Investment certainty for your clients
A secure investment with easy application and management.
Macquarie Term Deposit account
Be confident that your clients’ money is invested securely
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.
$0
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?
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.
| Term | 1 month | 2 month | 3 month | 4 month | 6 month | 9 month | 1 year | 2 year | 3 year | 5 year |
|---|---|---|---|---|---|---|---|---|---|---|
| Rate %pa2 |
0.75 | 1.05 | 1.65 | 1.65 | 1.60 | 1.50 | 1.40 | 1.40 | 1.45 | 1.50 |
For deposits up to $1 million2
| Term | Interest paid at maturity | Interest paid monthly | Interest paid quarterly | Interest paid half-yearly | Interest paid annually |
|---|---|---|---|---|---|
| 1 month | 0.75% pa | 0.75% pa | Not available | Not available | Not available |
| 2 months | 1.05% pa | 1.05% pa | Not available | Not available | Not available |
| 3 months | 1.65% pa | 1.65% pa | 1.65% pa | Not available | Not available |
| 4 months | 1.65% pa | 1.65% pa | Not available | Not available | Not available |
| 6 months | 1.60% pa | 1.59% pa | 1.60% pa | 1.60% pa | Not available |
| 9 months | 1.50% pa | 1.49% pa | 1.49% pa | Not available | Not available |
| 1 year | 1.40% pa | 1.39% pa | 1.39% pa | 1.40% pa | 1.40% pa |
| 2 years | Not available | 1.39% pa | 1.39% pa | 1.40% pa | 1.40% pa |
| 3 years | Not available | 1.44% pa | 1.44% pa | 1.44% pa | 1.45% pa |
| 4 years | Not available | 1.44% pa | 1.44% pa | 1.44% pa | 1.45% pa |
| 5 years | Not available | 1.49% pa | 1.49% pa | 1.49% pa | 1.50% pa |
For more information on rates for term deposits greater than $1million, contact your business development manager or request a call now.
Expertise Articles
Expertise
Explore our expertise to help your client experience
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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Macquarie's CMA gives me confidence
1 in 3 Australian SMSFs* use the Macquarie Cash Management Account to manage their cash flow with confidence.
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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