1300 13 22 77
SMSF Term Deposit
Lock in a guaranteed return for your self-managed super fund
Predictable
Lock in a safe and secure return for your nest egg and enjoy guranteed returns.
Secure
Eligible deposits up to $250,000 are protected under the Australian Government’s Financial Claims Scheme
Flexible
You can choose to be paid every 28 days, at the end of the term or at periods in between.
Features
$0
Monthly fees
No monthly or account keeping fees.
3
Months
The minimum term you can select.
3
Years
The maximum term you can select.
$5,000
Minimum investment
Invest from $5,000 – $1,000,000.
Secure your future
A term deposit can be a low-risk option to invest your super where you can lock in a guaranteed return for a period.
Term deposits come with a fixed interest rate and unlike other types of investments, returns are predictable making it a steadfast option for SMSF investors.
How to apply
You can apply online, over the phone or by visiting one of our financial services stores. If you’re applying in the name of a business, call us on 1300 13 22 77. Please note that we cannot accept cheques at Community First stores or via mail.
Calculate your returns
Using our term deposit calculator, you can see what returns you can expect based on different amounts and terms.
Find out more
You can view Target Market Determinations here.
1 Rates effective 15/05/2026 and are subject to change without notice. Rates are for deposits between $5,000 and $1,000,000. Rates for amounts above $1,000,000 are negotiated at the discretion of Community First Bank. If you seek an early release of your term deposit prior to its maturity date, an early withdrawal interest penalty may apply. Interest paid cannot be compounded into the investment. Term Deposits are available to be withdrawn at maturity. We may require up to 7 days written notice of your intention to make an early withdrawal.