{ "snapshot_at": "2026-10-02T09:51:02Z", "brand": "St.George Bank", "brand_slug": "st-george-bank", "product_id": "STGTDTermDeposit", "cdr_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit'", "note": "Verbatim copy of the bank's Consumer Data Right product detail response as fetched by Deep Almanac. The live endpoint requires the x-v header shown. snapshot_at is when this version of the record was first fetched; the file is rewritten only when the bank's data changes.", "data": { "productId": "STGTDTermDeposit", "lastUpdated": "2026-09-21T00:57:08Z", "productCategory": "TERM_DEPOSITS", "name": "Term Deposit", "description": "Get a fixed interest rate for your fixed term investment.", "brand": "St. George Bank", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits", "termsUri": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits", "eligibilityUri": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits", "feesAndPricingUri": "https://www.stgeorge.com.au/help/interest-rates/fixed-term-deposits" }, "features": [ { "featureType": "OTHER", "additionalInfo": "Offers available on Term Deposits opened or renewed by existing St.George personal or business customers. Available on deposits of $1,000-$2,000,000 with interest paid monthly or at maturity depending on term. T&Cs Apply." }, { "featureType": "OTHER", "additionalInfo": "Predictable earnings: With a fixed interest rate, you?ll know exactly how much you?re going to earn over your choice of fixed term." }, { "featureType": "OTHER", "additionalInfo": "Online bonus rates: Logon to check if you qualify for higher rates than those featured. You'll get an extra 0.10% p.a. for opening or renewing online." }, { "featureType": "OTHER", "additionalInfo": "Secured savings: Avoid the temptation to dip into your savings, by locking your investment away for a fixed length of time." }, { "featureType": "OTHER", "additionalInfo": "Options at maturity: Choose whether to withdraw funds or reinvest them, providing your instructions online or in the app." }, { "featureType": "OTHER", "additionalInfo": "Open a Term Deposit with as little as $1000 and pay no set up or monthly fees. Rates featured are available on deposits of up to $2000000." }, { "featureType": "OTHER", "additionalInfo": "When you open a St.George Term Deposit, your money will be looked after by an Australian banking group that dates back over 200 years. Plus, combined balances up to $250,000 per account holder are guaranteed by the Australian Government under its Financial Claims Scheme." }, { "featureType": "OTHER", "additionalInfo": "Business customers are eligible to open an account and can open account either by Branch, Phone, online." }, { "featureType": "OTHER", "additionalInfo": "Opening Confirmation, Maturity, Reinvestment and Repayment advices are sent as regular advices" }, { "featureType": "OTHER", "additionalInfo": "Choice of terms ranges from 1 to 60 months" }, { "featureType": "FRAUD_PROTECTION", "additionalInfo": "The product includes limited fraud protection features." }, { "featureType": "RELATIONSHIP_MANAGEMENT", "additionalInfo": "Relationship management is available for eligible customers." }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "Internet Banking, Phone Banking, Branch banking , Bank@Post options are available" }, { "featureType": "OTHER", "additionalInfo": "Interest payment options are available" } ], "constraints": [ { "constraintType": "MIN_BALANCE", "additionalValue": "1000.00", "additionalInfo": "Minimum Opening Balance" }, { "constraintType": "MAX_BALANCE", "additionalValue": "2000000.00", "additionalInfo": "Maximum Balance" } ], "eligibility": [ { "eligibilityType": "MIN_AGE", "additionalValue": "14" }, { "eligibilityType": "RESIDENCY_STATUS", "additionalValue": "Australian Permanent Resident " }, { "eligibilityType": "OTHER", "additionalInfo": "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check for bonus rates and manage your Term Deposit online." }, { "eligibilityType": "OTHER", "additionalInfo": "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)." } ], "depositRates": [ { "depositRateType": "FIXED", "rate": "0.014", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "1 Month", "unitOfMeasure": "MONTH", "minimumValue": "1", "maximumValue": "1", "rateApplicationMethod": "WHOLE_BALANCE" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P1M", "additionalInfo": "Interest paid at maturity" }, { "depositRateType": "FIXED", "rate": "0.0165", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "2 Months", "unitOfMeasure": "MONTH", "minimumValue": "2", "maximumValue": "2", "rateApplicationMethod": "WHOLE_BALANCE" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P2M", "additionalInfo": "Interest paid at maturity" }, { "depositRateType": "FIXED", "rate": "0.0325", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "3 Months", "unitOfMeasure": "MONTH", "minimumValue": "3", "maximumValue": "3", "rateApplicationMethod": "WHOLE_BALANCE" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P3M", "additionalInfo": "Interest paid at maturity" }, { "depositRateType": "FIXED", "rate": "0.034", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "4 Months", "unitOfMeasure": "MONTH", "minimumValue": "4", "maximumValue": "4", "rateApplicationMethod": "WHOLE_BALANCE" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P4M", "additionalInfo": "Interest paid at maturity" }, { "depositRateType": "FIXED", "rate": "0.0345", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "5 Months", "unitOfMeasure": "MONTH", "minimumValue": "5", "maximumValue": "5", "rateApplicationMethod": "WHOLE_BALANCE" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P5M", "additionalInfo": "Interest paid at maturity" }, { "depositRateType": "FIXED", "rate": "0.034", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "6 Months", "unitOfMeasure": "MONTH", "minimumValue": "6", "maximumValue": "6", "rateApplicationMethod": "WHOLE_BALANCE" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P6M", "additionalInfo": "Interest paid at maturity" }, { "depositRateType": "FIXED", "rate": "0.0355", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "7 Months", "unitOfMeasure": "MONTH", "minimumValue": "7", "maximumValue": "7", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid at maturity" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P7M" }, { "depositRateType": "FIXED", "rate": "0.036", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "8 Months", "unitOfMeasure": "MONTH", "minimumValue": "8", "maximumValue": "8", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid at maturity" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P8M" }, { "depositRateType": "FIXED", "rate": "0.0365", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "9 Months", "unitOfMeasure": "MONTH", "minimumValue": "9", "maximumValue": "9", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid at maturity" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P9M" }, { "depositRateType": "FIXED", "rate": "0.037", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "10 Months", "unitOfMeasure": "MONTH", "minimumValue": "10", "maximumValue": "10", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid at maturity" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P10M" }, { "depositRateType": "FIXED", "rate": "0.0375", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "11 Months", "unitOfMeasure": "MONTH", "minimumValue": "11", "maximumValue": "11", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid at maturity" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P11M" }, { "depositRateType": "FIXED", "rate": "0.0475", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "12 Months", "unitOfMeasure": "MONTH", "minimumValue": "12", "maximumValue": "12", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid at maturity" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P12M" }, { "depositRateType": "FIXED", "rate": "0.045", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "24 Months", "unitOfMeasure": "MONTH", "minimumValue": "24", "maximumValue": "35", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid annually" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P24M" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "36 Months", "unitOfMeasure": "MONTH", "minimumValue": "36", "maximumValue": "47", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid annually" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P36M" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "48 Months", "unitOfMeasure": "MONTH", "minimumValue": "48", "maximumValue": "59", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid annually" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P48M" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "60 Months", "unitOfMeasure": "MONTH", "minimumValue": "60", "maximumValue": "60", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid annually" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P60M" }, { "depositRateType": "FIXED", "rate": "0.0335", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "6 Months", "unitOfMeasure": "MONTH", "minimumValue": "6", "maximumValue": "6", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid monthly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P6M" }, { "depositRateType": "FIXED", "rate": "0.035", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "7 Months", "unitOfMeasure": "MONTH", "minimumValue": "7", "maximumValue": "7", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid monthly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P7M" }, { "depositRateType": "FIXED", "rate": "0.0355", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "8 Months", "unitOfMeasure": "MONTH", "minimumValue": "8", "maximumValue": "8", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid monthly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P8M" }, { "depositRateType": "FIXED", "rate": "0.036", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "9 Months", "unitOfMeasure": "MONTH", "minimumValue": "9", "maximumValue": "9", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid monthly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P9M" }, { "depositRateType": "FIXED", "rate": "0.0365", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "10 Months", "unitOfMeasure": "MONTH", "minimumValue": "10", "maximumValue": "10", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid monthly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P10M" }, { "depositRateType": "FIXED", "rate": "0.037", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "11 Months", "unitOfMeasure": "MONTH", "minimumValue": "11", "maximumValue": "11", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid monthly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P11M" }, { "depositRateType": "FIXED", "rate": "0.047", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "12 Months", "unitOfMeasure": "MONTH", "minimumValue": "12", "maximumValue": "12", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid monthly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P12M" }, { "depositRateType": "FIXED", "rate": "0.047", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "13 Months", "unitOfMeasure": "MONTH", "minimumValue": "13", "maximumValue": "23", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid monthly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P13M" }, { "depositRateType": "FIXED", "rate": "0.0445", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "24 Months", "unitOfMeasure": "MONTH", "minimumValue": "24", "maximumValue": "35", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid monthly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P24M" }, { "depositRateType": "FIXED", "rate": "0.0395", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "36 Months", "unitOfMeasure": "MONTH", "minimumValue": "36", "maximumValue": "47", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid monthly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P36M" }, { "depositRateType": "FIXED", "rate": "0.0395", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "48 Months", "unitOfMeasure": "MONTH", "minimumValue": "48", "maximumValue": "59", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid monthly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P48M" }, { "depositRateType": "FIXED", "rate": "0.0395", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "60 Months", "unitOfMeasure": "MONTH", "minimumValue": "60", "maximumValue": "60", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid monthly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P60M" }, { "depositRateType": "FIXED", "rate": "0.047", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P6M", "tiers": [ { "name": "12 Months", "unitOfMeasure": "MONTH", "minimumValue": "12", "maximumValue": "12", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid half yearly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P12M" }, { "depositRateType": "FIXED", "rate": "0.047", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P6M", "tiers": [ { "name": "13 Months", "unitOfMeasure": "MONTH", "minimumValue": "13", "maximumValue": "23", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid half yearly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P13M" }, { "depositRateType": "FIXED", "rate": "0.0445", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P6M", "tiers": [ { "name": "24 Months", "unitOfMeasure": "MONTH", "minimumValue": "24", "maximumValue": "35", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid half yearly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P24M" }, { "depositRateType": "FIXED", "rate": "0.0395", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P6M", "tiers": [ { "name": "36 Months", "unitOfMeasure": "MONTH", "minimumValue": "36", "maximumValue": "47", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid half yearly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P36M" }, { "depositRateType": "FIXED", "rate": "0.0395", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P6M", "tiers": [ { "name": "48 Months", "unitOfMeasure": "MONTH", "minimumValue": "48", "maximumValue": "59", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid half yearly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P48M" }, { "depositRateType": "FIXED", "rate": "0.0395", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P6M", "tiers": [ { "name": "60 Months", "unitOfMeasure": "MONTH", "minimumValue": "60", "maximumValue": "60", "rateApplicationMethod": "WHOLE_BALANCE", "additionalInfo": "Interest paid half yearly" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P60M" }, { "depositRateType": "FIXED", "rate": "0.052", "calculationFrequency": "P1D", "applicationType": "MATURITY", "tiers": [ { "name": "12 Months", "unitOfMeasure": "MONTH", "minimumValue": "12", "maximumValue": "12", "rateApplicationMethod": "WHOLE_BALANCE" } ], "applicabilityConditions": [ { "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT", "additionalValue": "1000.00" } ], "additionalValue": "P12M", "additionalInfo": "12 month offer available for a limited time only on Term Deposits opened or renewed by existing St.George personal or business customers. " }, { "depositRateType": "BONUS", "rate": "0.001", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicabilityConditions": [ { "rateApplicabilityType": "ONLINE_ONLY" } ], "additionalValue": "P12M", "additionalInfo": "PLUS, an additional 0.10% p.a. online bonus offer2 when you open or renew online" } ] } }