Get more from your money with up to 5.00% p.a. interest

with a National Seniors Term Deposit account

National Seniors
Term Deposit

With a National Seniors Term Deposit, certainty comes as standard.

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Certainty comes as standard

Get more from your money with up to 5.00% p.a. interest

Get more from your money with up to 5.00% p.a. interest

Get more from your money with a National Seniors Term Deposit.

With no fees and flexible terms, lock in a competitive interest rate that's protected for your fixed term.

Earn competitive interest rates on $5,000 or more.

Members benefit most

Earn a competitive interest rate as a National Seniors member.

6 month term

4.95% p.a. interest

8 month term

5.00% p.a. interest

12 month term

5.00% p.a. interest

Non-member rates available on application.

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No fees

No monthly account or transaction fees.

Protected by the Australian Government's deposit guarantee*

Stay secure in the knowledge your investment is protected by the Australian Government's deposit guarantee* up to $250,000.

Flexible terms

Investment terms from 1 to 12 months, with interest paid on maturity or monthly^. Longer terms available on request.

Term deposit interest calculator

See how much your money could grow.

Enquire now

Contact our Deposits team on 1300 342 149 between 8:30am and 5pm AEST weekdays, or complete the form below to send an online enquiry and we will respond as soon as we can.

Making a difference for older Australians

Discover the benefits of a National Seniors Australia membership

Discover the benefits of a National Seniors Australia membership

National Seniors Australia is a not-for-profit organisation established in 1976.  We rely on people like you to become a member, or use our services, so we can continue to tackle issues such as age discrimination, accessible housing, pension poverty, health costs, aged care and improve retirement income.

We also have a range of discounts and benefits to help with the rising cost of living. For only $49.50, anyone can become a member and it only takes a few minutes to join.

About Auswide

Auswide Bank, as an Approved Deposit-Taking Institution, is a smart alternative for National Seniors Australia members investing or saving money.

Established in 1966, Auswide Bank’s mission has been to provide a convenient, high-quality alternative to the big banks and to put customers first. Now more than 55 years on, Auswide Bank continues to help Australians achieve home ownership, create wealth and access banking and financial services – making lives easier.

Through customer service and quality products, Auswide Bank has achieved a national presence, made possible by mutually beneficial relationships, online technology and our network of branches across Queensland. We are proud to offer award winning products, internet and mobile banking and a Queensland-based contact centre.

Now, through Auswide Bank, National Seniors Australia Members can also experience a better way to invest and save. With guidance and one-on-one support from our dedicated partnerships team, we’re here to help you every step of the way!

Terms and conditions

This information is a summary of features & benefits only - full details are available in the relevant terms and conditions. 

~ Rate subject to change at any time without notice.

^ Upon maturity, unless you provide us with new instructions, your Term Deposit will automatically roll over for an identical term at the current interest rate applicable to that term. When your funds are renewed for the same fixed term as before, the applicable interest rate may be higher or lower than the interest rate that you received in the previous term due to the rates we offer changing from time to time. Any withdrawal of part or all funds prior to maturity will be subject to 31 days' notice. If you are experiencing hardship and need to withdraw your funds on less than 31 days notice, please contact us immediately. Alternatively at the end of your term, should you wish to modify your Term Deposit, you may notify us 2 calendar days before but no later than 7 calendar days after the maturity date and:

  • Transfer your investment to a different term deposit;
  • Deposit to or withdraw from the term deposit;
  • Have the full amount of your term deposit paid to an account of your choice;

National Seniors Australia Ltd ABN 89 050 523 003 arranges deposits as an authorised representative (AR 282736) of Auswide Bank Ltd, ABN 40 087 652 060 Australian Financial Services Licence 239686. We do not provide any advice based on any consideration of your objectives, financial situation or needs. A target market determination can be obtained at Before making a decision to invest, please consider the Terms and Conditions. If you make a deposit, we will receive a commission from Auswide Bank. For more information about our relationship with Auswide Bank please read the Financial Services Guide contained in the Terms and Conditions.*This account is protected by the Australian Government deposit guarantee. Up to $250,000 of deposits in ‘protected accounts’ held by an entity with Auswide Bank are covered under the Financial Claims Scheme. Information on the Financial Claims Scheme is available at

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