Compare and choose from our term investments
24 month term
12 month term
6 month term
Enjoy fixed returns
Interest calculated daily and paid monthly for fixed term investments
Earn bonus interest
Get a bonus 0.25% when you reinvest for a new term
No maintenance fees
Earn money without having to worry about fees
Notice of withdrawal (NOW) accounts
31 Day Notice of Withdrawal
A NOW account enables you to withdraw your money anytime you need it. Just provide 31 days notice and your money is back in your hands.
Manage your account online, with direct debit and the flexibility of not having a fixed term
What happens next
Step 1 –
Start an application
You’ll need to choose:
- How much you’re going to invest
- How long for
- How often you want to receive your interest payments and
- What will happen at the end of the term
Step 2 –
Start earning interest
Step 3 –
Reinvest or withdraw funds
How Anthea and John saved for their first home with APS Savings
Saving for a house deposit can take years of hard work but it isn’t impossible if you have the right plan in place. Jonathan and Anthea decided they were ready to knuckle down and save for their first home.
They struggled to find a bank that would offer them an interest rate more than 1% p.a. until a relative recommended APS benefits.
With their $26K investment, Jonathan and Anthea calculated their yearly interest earnings with a major bank to be $70 compared to $500 with an APS Savings account. It was a pretty easy decision from there!
“The friendliest and most efficient service you can get. They take the time to help you and guide you in setting up accounts and savings. Terrific rates for your saving and loans” – Josip
“I feel very secure knowing that our savings are secure and earning very good interest. I would not hesitate to recommend this company to anybody. Thank you so much for all your help.” – Barbara
We’re here to help
Write to us
1300 131 809
9:00am to 5:00pm
What are the fees associated with APS Savings accounts?
Will my investment be secure?
Having commenced business in 1905 and being a nonprofit owned by 30,000 members and clients, we are a very conservative organisation. We use our depositors funds to fund residential property loans secured by first mortgage with a maximum loan to valuation ratio of 80 per cent. We do not fund property developments or commercial or retail property loans.
What are the minimum and maximum deposit amounts?
What are the identification requirements?
What happens when my term investment reaches maturity?
then earning an attractive 4.25% p.a. interest rate.
How is interest calculated and paid?
Your Interest is calculated daily. For term investments, interest is paid monthly as directed by the member or it can be added to the principal each month. For our 31 Day Notice of Withdrawal (NOW) accounts, interest is added to the principal at the end of each calendar month, then earning an attractive 3.25% p.a. interest rate.
How does APS Savings compare to the big banks?
Increase your earning potential and save more, even during uncertain economic times.
Everything you need to know about term investments
Receive a guaranteed interest rate for the term of the investment and build your savings faster.
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 for deposit notes 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.