Get guaranteed returns with our rock-solid business term deposit interest rates.


No set-up fees, no account-keeping fees. Just money making more money.


Invest as little as $5000 – or as much as $2 million – for between one month and 60 months.


Get payouts monthly, annually or at maturity.

Rate rundown.

Looking to stay up to date on our best rates? Leave your details and we’ll keep you in the loop.

Stay in the loop

Facts & fees.

Open an account.


Get fee-free cash management today.

New customers:

Download and open now

Existing customers:

Download and open now

Application checklist.

Make sure you’ve got all the paperwork you need for your online business savings account application. The checklist is part of the form.

Get verified in person.

You can also get your identity verified by sending us copies of ID documents, like your passport or driver’s licence.

Get the form

Don't take our word for it.

Mozo Experts Choice 2018

SMSF Term Deposit

Business savings.

Get interest and manage your cash flow with a ME business savings account.

Business online savings account

Online banking.

Manage your ME accounts from anywhere, anytime.

Free-range banking


Expect the unexpected – and protect your assets.

Get covered

The legal stuff.

The legal stuff.

Term Deposit Terms and Conditions

Interest rates are current as at 8am 20-Feb-2020 and subject to change.
Terms and conditions apply. Fees and charges may apply. This is general information only and you should consider if this product is right for you.
Rates are for deposits between $5,000 and $2,000,000. For rates for amounts above $2,000,000, contact ME on 13 15 63.

You will get the interest rate that applies to your term deposit on the day your account is opened.
All terms are in calendar months. We offer terms between one month and 60 months.
Your total deposits with ME up to $250,000 are guaranteed under the Australian Government Financial Claims Scheme.
The above rates are based on interest paid at maturity for terms up to 12 months and interest paid annually and at maturity for terms greater than 12 months.
If your term deposit was opened before 29 May 2016, you can close your Term Deposit immediately, at any time. However if it has been reinvested after 29 May 2016 you still need to give at least 31 days notice.
We will credit interest at the selected interest payment frequency and at the maturity of the term.

Award notes

Mozo Experts Choice Award: The awards recognise products that deliver exceptional value or benefits to consumers. Judges base their decision on hard-nosed calculations of value to the consumer, using Mozo’s extensive product database and research capacity. Experts Choice Awards are awarded to the top 10% of products that meet the selection criteria in each awards category.