maturity
Institution Product Name Tier Interest Rates (days) Early Withdrawal Penalties
Min Max 30 60 90 120 150 180 270
Westpac Banking Corporation Short Term Deposit
 $20,000
 $49,999
 1.00
 1.30
 2.50
 3.70
 2.50
 2.50
 2.50
 An interest rate adjustment may apply if the deposit is terminated prior to maturity
Westpac Banking Corporation Short Term Deposit
 $50,000
 $99,999
 1.10
 1.40
 2.50
 3.70
 2.50
 2.50
 2.50
 An interest rate adjustment may apply if the deposit is terminated prior to maturity
Westpac Banking Corporation Short Term Deposit
 $100,000
 $249,999
 1.20
 1.50
 2.50
 3.70
 2.50
 2.50
 2.50
 An interest rate adjustment may apply if the deposit is terminated prior to maturity
Adelaide Bank Flexiterm
 $1,000
 $4,999
 0.50
 0.50
 0.50
 0.75
 0.75
 1.00
 1.00
 A service charge of $20 or a 1.5% p.a. interest rate reduction (whichever is greater) may apply.
Adelaide Bank Flexiterm
 $5,000
 $24,999
 2.80
 2.80
 5.50
 3.05
 3.05
 3.15
 3.25
 A service charge of $20 *or* a 1.5% p.a. interest rate reduction (whichever is greater) may apply.
Adelaide Bank Flexiterm
 $25,000
 $99,999
 2.90
 2.90
 5.50
 3.15
 3.15
 3.25
 3.35
 A service charge of $20 *or* a 1.5% p.a. interest rate reduction (whichever is greater) may apply.
ANZ Bank Short Term Deposit
 $5,000
 $24,999
 2.50
 2.50
 2.50
 3.60
 2.50
 2.50
 2.50
 For all term deposits opened or reinvested from 6 December 2004 an administration Fee of $30 plus a rate reduction based on:0 to 20% of term elapsed - 90% reduction,20 to 40% of term elapsed - 80% reduction,40 to 60% of term elapsed - 60% reduction,60 to 80% of term elapsed - 40% reduction,80 to 100% of term elapsed - 20% reduction.See ANZ website for penalties applied to accounts opened before 6 December 2004.
ANZ Bank Short Term Deposit
 $25,000
 $49,999
 2.50
 2.50
 2.50
 3.60
 2.50
 2.50
 2.50
 For all term deposits opened or reinvested from 6 December 2004 an administration Fee of $30 plus a rate reduction based on:0 to 20% of term elapsed - 90% reduction,20 to 40% of term elapsed - 80% reduction,40 to 60% of term elapsed - 60% reduction,60 to 80% of term elapsed - 40% reduction,80 to 100% of term elapsed - 20% reduction.See ANZ website for penalties applied to accounts opened before 6 December 2004.
ANZ Bank Short Term Deposit
 $50,000
 $99,999
 2.80
 2.80
 2.50
 3.60
 2.50
 2.50
 2.50
 For all term deposits opened or reinvested from 6 December 2004 an administration Fee of $30 plus a rate reduction based on:0 to 20% of term elapsed - 90% reduction,20 to 40% of term elapsed - 80% reduction,40 to 60% of term elapsed - 60% reduction,60 to 80% of term elapsed - 40% reduction,80 to 100% of term elapsed - 20% reduction.See ANZ website for penalties applied to accounts opened before 6 December 2004.
ANZ Bank Short Term Deposit
 $100,000
 $250,000
 3.01
 2.98
 2.50
 3.60
 2.89
 2.50
 2.86
 For all term deposits opened or reinvested from 6 December 2004 an administration Fee of $30 plus a rate reduction based on:0 to 20% of term elapsed - 90% reduction,20 to 40% of term elapsed - 80% reduction,40 to 60% of term elapsed - 60% reduction,60 to 80% of term elapsed - 40% reduction,80 to 100% of term elapsed - 20% reduction.See ANZ website for penalties applied to accounts opened before 6 December 2004.
Australian Central Credit Union Security Plus
 $1,000
 $4,999
 1.20
 1.20
 1.30
 1.30
 1.40
 1.85
 1.95
 50% of contracted interest rate
Australian Central Credit Union Security Plus
 $5,000
 $24,999
 2.30
 2.60
 3.20
 4.10
 3.20
 3.10
 3.00
 50% of contracted interest rate
Australian Central Credit Union Security Plus
 $25,000
 $49,999
 2.50
 2.90
 3.35
 4.20
 3.35
 3.20
 3.10
 50% of contracted interest rate
Australian Central Credit Union Security Plus
 $50,000
 $99,999
 2.80
 3.00
 3.40
 4.20
 3.40
 3.30
 3.20
 50% of contracted interest rate
Bank of Queensland Premier Investment
 $1,000
 $4,999.99
 0.40
 0.50
 1.00
 1.10
 1.10
 1.10
 1.10
 Interest adjustment applies.EOT rates shown.For monthly interest rates deduct 0.25% from the end of term rate excluding rates for less than 1 month.Early Payout Fee of $30 in addition to an interest rate adjustment
Institution Product Name Tier Interest Rates (days) Early Withdrawal Penalties
Min Max 30 60 90 120 150 180 270
Bank of Queensland Premier Investment
 $5,000
 $19,999.99
 1.00
 4.10
 2.00
 2.00
 4.30
 2.00
 2.00
 Interest adjustment applies.EOT rates shown.For monthly interest rates deduct 0.25% from the end of term rate excluding rates for less than 1 month.
Bank of Queensland Premier Investment
 $20,000
 $49,999.99
 1.00
 4.10
 2.00
 2.00
 4.30
 2.00
 2.00
 Interest adjustment applies.EOT rates shown.For monthly interest rates deduct 0.25% from the end of term rate excluding rates for less than 1 month.Early Payout Fee of $30 in addition to an interest rate adjustment
Bank of Queensland Premier Investment
 $50,000
 $99,999.99
 1.55
 4.10
 2.10
 2.10
 4.30
 2.10
 2.10
 Interest adjustment applies.EOT rates shown.For monthly interest rates deduct 0.25% from the end of term rate excluding rates for less than 1 month.Early Payout Fee of $30 in addition to an interest rate adjustment
Bank of Queensland Premier Investment
 $100,000
 $250,000
 1.55
 4.10
 2.15
 2.15
 4.30
 2.15
 2.15
 Interest adjustment aplies.EOT rates shown.For monthly interest rates deduct 0.25% from the end of term rate excluding rates for less than 1 month.
Bank of South Australia Interest At Maturity Option
 $1,000
 $5,000
 2.50
 4.95
 2.50
 2.50
 2.50
 2.50
 2.50
 1.5% less the orginal rate set on the deposit
Bank of South Australia Interest At Maturity Option
 $20,000
 $50,000
 3.00
 5.45
 3.00
 3.00
 3.00
 3.00
 3.00
 1.5% less the orginal rate set on the deposit
Bank of South Australia Interest at Maturity Option
 $50,000
 $100,000
 3.00
 5.45
 3.00
 3.00
 3.00
 3.00
 3.00
 1.5% less the orginal rate set on the deposit
Bank of South Australia Interest at Maturity Option
 $100,000
 $250,000
 3.00
 5.45
 3.00
 3.00
 3.00
 3.00
 3.00
 1.5% less the orginal rate set on the deposit
Bank of South Australia Interest at Maturity Option
 $250,000
 $5,000,000
 3.00
 5.45
 3.00
 3.00
 3.00
 3.00
 3.00
 1.5% less the orginal rate set on the deposit
BankWest bankwest tddirect (online)
 $1,000
 $5,000,000

4.01

3.70
An interest adjustment will apply for early withdrawal - please refer to the BankWest website for details.
BankWest Gold Term Deposit
 $5,000
 $2,000,000
 1.50
 1.50
 2.20
 2.20
 4.10
 2.20
 2.20
 An interest adjustment will apply for early withdrawal - please refer to the BankWest website for details.