Term deposits, a rate you can count on.
A fixed rate. A fixed term. Certainty you can plan around.
- Choose your term1 month to 5 years
- Locked in for the whole termFixed rate
- Financial Claims Scheme cover per ADIUp to $250,000
- Usually needed to withdraw early31 days’ notice
The Basics
What Are Term Deposits?
A term deposit is money placed with a bank for a fixed period, from one month to five years, earning a fixed rate of interest agreed at the start.
Because the rate is locked in, you know exactly what you will earn and when your money comes back. Interest can be paid monthly, quarterly, annually or at maturity.
Culsans helps you compare rates across Australian authorised deposit-taking institutions (ADIs) and arrange deposits to suit your income needs and timeframe.
Why Investors Choose It
Why Invest in Term Deposits?
Term deposits remain a cornerstone for Australians who want certainty and stability.
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01
Fixed Returns
Your interest rate is set for the whole term and is not affected by share market movements, so your return is known from day one.
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02
Government Protection
Deposits with APRA-regulated ADIs may be protected under the Australian Government's Financial Claims Scheme, up to $250,000 per account holder per ADI.
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03
Flexible Terms
Choose terms from one month to five years, and stagger maturities (known as laddering) so money becomes available when you need it.
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04
Simple to Manage
Once your deposit is placed there is nothing to monitor. At maturity you can reinvest, change the term or withdraw your funds.
How We Help
What we do for you.
We help you look past the headline rate. Our team compares deposits across a panel of Australian banks and builds a ladder of maturities around when you need your money.
Talk to an Adviser- Rate comparisons across a panel of Australian ADIs
- Deposit ladders built around your cash-flow needs
- Deposits spread across institutions to make the most of Financial Claims Scheme limits
- Maturity reminders and reinvestment options in one place
Suitability
Are Term Deposits Right for You?
- Want a known return with no market risk.
- Have funds you won't need until a set date.
- Want a stable, defensive part of your portfolio.
Before you decide. Term deposits suit investors who value certainty and can leave their money untouched for the full term. Withdrawing early usually requires 31 days' notice and may reduce the interest you earn. This is general information only. Read the relevant Product Disclosure Statement and Target Market Determination, and speak with an adviser about your own circumstances.
Related Services
Often paired with
Most clients combine two or three services. These are the ones most often used alongside term deposits.
