Term investments
Build your wealth with our leading interest rates for term investments
I want to…
Reach your savings target sooner
Apply for a term investment online in minutes
4.00% p.a
24 month term investment
Deposit as little as $10
3.75% p.a
12 month term investment
Deposit as little as $10
Monthly interest can be paid as income stream or be capitalised
3.50% p.a
6 month term investment
Deposit as little as $10
Monthly interest can be paid as income stream or be capitalised
3.25% p.a
31 Day Notice of Withdrawal*
Deposit as little as $10
Only 31 days notice
Monthly interest can be paid as income stream or be capitalised
*Get even more flexibility with a Notice of Withdrawal account
‘Notice of Withdrawal’ accounts are similar to term investments but you can withdraw your money anytime you need it. Just provide 31 days notice and your money is back in your hands.
Start small
$100 is all you need to open a term investment
Watch the money roll in
Interest calculated daily and paid monthly for fixed term investments
No fees
Rest easy knowing we don’t add account maintenance fees
Loyalty bonus
Receive higher interest rates when reinvesting original investment
Start earning today
Our bank beating rates mean you walk away with more
Select your term investment
You’ll need to choose how much you’re going to invest, for how long, how often you want to receive your interest payments and what will happen at the end of the term.
Earn interest
End of term payout
Case study
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!
“My husband and I have been members for quite a few years now. We 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
“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
FAQs
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?
We’re here to help
Write to us
Phone
1300 131 809
9:00am to 5:00pm
Send us an email at
info@apsbenefitsgroup.com.au
Drop in
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.
Everything you need to know about term investments
A NOW account is an ideal way to save with the intention of withdrawing for expenses.
Important information
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.