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Rate Climber Term Deposit

The flexible choice with built-in growth


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Guaranteed increasing rates over the term

The perfect choice if you're looking for a flexible longer-term investment with guaranteed escalating rates. Plus, if your goals change, you can redeem your money on the anniversary dates.


Choose this term deposit if you:


Want more interest each and
every year

Want to be able to withdraw funds
on each anniversary

Want to lock in a longer term to
get a higher rate



Get a higher rate each year

With this flexible term deposit, your interest rate climbs each year so you can watch your investment grow while keeping convenient access to your money. 


Rate Climber Term Deposit Features:

 Escalating rates — You always have a competitive rate as it increases each and every year

 Choice of term — This term deposit features the choice of 3 or 5 year terms

​ ​​Higher longer term rates — The longer the term, the more you earn with this choice

 Each access to your money — This term deposit is fully or partially cashable on each anniversary

Watch your money grow




Talk to an advisor to get the right term deposit

Term deposits are a great investment tool. We'll help you determine what term deposit fits your savings goals, including:

 Saving for a short-term or longer term goal

 Needing access to the funds

​ Getting the best rate available


Not finding what you're looking for?

Let one of Island-based experts help. 

 Talk to a representative online now

Products, features and rates are subject to change without notice. All rates are quoted per annum, unless otherwise noted.

In the event of a discrepancy between the rates posted on this website and the official rates posted in our branches, the latter shall prevail.