Fixed-Term Deposits

Lock in rates up to
5.35% APY guaranteed

Choose your term, lock in your rate, and watch your money grow — no market risk, no surprises. Fully insured fixed-term deposits from 3 to 24 months.

Home/Fixed-Term Deposits
Fixed Term Deposits
Why fixed-term?

Certainty and growth —
in one product

Fixed-term deposits offer guaranteed returns at rates that consistently beat standard savings. Your rate is locked from day one — market changes don't affect you.

  • Rates up to 5.35% APY on our 24-month term
  • Fully guaranteed returns — your rate never changes
  • Choose from 3, 6, 12 or 24 month terms
  • Open from $1,000 — accessible for all savers
  • Auto-renewal option at maturity — hands-free
  • Fully insured up to the statutory deposit limit
Open a Deposit
Choose your term

Four terms. All with
guaranteed returns.

3 Month Term
4.25%
Annual Percentage Yield

Min Deposit: $1,000
Interest: At maturity
Early Exit: 30-day notice
Auto-Renewal: Available
Open Deposit
6 Month Term
4.75%
Annual Percentage Yield

Min Deposit: $1,000
Interest: Monthly or maturity
Early Exit: 45-day notice
Auto-Renewal: Available
Open Deposit
24 Month Term
5.35%
Annual Percentage Yield

Min Deposit: $5,000
Interest: Monthly or maturity
Early Exit: 90-day notice
Auto-Renewal: Available
Open Deposit
What's included

Built for
serious savers

Guaranteed Rate

Your rate is locked at opening. No reductions, no surprises — for the full term, guaranteed.

Fully Insured

All deposits are protected up to the statutory insurance limit. Bank with complete peace of mind.

Auto-Renewal

Set your deposit to renew at maturity automatically. We'll apply the best available rate at the time.

Flexible Payout

Receive interest monthly for cashflow, or let it compound at maturity for maximum growth.

Simple process

Open your deposit in
three simple steps

01

Choose Your Term

Select 3, 6, 12 or 24 months and see your exact guaranteed return before you commit.

02

Fund Your Deposit

Transfer your opening amount from any account. Minimum $1,000 — processed instantly.

03

Earn Guaranteed Returns

Sit back and earn. We notify you 30 days before maturity so you can plan your next move.

5.35%
Max APY Available
$1,000
Min. Deposit
4
Term Options
100%
Rate Guaranteed

Lock in your rate today

Rates change. The rate you see now is the rate you get — but only if you open your deposit today.