---
title: "Fixed Rate Farm Management Deposit — Bendigo Bank"
description: "Term Deposits from Bendigo Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bendigo-bank/products/d85e9c1b-fa75-4493-ae9c-05038cda8b70
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-10T04:32:47.132Z
---

# Fixed Rate Farm Management Deposit — Bendigo Bank

> Term Deposits from Bendigo Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Term Deposits**

A Farm Management Deposit (FMD) is an important cash flow management tool that enables individuals carrying on a primary production business in Australia (primary producers) to set aside pre-tax income from their profitable years and earn interest on it – so the money’s available when they most need it.

## At a glance

- **Fixed rate:** 5.2% (1 year)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Fixed · 1 month | 0% | $0 - $4,999.99 | at maturity |
| Fixed · 1 month | 2% | $5,000 to $800,000 | monthly |
| Fixed · 2 months | 0% | $0 - $4,999.99 | every 2 months |
| Fixed · 2 months | 2% | $5,000 to $800,000 | every 2 months |
| Fixed · 3 months | 0% | $0 - $4,999.99 | every 3 months |
| Fixed · 3 months | 3.7% | $5,000 to $800,000 | every 3 months |
| Fixed · 6 months | 0% | $0 - $4,999.99 | every 6 months |
| Fixed · 6 months | 4.5% | $5,000 to $800,000 | every 6 months |
| Fixed · 1 year | 0% | $0 - $4,999.99 | yearly |
| Fixed · 1 year | 5.2% | 5,000 to $800,000 | yearly |
| Fixed · 1 year | 0% | $0 - $4,999.99 | every 3 months |
| Fixed · 1 year | 5.15% | $5,000 to $800,000 | every 3 months |
| Fixed · 1 year | 0% | $0 - $4,999.99 | monthly |
| Fixed · 1 year | 5.15% | $5,000 to $800,000 | monthly |
| Fixed · 2 years | 0% | $0 - $4,999.99 | yearly |
| Fixed · 2 years | 4.7% | $5,000 to $800,000 | yearly |
| Fixed · 2 years | 0% | $0 - $4,999.99 | every 3 months |
| Fixed · 2 years | 4.65% | $5,000 to $800,000 | every 3 months |
| Fixed · 2 years | 0% | $0 - $4,999.99 | monthly |
| Fixed · 2 years | 4.65% | $5,000 to $800,000 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Bank Cheque Fee — Applies per bank cheque you request. This fee will not be debited to your FMD. | Transaction | $10.00 |

## Features

- **Fixed 1, 2, 3, 6, 12 or 24 month terms available.**
- **Designed for primary producers who’ve earned a taxable non-farm income of $100,000 or less over a financial year.**
- **You can have more than one Farm Management Deposit, up to a combined value of $800,000 per farmer.**
- **Earn competitive interest rates on a choice of fixed terms.**
- **No monthly account service fees or transaction fees apply to Bendigo Bank Farm Management Deposit accounts.**
- **31 day withdrawal notice if need to access funds before its maturity date.**

## Eligibility

- **Customer must be a primary producer with an off-farm taxable income of less than $100,000 per annum.**
- **Residency status** — Australian Residency (Only available to Australian primary producers.)
- **Can only be opened in the name of an individual.**
- **Subject to farm management deposit scheme eligibility guidelines.**

## Constraints

- **Opening balance** — $5,000.00
- **Maximum balance** — $800,000.00 (The total of all FMD’s held in a client’s name must not exceed $800,000.00)

## More information from Bendigo Bank

- [Overview](https://www.bendigobank.com.au/business/accounts/farm-management-deposit/)
- [Terms & conditions](https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-business-accounts-and-facilities.pdf)
- [Eligibility](https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-business-accounts-and-facilities.pdf)
- [Fees & pricing](https://www.bendigobank.com.au/globalassets/documents/interestrates/schedule-of-interest-rates-for-farm-management-deposit-accounts.pdf)

## Data provenance

- Published by Bendigo Bank under the Consumer Data Right
- Product ID: `d85e9c1b-fa75-4493-ae9c-05038cda8b70`
- Last updated by the provider: 10 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bendigo-bank/d85e9c1b-fa75-4493-ae9c-05038cda8b70
- Provider page: https://www.cdrcompare.au/brands/bendigo-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000115

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bendigo-bank/products/d85e9c1b-fa75-4493-ae9c-05038cda8b70) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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