The IMB Bank Term Deposit pays up to 5.15% p.a. as of 18 September 2026, over a 12-month term, 115th of 590 12-month deposits tracked by BankMate. It is offered over seven terms from 3 months to 5 years, with interest paid annually or quarterly or monthly, from a $5,000 deposit. Its rates last changed on 2 September 2026.
5.15%p.a. · 1 year
interest annually or quarterly or monthly; from $5,000
Early withdrawal is not allowed.
Rates over time
Best rate per term- RBA cash rate
- Market average · 12-month deposits
- 3 months
- 6 months
- 1 year
- 2 years
- 3 years
- 5 years
- 4 years
Changes
4 changes since 9 Apr 2026- Term Deposit · 12-month 5.25 → 5.15−0.10
- Term Deposit · 3-month 4.60 → 5.00+0.40
- Term Deposit · 6-month 5.00 → 5.1036 days after the RBA rise to 4.35%+0.10
- Term Deposit · 12-month 5.20 → 5.2513 days after the RBA rise to 4.35%+0.05
Rates by term
Ranked within each term- 3 months
- 5.00% · #18 of 369 3-month deposits
- 6 months
- 5.10% · #43 of 547 6-month deposits
- 1 year
- 5.15% · #115 of 590 12-month deposits
- 2 years
- 4.50% · #196 of 394 24-month deposits
- 3 years
- 4.50% · #117 of 345 36-month deposits
- 5 years
- 4.00% · #51 of 152 60-month deposits
- 4 years
- 4.00% · #66 of 157 48-month deposits
Deposit
- Minimum deposit
- $5,000
- Maximum deposit
- No cap published
Interest
- Paid
- Annually or Quarterly or Monthly
Early withdrawal
- Before maturity
- Not allowed
About this product
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!