Fixed-Term Deposit Accounts Fixed-term Deposit Accounts are ideal for personal and business customers that don’t require instant access to their cash. Customers deposit funds for a fixed period, and the interest rate remains constant for the duration of the term. We offer a range of Fixed-Term Accounts to match our customers’ different needs. Customers can choose between regular monthly savings or lump-sum deposits. A wide range of deposit terms are available, from a minimum of 3 months to a maximum of 5 years.