Features of our term deposits

  1. Different investment terms to suit your needs starting from one month.

  2. Protected by the Financial Claims Scheme guarantee on deposits provision1.

  3. No set up or ongoing monthly fees.

  4. Invest any amount from $1,000 for a fixed rate of return for the life of your investment.

  5. Interest rates calculated daily and paid monthly, quarterly, half-yearly, annually or on maturity.

  6. Flexible interest payment options including compounding to your term deposit account.

Reach your savings goals faster

Compare our term deposits

With a Bendigo term deposit you know exactly what your return will be and you can
choose how long your money is invested. It's a great option if you need regular income,
but don't need immediate access to your funds.

Plus the Bendigo Gold offers the flexibility of additional deposits at any time and
withdrawals of up to 25% of your original deposit if you need to.

Standard

$0 Monthly Fee

At maturity, reinvest, add extra or withdraw all/part of your investment from any Bendigo Branch.

  • Current interest rate

    2.30%p.a.
  • Minimum deposit
    $5,000
  • Minimum investment term
    12 months
  • Interest payment frequency
    On maturity
  • Additional deposits
    Within 7 days of opening or renewal

Gold

$0 Monthly Fee

Additional deposits at any time and withdrawals of up to 25% of your original deposit if you need to at any Bendigo Branch

  • Current interest rate

    1.55%p.a.
  • Minimum deposit
    $2,000
  • Minimum investment term
    12 months
  • Interest payment frequency
    Quarterly
  • Additional deposits
    Yes

A few of our great term deposit rates

Looking for a different term? See full range of terms and rates.

3 Months

2.00%

p.a

$5,000 - $5,000,000*
Interest paid at maturity

CONTACT US

6 Months

2.05%

p.a

$5,000 - $5,000,000*
Interest paid at maturity

CONTACT US

12 Months

2.30%

p.a

$5,000 - $5,000,000*
Interest paid at maturity

CONTACT US

*Please contact your branch or call 1300 236 344 for investment amounts over $5,000,000.

For a personalised Money Market Investments service, please contact the team by phone 1300 133 833 or email. This personalised service is available for new funds over $500,000.

Forecast the return on your term deposit or cash investment.
Calculate now

Not sure which account is for you?
Try our account selector

Compare our term deposits

Current available investment terms and frequencies are set out below or in the Schedule of interest rates for term deposit accounts .

Rates effective: 23-Oct-18

A few of our great term deposit rates

Looking for a different term? See full range of terms and rates below.

3 Months

2.00%

p.a

$5,000 - $5,000,000*
Interest paid at maturity

CONTACT US

6 Months

2.05%

p.a

$5,000 - $5,000,000*
Interest paid at maturity

CONTACT US

12 Months

2.30%

p.a

$5,000 - $5,000,000*
Interest paid at maturity

CONTACT US

Forecast the return on your term deposit or cash investment. Calculate now

Interest paid at maturity

1 Month 0.50% p.a. 8 Months 1.00% p.a.
2 Months 0.50% p.a. 9 Months 1.00% p.a.
3 Months 0.50% p.a. 10 Months 1.00% p.a.
4 Months 0.75% p.a. 11 Months 1.00%  p.a.
5 months 0.75% p.a. 12 Months 1.25% p.a.
6 Months 1.00% p.a. 24 Months 1.50% p.a.
7 Months 1.00% p.a. 
1 Month 1.25% p.a. 8 Months 1.50% p.a.
2 Months 1.70% p.a. 9 Months 1.50% p.a.
3 Months 2.00% p.a. 10 Months 1.50% p.a.
4 Months 1.50% p.a. 11 Months 1.50% p.a.
5 Months 2.30% p.a. 12 Months 2.30% p.a.
6 Months 2.05% p.a. 24 Months 2.60% p.a.
7 Months 1.50% p.a. 

Interest paid monthly

6 Months 1.00% p.a. 36 Months 1.50% p.a.
12 Months 1.25% p.a. 48 Months 1.50% p.a.
24 Months 1.50% p.a. 60 Months 1.50% p.a.
6 Months 2.00% p.a. 36 Months 2.55% p.a.
12 Months 2.25% p.a. 48 Months 2.60% p.a.
24 Months 2.50% p.a. 60 Months 2.65% p.a.

Interest paid quarterly

6 Months 1.00% p.a. 36 Months 1.50% p.a.
12 Months 1.25% p.a. 48 Months 1.50% p.a.
15 Months 1.25% p.a. 60 Months 1.50% p.a.
24 Months 1.50% p.a. Bendigo Gold 1.25% p.a.
6 Months 2.00% p.a. 36 Months 2.55% p.a.
12 Months 2.25% p.a. 48 Months 2.60% p.a.
15 Months 1.50% p.a. 60 Months 2.65% p.a.
24 Months 2.50% p.a. Bendigo Gold 1.55% p.a.

Interest paid half yearly

12 Months 1.25% p.a. 48 Months 1.50% p.a.
24 Months 1.50% p.a. 60 Months 1.50% p.a.
36 Months 1.50% p.a. 
12 Months 2.25% p.a. 48 Months 2.60% p.a.
24 Months 2.50% p.a. 60 Months 2.65% p.a.
36 Months 2.55% p.a. 

Interest paid yearly

24 Months 1.50% p.a. 48 Months 1.50% p.a.
36 Months 1.50% p.a. 60 Months 1.50% p.a.
24 Months 2.55% p.a. 48 Months 2.65% p.a.
36 Months 2.60% p.a. 60 Months 2.70% p.a.

All rates subject to change.

*Please contact your branch or call 1300 236 344 for investment amounts over $5,000,000

For a personalised Money Market Investments service, please contact the team by phone 1300 133 833 or email. This personalised service is available for new funds over $500,000.

Reach your saving goals faster with
a Term Deposit today

Deposit and savings calculator

Reach your saving goals faster with
a Term Deposit today

Additional information

This information does not take your personal objectives, financial situations or needs into account. You should consider its appropriateness to your circumstances before acting on this information. Please read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

1. Information about the Financial Claims Scheme can be found at www.fcs.gov.au.