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For those seeking a more secure investment, choose from a range of maturing investments. 

Please note that a minimum investment amount of $5,000, restricted access to capital, and strategy terms apply. If you wish to invest in term deposits, please refer to the relevant product document or contact our Client Services Team for information on the relevant terms and conditions. Note that not all product offerings from the listed providers are available in IOOF Employer Super, IOOF Personal Super and IOOF Pension.

Term deposits

Interest rates as at 30 June 2025 effective 12:00am AEST

ProviderTermInterest rate*
NAB1 month2.30% pa
NAB2 months3.90% pa
Adelaide Bank3 months4.20% pa
ANZ3 months4.32% pa
NAB 3 months4.30% pa
Adelaide Bank6 months4.29% pa
ANZ6 months4.17% pa
NAB6 months4.20% pa
Adelaide Bank12 months3.95% pa
ANZ12 months3.95% pa
NAB12 months4.00% pa
NAB24 months3.80% pa

* Interest rates are generally updated on Monday and are valid until 5pm Thursday of the same week. Interest rates are indicative only and the interest rate applicable to your term deposit may differ from rates shown above. IOOF does not accept any responsibility for any inaccuracy or for investment decisions or any other actions taken by any person on the basis of the information included.

Fixed-term annuities

Challenger Guaranteed Annuity terms, rates and payment frequencies available through IOOF Employer Super, IOOF Personal Super and IOOF Pension for purchase by 5:00pm AEST on Monday, 30 June 2025.

TermBase effective interest rate1Guaranteed additional premium rate2Effective interest rate3Interest payment frequency
1 year3.95% pa0.30% pa 4.25% pa*Semi-annual
2 year4.05% pa0.15% pa4.20% paAnnual
3 year4.20% pa0.15% pa4.35% paAnnual
4 year4.30% pa0.15% pa 4.45% pa Annual
5 year4.40% pa0.15% pa 4.55% pa Annual

New purchases of annuities

Clients must have sufficient available cash in their account at the time of purchasing a new annuity request (1 July 2025). If your clients do not have sufficient cash levels on 1 July 2025, their new annuity request may not be honoured and will need to wait until the next Challenger Annuity Offer to place their instruction.

Reinvesting in annuities

When reinvesting, clients must have sufficient available cash or redeemable investments available in their account at the time of processing a new annuity request (1 July 2025). If your clients do not have sufficient available cash or redeemable investments on the 1 July 2025, their new annuity request may not be honoured and will need to wait until the next Challenger Annuity Offer to place their instruction. 

 

1 Effective 30 June 2025.
2 The premium is fixed and is not subject to change. 
3 This interest rate is the final effective interest rate.
* Semi-annual payment rounded to two decimal places.

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