A certificate held in one name. You alone fund it, set the term and receive the proceeds at maturity.
A single-holder certificate keeps ownership and control undivided. Every instruction — opening, renewing, withdrawing early — needs only your authorisation, which makes it faster to operate than a joint arrangement. At maturity the principal and interest return to your nominated account. On death the certificate forms part of your estate and passes under your will or applicable succession law rather than transferring automatically to anyone else.
Each term is its own section with its own minimum, its own ceiling and its own fixed rate. Longer terms pay more because the capital is committed for longer.
Shortest lock. Suited to capital you may need back within the year.
Open 3 monthsA middle term that still keeps the money within sight of a planned expense.
Open 6 monthsThe standard term. Best balance of rate against how long capital is committed.
Open 12 monthsLocks today’s rate through a full cycle if you expect rates to fall.
Open 24 monthsLongest term and highest rate, with the least flexibility in return.
Open 60 months