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    Term Deposits - Adelaide Bank

Interest Rates
Adelaide Bank Term Deposits offer the benefit of bank security.  Interest rates for various terms are shown below.  Please note that interest rates may change at any time without notice.  The interest rate on your term deposit will be determined at the time your application is accepted by Adelaide Bank.

Adelaide Bank - Term Deposit Interest Rates Effective 11 May 2009

Minimum Investment: $5,000

Term

Interest Payable Annually

Interest Payable Monthly

1 year
2 years
3 years
4 years
5 years

3.50% p.a.
4.28% p.a.
3.25% p.a.
3.35% p.a.
3.45% p.a.

3.45% p.a.
4.20% p.a.
3.20% p.a.
3.30% p.a.
3.40% p.a.

Minimum Investment: $25,000

Term

Interest Payable Annually

Interest Payable Monthly

1 year
2 years
3 years
4 years
5 years

3.50% p.a.
4.28% p.a.
3.35% p.a.
3.45% p.a.
3.56% p.a.

3.45% p.a.
4.20% p.a.
3.30% p.a.
3.40% p.a.
3.50% p.a.

Minimum Investment: $100,000

Term

Interest Payable Annually

Interest Payable Monthly

1 year
2 years
3 years
4 years
5 years

3.50% p.a.
4.28% p.a.
3.45% p.a.
3.56% p.a.
3.66% p.a.

3.45% p.a.
4.20% p.a.
3.40% p.a.
3.50% p.a.
3.60% p.a.

Commission Rebates
DIY Investing Pty Ltd offers the following rebates on term deposit products:
1. 90% of our net initial commission (if our commission is greater than $1,000).
2. Our net initial commission less $100 (if our commission is $1,000 or less).

Adelaide Bank pay upfront commissions on Term Deposits with a terms of at least 1 year.  Examples of commission rebates based on a $100,000 term deposit are:

Term Commission Rate Including GST Net Commission on $100,000 Rebate

1 year
2 years
3 years
4 years
5 years

0.25%
0.50%
0.60%
0.80%
1.00%

$227.27
$454.55
$545.45
$727.27
$909.09

$127.27
$354.55
$445.45
$627.27
$809.09

The commission rebate is dependent on DIY Investing Pty Ltd receiving the initial commission.  DIY Investing Pty Ltd will remit the commission rebate to investors after receiving the commission approximately 1 to 2 months after the initial investment has been accepted.

Please go back to the Term Investments page to request a Product Disclosure Statement.