---
title: "Term Deposit — IMB Bank"
description: "Term Deposits from IMB Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/imb-bank/products/TD-1-1
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-05T00:00:00+10:00
---

# Term Deposit — IMB Bank

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

**Term Deposits**

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!

## At a glance

- **Fixed rate:** 5.25% (1 year)

## Apply

Applications are handled by the provider: [Apply at IMB Bank](https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Fixed · 3 months (3 month Special - Interest paid on Maturity) | 5% | 3 month; $5,000.00 and over | every 3 months |
| Fixed · 6 months (6 month Special - Interest paid on Maturity) | 5.1% | 6 month; $5,000.00 and over | every 6 months |
| Fixed · 1 year (12 month Special - Interest paid on Maturity) | 5.25% | 12 month; $5,000.00 and over | every 12 months |
| Fixed · P1M/P2M (1 to less than 3 months - Interest paid on Maturity) | 1.25% | 1 to less than 3 months; $1,000.00 and over | — |
| Fixed · P3M/P5M (3 to less than 6 months - Interest paid on Maturity) | 1.5% | 3 to less than 6 months; $1,000.00 and over | — |
| Fixed · P6M/P8M (6 to less than 9 months - Interest paid on Maturity) | 2.25% | 6 to less than 9 months; $1,000.00 and over | — |
| Fixed · P9M/P11M (9 to less than 12 months - Interest paid on Maturity) | 2.25% | 9 to less than 12 months; $1,000.00 and over | — |
| Fixed · 1 year (12 months - Interest paid on Maturity) | 2.25% | 12 month; $1,000.00 and over | every 12 months |
| Fixed · 2 years (24 month Special - Interest paid Annually) | 4.5% | 24 month; $5,000.00 and over | every 12 months |
| Fixed · 3 years (36 month Special - Interest paid Annually) | 4.5% | 36 month; $5,000.00 and over | every 12 months |
| Fixed · 4 years (48 month Special - Interest paid Annually) | 4% | 48 month; $5,000.00 and over | every 12 months |
| Fixed · 5 years (60 month Special - Interest paid Annually) | 4% | 60 month; $5,000.00 and over | every 12 months |
| Fixed · P6M/P8M (6 to less than 9 months - Interest paid 6 monthly and on Maturity) | 2.25% | 6 to less than 9 months; $1,000.00 and over | every 6 months |
| Fixed · P9M/P11M (9 to less than 12 months - Interest paid 6 monthly and on Maturity) | 2.25% | 9 to less than 12 months; $1,000.00 and over | every 6 months |
| Fixed · P12M/P23M (12 to less than 24 months - Interest paid 6 monthly and on Maturity) | 2.25% | 12 to less than 24 months; $1,000.00 and over | every 6 months |
| Fixed · P24M/P35M (24 to less than 36 months - Interest paid 6 monthly and on Maturity) | 2.25% | 24 to less than 36 months; $1,000.00 and over | every 6 months |
| Fixed · P36M/P47M (36 to less than 48 months - Interest paid 6 monthly and on Maturity) | 2.25% | 36 to less than 48 months; $1,000.00 and over | every 6 months |
| Fixed · P48M/P59M (48 to less than 60 months - Interest paid 6 monthly and on Maturity) | 2.25% | 48 to less than 60 months; $1,000.00 and over | every 6 months |
| Fixed · 5 years (60 months - Interest paid 6 monthly and on Maturity) | 2.25% | 60 month; $1,000.00 and over | every 6 months |
| Fixed · P3M/P5M (3 to less than 6 months - Interest paid Monthly (every 28 days)) | 1.45% | 3 to less than 6 months; $5,000.00 and over | monthly |
| Fixed · P6M/P8M (6 to less than 9 months - Interest paid Monthly (every 28 days)) | 2.2% | 6 to less than 9 months; $5,000.00 and over | monthly |
| Fixed · P9M/P11M (9 to less than 12 months - Interest paid Monthly (every 28 days)) | 2.2% | 9 to less than 12 months; $5,000.00 and over | monthly |
| Fixed · P12M/P23M (12 to less than 24 months - Interest paid Monthly (every 28 days)) | 2.2% | 12 to less than 24 months; $5,000.00 and over | monthly |
| Fixed · P24M/P35M (24 to less than 36 months - Interest paid Monthly (every 28 days)) | 2.2% | 24 to less than 36 months; $5,000.00 and over | monthly |
| Fixed · P36M/P47M (36 to less than 48 months - Interest paid Monthly (every 28 days)) | 2.2% | 36 to less than 48 months; $5,000.00 and over | monthly |
| Fixed · P48M/P59M (48 to less than 60 months - Interest paid Monthly (every 28 days)) | 2.2% | 48 to less than 60 months; $5,000.00 and over | monthly |
| Fixed · 5 years (60 month - Interest paid Monthly (every 28 days)) | 2.2% | 60 month; $5,000.00 and over | monthly |
| Fixed · 1 year (12 months - Interest paid Fortnightly (every 14 days)) | 2.15% | 12 month; $2,000.00 and over | every 14 days |
| Fixed · 1 year (12 month Special - Interest paid Monthly (every 28 days)) | 5.13% | 12 month; $5,000.00 and over | monthly |
| Fixed · 2 years (24 month Special - Interest paid Monthly (every 28 days)) | 4.4% | 24 month; $5,000.00 and over | monthly |

## 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 | Event | $20.00 |
| Audit Certificate — Per certificate | Event | $30.00 |
| Unclaimed monies/dormant account — Maximum charge per account | Event | $40.00 |
| Bulk coin count — Maximum charge | Deposit | $5.00 |
| Total cash withdrawal over $2,000 in a day — A fee of 0.2% of total cash withdrawals is charged for total cash withdrawals over $2000 in a day. | Withdrawal | 0.2% of transaction |
| Manual deposit other institution | Deposit | $10.00 |
| Trace on Financial Institution cheque — Charges either wholly or partly imposed by third parties. | Event | $50.00 |
| Copy of Financial Institution cheque — Maximum charge. Charges either wholly or partly imposed by third parties. | Event | $16.00 |
| Stop payment fee (IMB cheques) — Maximum charge. Charges either wholly or partly imposed by third parties. | Event | $12.50 |
| Foreign cheque conversion (value less than AU$10,000) — Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties | Deposit | $25.00 |
| Foreign cheque conversion (value AU$10,000 and greater) — Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties | Deposit | $50.00 |
| Purchase of foreign currency — $10 or 1% of the value of the total order (whichever is greater). | Withdrawal | 1% of transaction |
| SMS Alerts  — Per alert | Event | $0.25 |

## 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** — $1,000.00 (A higher minimum opening balance may apply for select terms or for term deposits opened online.)
- **Minimum balance** — $1,000.00 (A 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 from IMB Bank

- [Overview](https://www.imb.com.au/banking/term-deposits)
- [Terms & conditions](https://www.imb.com.au/important-information)
- [Fees & pricing](https://www.imb.com.au/help-centre/rates-and-fees)
- [Bundle information](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. Not all product options are available online.)

## Data provenance

- Published by IMB Bank under the Consumer Data Right
- Product ID: `TD-1-1`
- Last updated by the provider: 4 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/imb-bank/TD-1-1
- Provider page: https://www.cdrcompare.au/brands/imb-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000096

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/imb-bank/products/TD-1-1) — 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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