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While savings account interest rates can fluctuate with market conditions, term deposits provide a fixed interest rate for a set period of time, ensuring you know exactly how much you’ll earn and for how long. First, you’ll need to decide how much you’re going to invest, with a minimum deposit of $5,000. If you’re looking for a way to grow your savings over a set period, a term deposit could be just the answer. In other words, you’re locking away your savings (typically 1 month to 5 years) and benefiting from the interest earned. Other rates and terms available and interest rates vary for different terms.disclaimer