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Interest paid on maturity

Term (months) Interest Rate
  $1,000.00 - $4,999.99 $5,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 and over
Minimum investment $5,000*
3 Month Special N/A 0.50% pa 0.50% pa 0.50% pa
6 Month Special N/A 0.60% pa 0.60% pa 0.60% pa
12 Month Special N/A 0.80% pa 0.80% pa 0.80% pa
Minimum investment $1,000*
1 - 3 Months 0.25% pa 0.25% pa 0.25% pa 0.25% pa
3 - 6 Months 0.25% pa 0.25% pa 0.25% pa 0.25% pa
6 - 9 Months 0.25% pa 0.25% pa 0.25% pa 0.25% pa
9 - 12 Months 0.25% pa 0.25% pa 0.25% pa 0.25% pa
12 0.25% pa 0.25% pa 0.25% pa 0.25% pa

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Interest paid annually (every 365 days)

Term (months) Interest Rate
  $1,000.00 - $4,999.99 $5,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 and over
Minimum investment $5,000*
24 Month Special N/A 0.80% pa 0.80% pa 0.80% pa
36 Month Special N/A 0.80% pa 0.80% pa 0.80% pa
48 Month Special N/A 0.85% pa 0.85% pa 0.85% pa
60 Month Special N/A 0.90% pa 0.90% pa 0.90% pa

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Interest paid 6 monthly and on maturity

Term (months) Interest Rate
  $1,000.00 - $4,999.99 $5,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 and over
Minimum investment $1,000*
6 - 9 Months 0.25% pa 0.25% pa 0.25% pa 0.25% pa
9 - 12 Months 0.25% pa 0.25% pa 0.25% pa 0.25% pa
12 - 24 Months 0.25% pa 0.25% pa 0.25% pa 0.25% pa
24 - 36 Months 0.25% pa 0.25% pa 0.25% pa 0.25% pa
36 - 48 Months 0.25% pa 0.25% pa 0.25% pa 0.25% pa
48 - 60 Months 0.25% pa 0.25% pa 0.25% pa 0.25% pa
60 Months 0.25% pa 0.25% pa 0.25% pa 0.25% pa

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Interest paid monthly (every 28 days)

Term (months) Interest Rate
  $1,000.00 - $4,999.99 $5,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 and over
Minimum investment $5,000*
12 Month Special N/A 0.80% pa 0.80% pa 0.80% pa
24 Month Special N/A 0.80% pa 0.80% pa 0.80% pa
6 - 9 Months N/A 0.20% pa 0.20% pa 0.20% pa
9 - 12 Months N/A 0.20% pa 0.20% pa 0.20% pa
12 - 24 Months N/A 0.20% pa 0.20% pa 0.20% pa
24 - 36 Months N/A 0.20% pa 0.20% pa 0.20% pa
36 - 48 Months N/A 0.20% pa 0.20% pa 0.20% pa
48 - 60 Months N/A 0.20% pa 0.20% pa 0.20% pa
60 Months N/A 0.20% pa 0.20% pa 0.20% pa

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Interest paid fortnightly (every 14 days)

Term (months) Interest Rate
  $1,000.00 - $4,999.99 $5,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 and over
Minimum investment $2,000*
12 0.15% pa 0.15% pa 0.15% pa 0.15% pa

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Rates effective 23rd of October 2020. *Rates and terms negotiable for amounts over $100,000. Amounts withdrawn before maturity may incur an interest rate reduction of up to 3%.If upon maturity of your term deposit, you do not provide contrary instructions, your investment will be reinvested at the standard interest rate, which may be higher or lower than your current rate, and this will constitute a new facility. This document forms part of IMB's Product Disclosure Statement (PDS) for products and payment facilities listed in Page1 of IMB's Member Guide to Transaction Banking, which consists of the following documents IMB Member Guide to Transaction Banking PDS and PDS Fees and Charges for IMB Services and PDS Interest Rates for IMB Products, and any other supplementary PDS issued by IMB.

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Established in 1880, we have been helping people achieve their financial goals for 140 years and are rated by Forbes as one of the World’s Best Banks. We offer a full range of competitive banking, including home and personal lending, savings and transaction accounts, term deposits, business banking, and can arrange financial planning, insurance and travel products.

We provide simple and secure digital banking solutions online and on mobile, and members enjoy access to free automated phone and internet banking, and a team of professionals at our locally based contact centre. With a growing branch network throughout the Illawarra, Sydney, NSW South Coast, Newcastle/Hunter, the ACT and Melbourne, we have a lending specialist in every branch and a team of mobile lending specialists who will come to you.

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