Competitive interest rates
Flexible terms
Flexible interest payments
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Things you should know
*Interest is paid at maturity and the minimum investment is $5,000. Rates are current as at 21 November 2025 and are subject to change without notice. Available to eligible applicants only. Early withdrawals may be permitted at our discretion but will incur penalties.
Information provided is general only and does not take into account your personal objectives, financial situation, or needs. Any rates advertised are current as at the date indicated and are subject to change. Eligibility criteria, fees, and charges may apply. You should seek independent advice and read the relevant terms and conditions, Financial Services Guide, Product Disclosure Statements and Target Market Determinations for the product(s) before deciding if the product(s) is right for you. This information has been prepared by BNK Banking Corporation Limited ABN 63 087 651 849 trading as Goldfields Money, AFSL and Australian Credit Licence 246884.
Frequently asked questions
Term deposits accounts are accounts that offer a fixed rate of interest over the term you choose. You need a minimum amount to open a term deposit and your money is locked away for the term selected.
We’ll send you a notification three (3) weeks prior to your maturity date. If you don’t provide us with instructions after this notice is received, we’ll automatically reinvest your funds for the same term and at the rate applicable on that day. You have seven (7) calendar days from the date of maturity in which you can make changes to your Term Deposit at no additional cost.
You’ll hear from us three (3) weeks prior to maturity so you can let us know how you would like to go ahead.
There is no fee for opening up a Term Deposit.
However, if we agree to allow you to withdraw part or all of the balance before the maturity date, the interest you receive on the amount withdrawn may be reduced based on the term elapsed as a percentage of the total term. This is the Early Withdrawal Adjustment. The closer the early withdrawal date is to the maturity date, the lower the Early Withdrawal Adjustment will be.
Interest will be paid on the maturity date of your investment. You can choose to either have the interest invested back into any new term deposit selected or have it paid into your nominated account.
You will receive the rate advertised on the day you reinvest for the term selected.