Contact form issue resolved.

We recently experienced technical issues with our website contact forms. This issue has now been fully resolved. If you submitted a form between 1 June and 11 June, we were unable to retrieve those submissions. Please resubmit your form, call 13 25 85, send a secure message via Internet Banking or the Mobile App, or visit us in branch. We apologise for the inconvenience and appreciate your understanding.

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Bank & Save

12-Month Term Deposit.

5.15 % p.a. Balances greater than $200,000, interest paid at maturity.

Beyond Bank Australia is one of Australia's largest purpose-driven, member-owned banks. We've been helping our members to achieve their financial goals for over 60 years.  Secure your money with a bank that's for and with you.
Go to Internet Banking All interest rates

Key benefits.

Secure your rate
Know exactly how much interest you will earn with a fixed interest rate.
Guaranteed
Combined balances up to $250,000 per account holder are securely backed by the Government Guarantee.¹
Term options
Deposits from $2,000 for as little as three months, or up to five years.
Pick your interest
Choose what suits you, with Term Deposits that allow you to receive interest monthly, annually or at maturity.

Find your perfect fit.

Short-Term Deposit
  • Minimum investment $2,000
  • Investments from three months
  • Interest paid at maturity
  • Interest calculated daily on the whole balance and paid into a Beyond Bank Account of your choice
Talk to us See more rates
Medium-Term Deposit
  • Minimum investment $2,000
  • Investments from six months
  • Interest paid at maturity
  • Interest calculated daily on the whole balance and paid into a Beyond Bank Account of your choice
Talk to us See more rates
Long-Term Deposit
  • Minimum investment $2,000
  • Investments from 12 months
  • Interest paid at maturity
  • Interest calculated daily on the whole balance and paid into a Beyond Bank Account of your choice
Talk to us See more rates

Fees and charges.

If you choose to redeem your term deposit prior to maturity (in whole or part), an Early Redemption Administration Fee will apply as well as reduced interest. Early Redemption Fee is:

$25.00

View our Fees and Charges Guide for the full details of other transaction and service fees that may apply. 

How to apply.

Personal members
If you already have a Transaction Account with Beyond Bank, simply log into the Mobile App or Internet Banking to add a Term Deposit.
Open a Transaction Account
Business Term Deposits
Available to business entities, community organisations, self-managed superannuation funds, and other trust structures.
Learn more

Other great accounts you may like.

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Savings Accounts

Competitive rates and flexible access to help you save for something great.

Find out more

Community Reward Account

You save, we give, and your favourite not-for-profit benefits.

Find out more

Other ways we can help.

Chat with our local member service team or find your answer in our Frequently Asked Questions.
Contact us
Find a branch or ATM near you.
Locate us
Our live chat is available Monday to Friday 8.00am - 8.00pm ACDT and Saturday 9.00am - 3.00pm ACDT.
Let's chat

   
 

Interest rates are current as at 19 May 2026 and are subject to change.
   
*

You qualify for Life Membership upon achieving a total of 20 years of continuous membership. When you qualify we will notify you in writing in the year after the 20th anniversary of your membership. If you are a Life Member, the bonus rate will be automatically available when you log into Internet or Mobile Banking to open a Term Deposit.
   
1

Account holders may be covered by the Commonwealth Government's Financial Claims Scheme (FCS). Under the FCS, deposits are protected up to a limit of $250,000 for each account holder at each bank, building society and credit union (also known as authorised deposit-taking institutions or ADIs) that is incorporated in Australia and authorised by APRA. Payments under the FCS are subject to a limit for each depositor. See the FCS website for more information at https://www.fcs.gov.au.
   
 

Terms, conditions, lending criteria, fees and charges apply. For full details please review our Financial Services Guide, Product Guide, Fees and Charges Guide and Target Market Determinations. These are available on our website at beyondbank.com.au/about-us/corporate-governance/disclosures, by calling us on 13 25 85 to request a copy or by visiting a branch. They will also be provided at the time of acquiring any product.
   
 

This information is of a general nature only and does not take into consideration your objectives, financial situation or needs. The information must not be relied upon as financial product advice. Before acquiring any product you should read the relevant guides, Product Disclosure Document, and consider whether a product is suitable for your circumstances to decide if a product is right for you.
   
 

All products and services are provided by Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit Licence 237856. © 2026.