St. George Term Deposit Rates Calculator
.stg-calculator-container {
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
max-width: 800px;
margin: 0 auto;
padding: 20px;
background-color: #f9f9f9;
border: 1px solid #e0e0e0;
border-radius: 8px;
}
.stg-header {
text-align: center;
margin-bottom: 30px;
}
.stg-header h2 {
color: #e40000; /* St. George Red */
margin: 0;
font-size: 28px;
}
.stg-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
.stg-input-group {
margin-bottom: 15px;
}
.stg-input-group label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #333;
}
.stg-input-wrapper {
position: relative;
display: flex;
align-items: center;
}
.stg-input-wrapper input, .stg-input-wrapper select {
width: 100%;
padding: 10px 12px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
}
.stg-prefix, .stg-suffix {
position: absolute;
color: #666;
font-weight: 500;
}
.stg-prefix { left: 10px; }
.stg-suffix { right: 10px; }
.stg-input-indent { padding-left: 25px !important; }
.stg-input-padding-right { padding-right: 25px !important; }
.stg-full-width {
grid-column: 1 / -1;
}
.stg-btn {
background-color: #262626;
color: white;
border: none;
padding: 15px 30px;
font-size: 18px;
border-radius: 4px;
cursor: pointer;
width: 100%;
transition: background-color 0.3s;
font-weight: bold;
}
.stg-btn:hover {
background-color: #e40000;
}
.stg-results {
margin-top: 30px;
background-color: #fff;
padding: 20px;
border-radius: 6px;
border-left: 5px solid #e40000;
box-shadow: 0 2px 5px rgba(0,0,0,0.1);
display: none;
}
.stg-result-row {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
padding-bottom: 10px;
border-bottom: 1px solid #eee;
}
.stg-result-row:last-child {
border-bottom: none;
margin-bottom: 0;
padding-bottom: 0;
}
.stg-result-label {
color: #555;
font-size: 16px;
}
.stg-result-value {
font-weight: bold;
font-size: 18px;
color: #111;
}
.stg-result-total {
font-size: 24px;
color: #e40000;
}
.stg-content-section {
margin-top: 40px;
line-height: 1.6;
color: #444;
}
.stg-content-section h3 {
color: #222;
border-bottom: 2px solid #e40000;
padding-bottom: 10px;
display: inline-block;
}
@media (max-width: 600px) {
.stg-grid {
grid-template-columns: 1fr;
}
}
Base Deposit:
–
Effective Term:
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Gross Interest Earned:
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Total Maturity Value:
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Understanding St. George Term Deposit Rates
Investing in a term deposit with St. George Bank offers a secure way to grow your savings with a fixed interest rate for a locked period. Unlike a standard savings account where rates can fluctuate, a term deposit locks in your return from day one.
How Returns Are Calculated
The calculation for your term deposit return depends primarily on three variables: the principal amount, the interest rate per annum (p.a.), and the duration of the term. It is important to note that rates are quoted annually. For example, if you invest for 6 months at 4.00% p.a., your actual return is roughly 2.00% of the principal (half a year).
Key Features
- Fixed Rates: Your interest rate does not change during the term.
- Flexible Terms: St. George typically offers terms ranging from 1 month to 5 years.
- Minimum Investment: Usually requires a minimum deposit (often $1,000 or $5,000 depending on the specific product).
At Maturity
When your term deposit matures, you receive your initial deposit plus the interest earned. You can choose to reinvest the funds (rollover), add extra funds, or withdraw the total amount to your linked transaction account. Be aware that withdrawing funds before the maturity date often incurs an interest adjustment or penalty fee.
function calculateStGeorgeReturns() {
// 1. Get input values
var depositAmount = document.getElementById('stg_deposit_amount').value;
var interestRate = document.getElementById('stg_interest_rate').value;
var termValue = document.getElementById('stg_term_value').value;
var termUnit = document.getElementById('stg_term_unit').value;
var resultBox = document.getElementById('stg_result_box');
// 2. Validate inputs
if (depositAmount === "" || isNaN(depositAmount) || parseFloat(depositAmount) <= 0) {
alert("Please enter a valid deposit amount.");
return;
}
if (interestRate === "" || isNaN(interestRate) || parseFloat(interestRate) < 0) {
alert("Please enter a valid interest rate.");
return;
}
if (termValue === "" || isNaN(termValue) || parseFloat(termValue) <= 0) {
alert("Please enter a valid term duration.");
return;
}
// 3. Parse numbers
var principal = parseFloat(depositAmount);
var ratePercent = parseFloat(interestRate);
var term = parseFloat(termValue);
// 4. Calculate time fraction in years
var timeInYears = 0;
var termDisplay = "";
if (termUnit === 'months') {
timeInYears = term / 12;
termDisplay = term + " Months";
} else if (termUnit === 'days') {
timeInYears = term / 365;
termDisplay = term + " Days";
} else {
timeInYears = term;
termDisplay = term + (term === 1 ? " Year" : " Years");
}
// 5. Calculate Interest
// Formula: Principal * (Rate/100) * Time(in years)
var interestEarned = principal * (ratePercent / 100) * timeInYears;
// 6. Calculate Total Maturity
var totalMaturity = principal + interestEarned;
// 7. Format Outputs (Currency)
var formatter = new Intl.NumberFormat('en-AU', {
style: 'currency',
currency: 'AUD',
minimumFractionDigits: 2,
maximumFractionDigits: 2
});
// 8. Update HTML
document.getElementById('res_base_deposit').innerText = formatter.format(principal);
document.getElementById('res_term_display').innerText = termDisplay;
document.getElementById('res_interest_earned').innerText = formatter.format(interestEarned);
document.getElementById('res_maturity_value').innerText = formatter.format(totalMaturity);
// 9. Show Results
resultBox.style.display = "block";
}