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Invest your savings in a Term Deposit with confidence of a guaranteed return. Term Deposits allow you to plan for your future and invest with confidence, knowing that you will receive a higher rate of return than many savings accounts. Gateway's deposits are guaranteed under the Government's Financial Claims Scheme.
Special rates will apply for a single term. Standard Term Deposit rates may apply for any subsequent term. Special rates are not available for corporate, institutional or government customers. Before making a decision, it's best to read the terms and conditions and important information document. Important information. Conditions, fees and credit criteria apply. Before making a decision, it's best to read the terms and conditions. Please read these documents and keep a copy.


The following interest rates apply to standard term deposits where interest is paid at maturity or periodically to a savings account. For compounding term deposit interest rates, please see our Interest Rate Schedule.
| Interest rate | |
| 3 months | 0.60% p.a. |
| 4 months | 0.60% p.a. |
| 5 months | 0.60% p.a. |
| 6 months | 0.65% p.a. |
| 7 months | 0.60% p.a. |
| 9 months | 0.60% p.a. |
| 11 months | 0.60% p.a. |
| 12 months | 0.75% p.a. |
| 18 months | 0.65% p.a. |
| 24 months | 0.65% p.a. |
| 36 months | 0.65% p.a. |
| 48 months | 0.65% p.a. |
| 60 months | 0.65% p.a. |