St George Term Deposit Rates: The Full Table, Verified Against Three Conflicting Sources

Search for St George term deposit rates and you’ll find three different headline figures across comparison sites: 5.35%, 5.15%, and 4.75%. Only one of those is actually current. Here’s the real rate table, sourced directly from St.George.

If you’re also looking into this, our guide to BOQ Term Deposit Rates: The Real Numbers (2026) covers it in detail.

Quick Answer: St George Term Deposit Rates

St George’s current term deposit rates run from 1.40% per annum on a 1-month term up to 4.75% per annum at maturity on 12 months, its best available rate. So, the minimum deposit is $1,000, with a maximum of $2,000,000. Early withdrawal requires a minimum of 31 days’ notice, except in cases of genuine hardship, and usually comes with an interest rate adjustment. Existing online customers also get an extra 0.10% per annum bonus when opening or renewing a term deposit online.

The Full St George Term Deposit Rates Table

• Short terms of 1 to 2 months pay the lowest rates. A 1-month term earns 1.40% per annum and a 2-month term earns 1.65% per annum, both well below the longer-term rates.
• 3 to 5 month terms sit in the middle. So, these run from 3.25% per annum on 3 months up to 3.45% per annum on 5 months, rising gradually as the term lengthens.
• 6 to 11 month terms offer a choice of payment frequency. These range from 3.35% to 3.75% per annum. The exact rate depends on the term and whether you pick monthly or at-maturity interest.
• 12 months is currently St George’s best rate. A 12-month term pays 4.70% per annum with monthly or half-yearly interest. Take interest at maturity instead and it’s 4.75% per annum.
• Terms beyond 12 months actually pay less. 24 to 35 months runs 4.45% to 4.50% per annum. 36 to 60 months runs 3.95% to 4.00% per annum. Both sit below the 12-month rate.

Why Three Different Sites Show Three Different Rates

• Comparison sites don’t always update in real time. So, a site showing 5.35% or 5.15% is very likely displaying a stale figure from a previous rate cycle, not St George’s current rate.
• Term deposit rates change more often than many sites refresh. Banks adjust these rates periodically, and third-party sites can lag behind by weeks or months without a clear “last updated” flag.
• The safest source is always the bank’s own page. So, cross-check any comparison site’s figure against St.George’s official interest rates page before relying on it.
• This gap matters for real decisions. Locking in a term deposit based on an outdated rate figure could mean a real mismatch between what you expected and what you actually earn.

The 31-Day Notice Period and Online Bonus

• Early withdrawal requires 31 days’ notice. So, if you need your money back before the term ends, you generally can’t access it immediately, except in genuine hardship cases.
• An interest rate adjustment usually applies to early withdrawals. This means breaking the term early typically costs you some of the interest you would have otherwise earned.
• Online customers get an extra 0.10% per annum bonus. So, if you’re already banking with St George online and open or renew a term deposit through the same channel, this small bonus applies on top of the standard rate.
• This bonus is easy to miss on comparison sites. Most third-party listings show the base rate only, so check directly with St George if you’re eligible for the online uplift.

Which Term Currently Pays Best

• 12 months is the clear standout right now. At up to 4.75% per annum, it beats every other term St George currently offers, including the longer 24-to-60-month options.
• Shorter terms suit money you might need soon. So, if locking funds away for a full year doesn’t work for your situation, the 3-to-5 month terms offer a reasonable middle ground.
• Going longer than 12 months doesn’t currently pay off. Terms of 24 months or more actually pay less than the 12-month rate, so there’s little reason to lock in longer right now.
• Always confirm the current rate before committing. So, since rates shift over time, check St George’s own page at the time you’re ready to open the term deposit.

For related reading, see our guides to Judo Bank Term Deposit Rates: The Full Table and Why It’s Shaped This Way and Bendigo Bank Term Deposit Rates: The Full Table (2026).

FAQ: St George Term Deposit Rates

What is St George’s current best term deposit rate?
4.75% per annum at maturity on a 12-month term, St George’s best currently available rate as of August 2026.

What is the minimum deposit for a St George term deposit?
$1,000, with a maximum of $2,000,000 for standard term deposits.

Can I withdraw a St George term deposit early?
Yes, with a minimum of 31 days’ notice, except in genuine hardship cases, and an interest rate adjustment usually applies.

Does St George offer a bonus rate for opening online?
Yes, existing online customers get an extra 0.10% per annum bonus when opening or renewing a term deposit online.

Why do comparison sites show different St George term deposit rates?
Many display stale figures that haven’t been updated to match St George’s current rate. Always cross-check against St.George’s own official rates page.

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