After years of watching savings accounts underperform, many Aussies are starting to look for something better. With interest rates expected to shift again in 2026 and cost-of-living pressures still lingering, certainty and value are becoming more important than ever.
That’s where Term Investments come in, and why we believe more people will be turning to them in the year ahead.
Tired of low returns
Everyday savings accounts just aren’t cutting it anymore. While they once offered a safe place to grow your savings, many accounts now offer returns that barely keep up with inflation, and in some cases, don’t keep up at all.
With interest rates tipped to drop again in 2026, those returns could shrink even further. For savers who want their money to work harder without taking big risks, Term Investments are becoming an increasingly attractive option.
Certainty matters more than ever
When life feels unpredictable, it helps to have at least one thing you can count on.
Term Investments offer peace of mind by locking in a fixed return for a set period. That means no market fluctuations, no rate changes and no surprises. You’ll get a clear understanding of what you’ll earn and when.
In a financial environment that’s constantly shifting, that kind of clarity can make a real difference.
Short terms, long benefits
One of the common misconceptions about Term Investments is that your money is locked away for years. But, they’re often more flexible than you might think.
At APS, you can choose from a range of short-term options: 2, 4,1, 6 or , 12 or 24 months. Depending on your needs and goals. Whether you’re saving for something specific or just want a safe place to park your funds for a little while, Term Investments let you choose what works best for you.
And because you know exactly when your investment matures, it’s easy to plan ahead.
APS Term Investments
Yes, our rates are competitive, but that’s not the only reason our members choose APS.
When you invest with us, you’re supported by a team that genuinely cares. We take the time to explain your options clearly, answer your questions, and make sure you feel confident every step of the way.
There’s no pressure, and no being left to figure things out on your own. We’re here to give you honest advice, friendly service, and an investment that works for you.
Is a Term Investment right for you?
Whether you’re looking to earn more on your savings, take a break from market volatility, or simply want a reliable return over a short period, a Term Investment could be a smart move in 2026.
Get in touch with our team today to learn more about APS Term Investments and how we can help you make the most of your money.
*This is not a bank product, it is an unlisted deposit note. No independent assessment has been made about the risk to investors losing any of their principal investment. Applications can only be made on the Investment Application Form, which accompanies the prospectus issued by APS Savings Ltd. Please read the prospectus carefully before deciding whether to make an investment.