St.George Savings Accounts Comparison

St.George Bank Savings Accounts

St.George Bank was founded in Australia in 1937 as a housing based financial institution but it wasn’t until 1992 that it achieved full banking status. Merging with Westpac Bank in 2008 to become a part of the Westpac Group, St George is now able to offer even more services, and access to more ATMs because customers can use Westpac, Bank SA and their original St George ATMs; with changes taking affect in March 2009 governing the way foreign ATMs penalise customers, it is now more important than ever to be part of one of the largest network of ATMs in Australia.

St.George High Interest Savings Account

Savings Account	Account Details	Intro Rate p.a.	Variable Rate p.a.	Intro Period p.a.	Fees	Min Balance and Min Deposit
St.George Direct Saver	5.75% p.a. for 4 months if you apply online before before 30 June 2010	5.75%	4.20%	1.55%	FREE	$0
St.George Power Saver Account	5.50% for 4 months power saver. Government guaranteed for balances under $1m	5.50%	2.65% – 3.95% p.a	1.55% – 2.85% p.a	$0	<$1m govt guaranteed

St.George Term Deposit Rates

Term Deposit	1 mth	3 mth	4 mth	6 mth	12 mth	24 mth	36 mth	48 mth	60 mth	Min and Max Deposit
St.George Term Deposit	-	-	5.10%	-	5.80% for 7mths	6.00%	6.50%	6.50%	7.25%	$5,000 – $5m

St.George Transaction Accounts

Savings Account	Account Details	Intro Rate p.a.	Variable Rate p.a.	Intro Period p.a.	Fees	Min Balance and Min Deposit
St.George Complete Freedom Account	$0 per month if deposit $2,000 per month, no minimum balance, which means you don’t have to keep your account balance at $2,000 for the whole month.	0.00%	0.00%p.a	0.00%	$0 per month*	Deposit $2,000 per month
St.George Express Freedom Account	Flat $3 per month account service fee with Free Visa Debit Card.	0.00%	0.00%p.a	0.00%	$3 per month	-

St.George Visa Debit Card Accounts

Savings Account	Account Details	Intro Rate p.a.	Variable Rate p.a.	Intro Period p.a.	Fees	Min Balance and Min Deposit
St.George Visa Debit Card Account	Available with the following accounts: Complete Freedom Account, St.George SENSE, Express Freedom Account, Complete Freedom Student Account and Retirement Access Plus Account.	0.00%	0.00%p.a	0.00%	From $3 per month	-

More reasons to choose a St.George savings account:

• St.George has not let being part of one of the Big Four Banks affect its personal service and customer care and presents Star Awards to their staff members who take special care of their customers, and go beyond good service, and into exceptional.
• St.George is also a community minded bank and supports charities and community events, even allocating a day’s paid leave to each staff member so they can complete volunteer work within their own community.
• St.George offers a range of savings and transaction accounts to specifically meet the needs of pensioners, students, concession card holders and rural banking customers.

How to Choose a St.George Savings Account

Before you open a St.George savings account, you need to decide what your savings goals are. Whether you have short or long term savings goals – or both – will determine the type of savings account you open, as your access, statements, transfer and withdrawal needs will be different.

You also need to look at your current savings habits as this will help you determine the type of savings account which will help you maximise your interest. Even if you don’t have a specialised high interest savings account, you will still be able to see whether you are disciplined in your savings, whether you can boost your savings if given an incentive, and whether you need more control or less access to help your savings grow.

Compare the St.George high interest savings accounts on this page, and match them to your saving styles here:

• Do you like to collect your coins and put away gifts of cash from birthdays and Christmas into your savings account? If you like the piggy bank approach to savings then you will need to look for a high interest savings account which offers you branch access, without a penalty. For example, the St.George SENSE accounts are an everyday account, linked to a high interest savings account for easy deposits and transfers. The Power Saver account is another dedicated high interest online savings account which offers you branch access.
• Do you need to feel rewarded and have the hard work you’ve put into your savings acknowledged? If you need some incentive to keep going in your savings goals the Incentive Saver account will reward you with a higher interest rate when you make regular deposits and no withdrawals.
• There’s an app for that. If you are technologically addicted then the St George Direct Saver is the high interest, online savings account for you. While all St.George bank accounts can be accessed via your iPhone when you download the St George app from the App Store, the Direct Saver is an entirely online account which is opened and managed online, and you can view transactions and statements via internet banking – or on your iPhone!

Save Your Large Investments with St George

If you have a substantial investment which you want to safely grow, but are unsure about investing in shares or property, St.George can offer you a range of term deposit accounts, or you can open an Investment Cash Account for high interest, flexible returns.

Features of a St.George term deposit account include:

• No monthly account keeping fees.
• Low minimum opening balance of $1,000 required.
• Interest calculated daily and paid monthly, quarterly, six monthly or at maturity.
• Receive secure and guaranteed returns on your investment.
• Know your money is locked away, safe from frivolous spending, and from any other financial market pressures.

Save Your Large Investments with St.George

• A minimum of $10,000 deposit required.
• No monthly account keeping fee if the balance remains above $10,000.
• Five free withdrawals allowed each month, including two over the counter withdrawals.
• A high variable interest rate paid on all balances over $10,000.
• Interest calculated daily and paid monthly.

St.George is a bank which is dedicated to your savings needs and financial goals, no matter what they are. Therefore, to find a savings account which is right for you, or to open an online savings account right now to get your finances on track, compare the St.George savings accounts on Savings Account Finder and follow our secure links to the simple, online applications.

St.George Direct Saver Savings Account -

St.George Term Deposit Accounts