See how much interest you can earn. Try out our term deposit and saver interest rate calculator.


DIY Super Term Deposit

2.55% p.a. fixed for 3 months
2.70% p.a. fixed for 6 months
2.80% p.a. fixed for 12 months

Our Term Deposits give you peace of mind with the security of a high fixed interest rate and the flexibility to choose from 3, 6 or 12 month terms.

Lock away your hard earned money for a set period while waiting for that special purchase or saving for an important future event. Term Deposits are also available for Personal and Business applicants.

Applying is fast and easy, with our online and completely paperless application* (alternatively you can also download an application and apply by mail).

With no monthly account keeping fees, you don’t have to worry about your original investment losing any value. Interest is calculated daily and paid upon deposit maturity.

Deposits with Rural Bank are covered by the Financial Claims Scheme.
(formerly referred to as the Government Deposit Guarantee)

Start right now with a small minimum investment of $500 and get your money working for you right away.

Need more information? View our Term Deposit frequently asked questions

How to apply: Our online application only takes minutes and, or alternatively print and post your documents! Learn more or APPLY now.

*Completely paperless - For applicants who satisfy the requirements for online identity verification. Certain application types will require supporting documents to be sent to us (i.e. trust account structures).

**Combined value of Rural Bank ONE Term Deposit and/or Rural Bank ONE Saver accounts (whether individual or joint) cannot exceed $2,000,000 unless agreed to by Rural Bank.

Disclaimer - - Interest rates quoted are subject to change without notice. This information has been prepared without taking into account your personal circumstances, objectives, financial situation or needs. Terms, conditions, fees and charges and may apply. Full details are available on application or by phoning our Customer Service Centre on 1300 660 115, online at, or by visiting your local branch. Individual circumstances may vary and specialist legislative requirements must be adhered to. You should consult your taxation advisor. All information is subject to change. Products are issued by Rural Bank Limited ABN 74 083 938 416 AFSL 238042. Registered office: Level 6, 80 Grenfell Street, Adelaide SA 5000.


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Rural Bank Limited is a wholly owned subsidiary of the Bendigo and Adelaide Bank Group.