Investment certainty for your clients

A secure investment with easy application and management.

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Macquarie Term Deposit account

Be confident that your clients’ money is invested securely

SMSF Awards 2017 & 2018 Cash and Term Deposits SMSF Adviser and SMSF Member Winner SMSF Awards 2017 Cash and Term Deposits SMSF Adviser and SMSF Member Winner
SMSF Awards 2017 & 2018 Cash and Term Deposits SMSF Adviser and SMSF Member Winner

A secure investment

Lock in an interest rate for a term that suits your clients' needs.

Competitive rates

We're committed to offering competitive interest rates across the short and longer term.


No upfront or ongoing fees

Our term deposits have no establishment, monthly account keeping or management fees.

Government guarantee

The Australian Government guarantees aggregated deposits of up to A$250,0001 with Australian authorised deposit-taking institutions.

Flexible interest payments and investment terms

We offer a choice on how often your clients receive interest payments and a range of investment terms to suit your clients’ needs and overall investment strategies.

Perfect for existing Macquarie clients

Your clients can hold a term deposit as part of their wrap portfolio or link one directly to their Macquarie Cash Management Account (CMA), giving you more flexibility to manage their investments.

The Macquarie difference

Why choose a Macquarie term deposit?

Specialised service

Speak to an expert

Our term deposits are supported by specialist staff who provide efficient, friendly service and detailed product knowledge.

SMSF connectivity

Establish an account for a self-managed superannuation fund

Our term deposits link seamlessly with our CMA. This simplifies your clients’ SMSF accounting, tax returns and end-of-year financial reporting.

Getting started is easy

Quick and secure online account set up

Fast online applications with electronic verification make it easier than ever for your clients to apply for a Macquarie Term Deposit. You can begin the application process on behalf of your client and track its progress.

Product information

These rates apply to financial advisers only. If you are a Macquarie Business Banking client please contact your relationship manager for applicable term deposit rates.

Term1 month2 month3 month4 month6 month9 month1 year2 year3 year5 year
2.00 2.20 2.60 2.65 2.75 2.75 2.80 2.75 2.80 2.80

For deposits up to $1 million2

TermInterest paid at
Interest paid
Interest paid
Interest paid
Interest paid
1 month 2.00% pa 2.00% pa Not available Not available Not available
2 months 2.20% pa 2.20% pa Not available Not available Not available
3 months 2.60% pa 2.59% pa 2.60% pa Not available Not available
4 months 2.65% pa 2.64% pa Not available Not available Not available
6 months 2.75% pa 2.73% pa 2.74% pa 2.75% pa Not available
9 months 2.75% pa 2.73% pa 2.73% pa Not available Not available
1 year 2.80% pa 2.76% pa 2.77% pa 2.78% pa 2.80% pa
2 years Not available 2.72% pa 2.72% pa 2.73% pa 2.75% pa
3 years Not available 2.76% pa 2.77% pa 2.78% pa 2.80% pa
4 years Not available 2.76% pa 2.77% pa 2.78% pa 2.80% pa
5 years Not available 2.76% pa 2.77% pa 2.78% pa 2.80% pa

For more information on rates for term deposits greater than $1million, contact your business development manager or request a call now.

Expertise Articles


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Market updates, expert tips and a range of articles to help you and your clients get the most out of using our cash products.

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What will it take to thrive in a changing environment?

2018 Accounting and Financial Services Benchmarking results.

Macquarie's CMA gives me confidence

1 in 3 Australian SMSFs* use the Macquarie Cash Management Account to manage their cash flow with confidence.

Learn more about our cash products

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