Term Deposit
Earn great returns with an IMB Term Deposit. An IMB Term Deposit offers competitive returns for investment terms from 1 month up to 5 years for amounts of $1,000 or more. Term Deposits are a secure way to grow your savings for the future!
- Fixed rate
- 5.25%
- 12 months
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Fixed 3 month Special - Interest paid on Maturity | 4.6% | 3 months$5,000.00 and over | every 3 months |
| Fixed 6 month Special - Interest paid on Maturity | 5.1% | 6 months$5,000.00 and over | every 6 months |
| Fixed 12 month Special - Interest paid on Maturity | 5.25% | 12 months$5,000.00 and over | every 12 months |
| Fixed 1 to less than 3 months - Interest paid on Maturity | 1.25% | 1–2 months$1,000.00 and over | — |
| Fixed 3 to less than 6 months - Interest paid on Maturity | 1.5% | 3–5 months$1,000.00 and over | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Special clearance on cheques Maximum charge. Charges either wholly or partly imposed by third parties. | Event | $16.00 |
| Transaction Listing - Electronic - up to 10 pages | Event | $5.00 |
| Transaction Listing - Electronic - 10 pages and over Per page | Event | $0.50 |
| Interest statement - Electronic Per page | Event | $2.50 |
| Copy of withdrawal or deposit form | Event | $15.00 |
| Recalculation of interest Per page | Event | $30.00 |
| Research fee Per page | Event | $30.00 |
| Retrieval of archived documents Per page |
Features
- Digital banking
- Internet Banking and Mobile Banking App.
- IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne. — Branch
- IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone. — Telephone Banking
- IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm — Phone Banking Operator Assisted
- Funds available after
- 31 Days' notice is required to withdraw funds prior to the maturity date.
Eligibility
- Pension recipients
Constraints
- Opening balance — $1,000.00A higher minimum opening balance may apply for select terms or for term deposits opened online.
- Minimum balance — $1,000.00A higher minimum opening balance may apply for select terms or for term deposits opened online.
- The mininum term — 30 days
Bundles
Online Term Deposit
Opening a Term Deposit online will also open an Everyday Online Term Link Account for you to deposit funds, if you don't already have one, which is an Everyday Account with added benefits.
An Everyday Online Term Link Account is an Everyday Account with the added benefit of a transaction fee free period. Not all product options are available online. Other interest rates, investment terms, minimum deposit amounts, interest payment frequencies, and interest payment options are available.
More Information
Published by IMB Bank under the Consumer Data Right · Last updated 10 June 2026 · Product ID TD-1-1 · View on CDR.gov.au