Newcastle Permanent term deposit rates
5 terms published on 10 Oct 2026, best 5.20% for 12 months, from Newcastle Permanent’s own Consumer Data Right feed.
Today’s rates >_Interest on a deposit →Newcastle Permanent website →
Newcastle Permanent at a glance
Today’s rates5 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 1yr | 5.20% | joint #44 of 75 | −0.05 | −0.40 | ▲ +0.05 29 Sep | in effect since 29 Sep 2026 | $1,000 | Term Deposit |
| 2yr | 4.25% | #52 of 67 | −0.45 | −1.30 | — | same on every day read since 26 Aug 2026 (45 of 46 days read) | $1,000 | Term Deposit |
| 3yr | 3.75% | #40 of 51 | −0.55 | −1.70 | — | same on every day read since 26 Aug 2026 (45 of 46 days read) | $1,000 | Term Deposit |
| 4yr | 3.55% | #24 of 32 | −0.45 | −1.95 | — | same on every day read since 26 Aug 2026 (45 of 46 days read) | $1,000 | Term Deposit |
| 5yr | 3.55% | joint #22 of 31 | −0.45 | −1.95 | — | same on every day read since 26 Aug 2026 (45 of 46 days read) | $1,000 | Term Deposit |
“Rank”, “vs median” and “vs best” compare Newcastle Permanent with every bank that publishes the same term today. “This rate” is the first day our daily read showed the current rate — a rate that changed between two reads is dated to the first read that showed it.
What Newcastle Permanent publishes about its products1 term deposit product · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| Term Deposit | at maturity, monthly, yearly, quarterly, half-yearly | $1,000 | $99,999,999.99 | 5 | product page · terms · fees · eligibility |
Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 14 — 14 years of age or older, or a parent or legal guardian of a child under 14 years of age and you open the account on their behalf.; residency: Living in Australia and have an Australian residential address
- Conditions
- min balance 1000.00; opening balance 1000.00
- Features
- digital banking — Internet Banking and Mobile Banking; relationship management — Eligible customers enjoy dedicated and personalised service from the Premium Banking team.; other — 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 Feb…
- The bank’s description
- 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.
- Interest calculated
- daily
Every line is the bank’s own statement in its feed, read that day — nothing is inferred. Early-withdrawal terms appear under conditions or features when a bank states them.
Rate historyevery sweep day since 26 Aug 2026 · 46 days · 5 terms
1yr 5.20% today
26 Aug 202610 Oct 2026
2yr 4.25% today
26 Aug 202610 Oct 2026
3yr 3.75% today
26 Aug 202610 Oct 2026
4yr 3.55% today
26 Aug 202610 Oct 2026
5yr 3.55% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Newcastle Permanent published for that term on each day we read its feed. A break in the line is a day we read no rate for that term — the feed could not be read, or the bank did not publish that term that day — never a rate carried forward.
Where Newcastle Permanent sitsagainst the 77 banks ranked today
1yr: 43 banks ahead
- Community First Bank 5.60%
- Dnister Bank 5.55%
- Heartland Bank 5.55%
- Unity Bank 5.50%
- Alex Bank 5.50%
- Bank Australia 5.50%
- and 37 more on the leaderboard
Customer-owned banks52 banks · top 10 by best rate
| Bank | Best | Term | 6 m | 12 m | Market rank |
|---|---|---|---|---|---|
 Community First Bank | 5.60% | 1yr | 5.10% | 5.60% | #1 |
 Dnister Bank | 5.55% | 1yr | 5.30% | 5.55% | #2 |
| Unity Bank | 5.55% | 2yr | 5.35% | 5.50% | #2 |
 Bank Australia | 5.50% | 1yr | 5.30% | 5.50% | #5 |
 Bank First | 5.50% | 1yr | 5.30% | 5.50% | #5 |
 Qudos Bank | 5.50% | 1yr | 5.30% | 5.50% | #5 |
 Great Southern Bank | 5.45% | 1yr | 4.55% | 5.45% | #11 |
 People First Bank | 5.45% | 7mo | 5.00% | 5.20% | #11 |
 Police Credit Union | 5.45% | 11mo | 5.00% | 5.25% | #11 |
 QBANK | 5.45% | 1yr | 5.30% | 5.45% | #11 |
| Newcastle Permanent | 5.20% | 1yr | — | 5.20% | #53 |
Timeline1 rate change since 26 Aug 2026 · ▲1 ▼0 · 1 event
| Date | Term | From → to | Δ |
|---|---|---|---|
| 30 Sep 2026 | RBA | RBA cash rate 4.60% — up 0.25 pointsReserve Bank decision effective 2026-09-30: cash rate target 4.60%, a rise of 0.25 percentage points. | |
| 29 Sep 2026 | 1yr | 5.15 → 5.20 | ▲ +0.05 |
Questions about these rates
What is Newcastle Permanent’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Newcastle Permanent publishes in its Consumer Data Right feed is 5.20% for 12 months (Term Deposit). That is joint #53 of the 77 Australian banks ranked by best rate today.
What is Newcastle Permanent’s 12-month term deposit rate?
5.20% as read on 10 Oct 2026, 0.05 points below the market median of 5.25%, and joint #44 of the 75 banks publishing a 12-month rate. The market-best 12-month rate today is 5.60%.
What is the minimum deposit at Newcastle Permanent?
The lowest minimum Newcastle Permanent states in its feed is $1,000 (Term Deposit, 12-month). Check the product disclosure statement for balance tiers.
When did Newcastle Permanent last change a term deposit rate?
The most recent change we read was on 29 Sep 2026: the 12-month rate moved from 5.15% to 5.20%. We have read 1 change at Newcastle Permanent since 26 Aug 2026.
Are deposits with Newcastle Permanent guaranteed?
Newcastle Permanent publishes its products under the Consumer Data Right as an Australian data holder. Under the Financial Claims Scheme, administered by APRA, protected Australian-dollar deposit accounts at an Australian-incorporated authorised deposit-taking institution (ADI) are covered up to $250,000 per account holder per ADI. Several brands can share one ADI licence, in which case the cap covers them together, so confirm which licence Newcastle Permanent operates under before relying on the guarantee. Scheme facts checked against apra.gov.au (Financial Claims Scheme) on 15 Sep 2026 — the link is under “About Newcastle Permanent” below; rates are as read on 10 Oct 2026.
About Newcastle Permanent
- Also known as
- Newcastle Permanent Building Society
- Type
- Customer-owned bank (mutual)
- Part of
- Newcastle Greater Mutual Group
- Consumer Data Right feed
- https://openbank.newcastlepermanent.com.au
- Deposit guarantee
- Financial Claims Scheme, up to $250,000 per account holder per ADI — scheme details and covered institutions at APRA (checked 15 Sep 2026)
The rates on this page are the retail term deposit rates Newcastle Permanent publishes in its own Consumer Data Right product feed, read once a day. Business, SMSF and staff-only products are left out. A product the bank publishes as “tailored” (pricing may be negotiated) is included only when the bank also states it is open to individuals, and is marked as tailored. A day on which we read no rate is a gap on this page — never an estimate.
Facts about the institution reviewed 15 Sep 2026. Rates read 10 Oct 2026.
Savings accounts at Newcastle Permanenthighinterestsavingsaccounts.org
A savings account keeps the money at call, but its rate can change at any time and its best rate usually has monthly conditions. A term deposit locks one rate for its term. Both figures come from the bank’s own feed.
Please note: the savings figures on this page are estimates only and may not reflect the return you actually receive. Actual returns vary with tax, fees, the interest payment frequency and any change the bank makes to a rate before you open the account. Rates are the bank’s own published Consumer Data Right figures and may differ for particular balance tiers or online-only products. Always read the product disclosure statement, confirm the rate with the bank, and consider your own circumstances. Nothing here is financial advice or a recommendation. This site is published by Nutshell Media Pty Ltd, which is not affiliated with any bank, credit union or building society.