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Newcastle Permanent · Term deposit · 14 terms

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Term Deposit

The Newcastle Permanent Term Deposit pays up to 5.25% p.a. as of 18 September 2026, over a 12-month term, 45th of 590 12-month deposits tracked by BankMate. It is offered over 14 terms from 3 months to 5 years, with interest paid at maturity or quarterly or monthly or annually, from a $1,000 deposit. Its rates last changed on 16 September 2026.

5.25%p.a. · 1 year

interest at maturity or quarterly or monthly or annually; from $1,000

Go to Newcastle Permanent Building Society

Rates over time

Best rate per term
  • RBA cash rate
  • Market average · 12-month deposits
3.004.005.00MayJunJulAugToday5.251 year5.006 months4.503 months4.152 years3.653 years3.609 months3.554 years3.455 years
  • 3 months
  • 6 months
  • 9 months
  • 1 year
  • 2 years
  • 3 years
  • 5 years
  • 4 years

Changes

17 changes since 9 Apr 2026
  1. Term Deposit · 6 terms moved in both directions
    • 24-month 4.25 → 4.15
    • 24-month 4.25 → 4.15
    • 48-month 3.45 → 3.55
    • 48-month 3.45 → 3.55
    • 60-month 3.55 → 3.45
    • 60-month 3.55 → 3.45
    mixed
  2. Term Deposit · 2 terms cut 0.10
    • 48-month 3.55 → 3.45
    • 48-month 3.55 → 3.45
    −0.10
  3. Term Deposit · 6 terms moved in both directions
    • 24-month 4.15 → 4.25
    • 24-month 4.15 → 4.25
    • 36-month 3.75 → 3.65
    • 36-month 3.75 → 3.65
    • 48-month 3.45 → 3.55
    • 48-month 3.45 → 3.55
    mixed
  4. Term Deposit · 6 terms moved in both directions
    • 24-month 4.25 → 4.15
    • 24-month 4.25 → 4.15
    • 48-month 3.55 → 3.45
    • 48-month 3.55 → 3.45
    • 60-month 3.45 → 3.55
    • 60-month 3.45 → 3.55
    mixed
  5. Term Deposit · 6 terms up 0.10
    • 24-month 4.15 → 4.25
    • 24-month 4.15 → 4.25
    • 36-month 3.65 → 3.75
    • 36-month 3.65 → 3.75
    • 48-month 3.45 → 3.55
    • 48-month 3.45 → 3.55
    +0.10
  6. Term Deposit · 2 terms cut 0.10
    • 60-month 3.55 → 3.45
    • 60-month 3.55 → 3.45
    −0.10
Show 11 earlier changes
  1. Term Deposit · 4 terms moved in both directions
    • 24-month 4.25 → 4.15
    • 24-month 4.25 → 4.15
    • 60-month 3.45 → 3.55
    • 60-month 3.45 → 3.55
    mixed
  2. Term Deposit · 6 terms moved in both directions
    • 24-month 4.15 → 4.25
    • 24-month 4.15 → 4.25
    • 36-month 3.75 → 3.65
    • 36-month 3.75 → 3.65
    • 48-month 3.55 → 3.45
    • 48-month 3.55 → 3.45
    mixed
  3. Term Deposit · 2 terms cut 0.10
    • 60-month 3.55 → 3.45
    • 60-month 3.55 → 3.45
    −0.10
  4. Term Deposit · 6-month 4.90 → 5.00
    +0.10
  5. Term Deposit · 4 terms cut 0.10
    • 12-month 5.35 → 5.25
    • 12-month 5.25 → 5.15
    • 12-month 5.25 → 5.15
    • 12-month 5.25 → 5.15
    −0.10
  6. Term Deposit · 2 terms cut 0.10
    • 24-month 4.25 → 4.15
    • 24-month 4.25 → 4.15
    −0.10
  7. Term Deposit · 8 terms up 0.10
    • 24-month 4.15 → 4.25
    • 24-month 4.15 → 4.25
    • 36-month 3.65 → 3.75
    • 36-month 3.65 → 3.75
    • 48-month 3.45 → 3.55
    • 48-month 3.45 → 3.55
    • 60-month 3.45 → 3.55
    • 60-month 3.45 → 3.55
    +0.10
  8. Term Deposit · 6 terms cut 0.10
    • 36-month 3.75 → 3.65
    • 36-month 3.75 → 3.65
    • 48-month 3.55 → 3.45
    • 48-month 3.55 → 3.45
    • 60-month 3.55 → 3.45
    • 60-month 3.55 → 3.45
    −0.10
  9. Term Deposit · 14 terms up 0.10 to 0.2519 days after the RBA rise to 4.35%
    • 12-month 5.25 → 5.35
    • 12-month 5.15 → 5.25
    • 12-month 5.15 → 5.25
    • 12-month 5.15 → 5.25
    • 24-month 3.90 → 4.15
    • 24-month 3.90 → 4.15
    • 24-month 3.90 → 4.15
    • 24-month 3.90 → 4.15
    • 36-month 3.50 → 3.75
    • 36-month 3.50 → 3.75
    • 48-month 3.30 → 3.55
    • 48-month 3.30 → 3.55
    • 60-month 3.30 → 3.55
    • 60-month 3.30 → 3.55
    mixed
  10. Term Deposit · 5 terms moved in both directions
    • 24-month 4.00 → 3.90
    • 24-month 4.00 → 3.90
    • 36-month 3.40 → 3.50
    • 48-month 3.20 → 3.30
    • 60-month 3.20 → 3.30
    mixed
  11. Term Deposit · 4 terms up 0.10
    • 12-month 5.15 → 5.25
    • 12-month 5.05 → 5.15
    • 12-month 5.05 → 5.15
    • 12-month 5.05 → 5.15
    +0.10

Rates by term

Ranked within each term
3 months
4.50% · #143 of 369 3-month deposits
6 months
5.00% · #76 of 547 6-month deposits
9 months
3.60% · #407 of 500 9-month deposits
1 year
5.25% · #45 of 590 12-month deposits
2 years
4.15% · #255 of 394 24-month deposits
3 years
3.65% · #261 of 345 36-month deposits
5 years
3.45% · #90 of 152 60-month deposits
4 years
3.55% · #115 of 157 48-month deposits

Deposit

Minimum deposit
$1,000
Maximum deposit
$100,000,000

Interest

Paid
At maturity or Quarterly or Monthly or Annually
Compounding
monthly

Early withdrawal

Before maturity
Allowed · For Term Deposits opened or last renewed before 23 February 2026, early withdrawals earn a reduced interest rate of 0.01% p.a. for the period invested. For Term Deposits opened or renewed from 23 February 2026, 31 days’ notice is required for early withdrawals, and interest will be recalculated using the reduced interest rate applicable to the shorter investment term.

About this product

A Term Deposit is a secure way to boost your savings, simply open an account, select your term and enjoy the rewards of a high interest investment.

Compare all term deposits