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Interest paid on maturity

Term (months) Interest Rate
  $1,000.00 - $4,999.99 $5,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 and over
Minimum investment $5,000*
3 Month Special N/A 2.00% pa 2.00% pa 2.00% pa
6 Month Special N/A 2.50% pa 2.50% pa 2.50% pa
12 Month Special N/A 3.80% pa 3.80% pa 3.80% pa
Minimum investment $1,000*
1 - 3 Months 0.10% pa 0.10% pa 0.10% pa 0.10% pa
3 - 6 Months 0.15% pa 0.15% pa 0.15% pa 0.15% pa
6 - 9 Months 0.15% pa 0.15% pa 0.15% pa 0.15% pa
9 - 12 Months 0.15% pa 0.15% pa 0.15% pa 0.15% pa
12 Months 0.15% pa 0.15% pa 0.15% pa 0.15% pa

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Interest paid annually (every 365 days)

Term (months) Interest Rate
  $1,000.00 - $4,999.99 $5,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 and over
Minimum investment $5,000*
24 Month Special N/A 4.00% pa 4.00% pa 4.00% pa
36 Month Special N/A 4.00% pa 4.00% pa 4.00% pa
48 Month Special N/A 4.00% pa 4.00% pa 4.00% pa
60 Month Special N/A 4.00% pa 4.00% pa 4.00% pa

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Interest paid 6 monthly and on maturity

Term (months) Interest Rate
  $1,000.00 - $4,999.99 $5,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 and over
Minimum investment $1,000*
6 - 9 Months 0.15% pa 0.15% pa 0.15% pa 0.15% pa
9 - 12 Months 0.15% pa 0.15% pa 0.15% pa 0.15% pa
12 - 24 Months 0.15% pa 0.15% pa 0.15% pa 0.15% pa
24 - 36 Months 0.15% pa 0.15% pa 0.15% pa 0.15% pa
36 - 48 Months 0.15% pa 0.15% pa 0.15% pa 0.15% pa
48 - 60 Months 0.15% pa 0.15% pa 0.15% pa 0.15% pa
60 Months 0.15% pa 0.15% pa 0.15% pa 0.15% pa

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Interest paid monthly (every 28 days)

Term (months) Interest Rate
  $1,000.00 - $4,999.99 $5,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 and over
Minimum investment $5,000*
12 Month Special N/A 3.74% pa 3.74% pa 3.74% pa
24 Month Special N/A 3.93% pa 3.93% pa 3.93% pa
6 - 9 Months N/A 0.10% pa 0.10% pa 0.10% pa
9 - 12 Months N/A 0.10% pa 0.10% pa 0.10% pa
12 - 24 Months N/A 0.10% pa 0.10% pa 0.10% pa
24 - 36 Months N/A 0.10% pa 0.10% pa 0.10% pa
36 - 48 Months N/A 0.10% pa 0.10% pa 0.10% pa
48 - 60 Months N/A 0.10% pa 0.10% pa 0.10% pa
60 Months N/A 0.10% pa 0.10% pa 0.10% pa

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Interest paid fortnightly (every 14 days)

Term (months) Interest Rate
  $1,000.00 - $4,999.99 $5,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 and over
Minimum investment $2,000*
12 Months 0.05% pa 0.05% pa 0.05% pa 0.05% pa

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Rates effective 18th November 2022. *Rates and terms negotiable for amounts over $100,000. Amounts withdrawn before maturity may incur an interest rate reduction of up to 3%.If upon maturity of your term deposit, you do not provide contrary instructions, your investment will be reinvested at the standard interest rate, which may be higher or lower than your current rate, and this will constitute a new facility. This document forms part of IMB's Product Disclosure Statement (PDS) for products and payment facilities listed in Page1 of IMB's Member Guide to Transaction Banking, which consists of the following documents IMB Member Guide to Transaction Banking PDS and PDS Fees and Charges for IMB Services and PDS Interest Rates for IMB Products, and any other supplementary PDS issued by IMB. Target Market Determinations, available here.

Why choose us?

Established in 1880, IMB Bank is one of the most enduring financial institutions in the country, helping people achieve their financial goals for over 140 years. Our members can access a fully featured range of services: home and personal lending, savings and transaction accounts, term deposits, business banking, and more.

Our renowned personal service is backed by innovation, providing convenient, secure digital banking options where and when you want it. IMB also has a growing retail branch network throughout NSW and Victoria, for when you need to speak to someone in person, and a team of professionals at our locally based contact centre. We have a lending specialist in every branch and a team of mobile lending specialists who will come to you.

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