Earn up to 7.75% p.a. on your idle capital with Chirpy Financial
Current Rates
The following fixed interest rates are available to clients who choose Chirpy Financial
Term
Interest Rate (p.a.)*
6 months
5.95%
12 months
6.70%
24 months
6.90%
36 months
7.25%
60 months
7.50%
120 months
7.75%
*Current as of 15 March 2025.
Chirpy Financial offers a term-based investment opportunity for clients seeking competitive fixed rates of return. Chirpy Financial is not a term deposit and is not covered by the Banking Act 1959 or the Financial Claims Scheme (FCS). Whilst term deposits have similar features, the Financial Claims Scheme which applies to term deposits is limited to Authorised Deposit-Taking Institutions in Australia and does not apply to Chirpy Financial's fixed income opportunity.
Like most investments, clients should be mindful that principal and interest are not guaranteed. We recommend seeking independent financial and legal advice prior to becoming a Chirpy Financial client.
Calculate your income
Step 1: Enter your proposed amount ($200k minimum)
Step 2: Select your term
6
12
24
36
60
120
“We are proud to be a part of the Chirpy family.”
Mike
Sydney, NSW
We can offer you
6.70%
per annum
Fixed interest rate
No setup, performance or management fees
Personal relationship manager
Compound interest available
Individuals, SMSFs, companies & trusts accepted
Key Features
Chirpy Financial's fixed income opportunity is a popular way everyday Australians can earn more income on their capital. We give clients exclusive access to fixed term investments that offer competitive interest rates and our renowned service.
Features
Fixed interest rates
Helps with budgeting and planning
$200k minimum
Enables us to provide a high standard of service to our clients
Flexible terms
Choose a 6, 12, 24, 36, 60 or 120 month term
Monthly or compound interest
Receive interest monthly or compound to be paid at maturity
Australian residents accepted
Individuals, self-managed superannuation funds and Australian companies accepted
Same-day account setup
Earn interest the day your funds clear
Eligibility
Chirpy Financial's fixed income opportunity is available for amounts of $200k and above.
What People Are Saying
The following reviews are from members of our community including Chirpy Plus.
Chirpy is a fantastic organisation that brings so many people together that normally wouldn't be able to meet people. I have loved being a part of Chirpy for 3 years now - it's made a huge difference in my life, I can't recommend it enough!
Bill
Brisbane, QLD
To be involved with Chirpys is the best decision I have made. Would encourage anyone to join.
Edith
Adelaide, SA
I’ve been a member of Chirpys for about 4 years now, and can honestly say it has changed my life. I have made some beautiful friendships and together we’ve experienced so much.
Carmen
Central Coast, NSW
Best thing I ever did was to join the Chirpys in February this year.
Elaine
Perth, WA
I have been a member for 5 years now and love meeting up with everyone regularly, great chats, alot sharing meals, shows! Lovely to have company and enjoy meals with other like minded members, both male & female!
Elizabeth
Central Coast, NSW
Chirpys is excellent in providing an opportunity for people 50+ to socialise and cease being lonely. We encourage all Chirpys to attend any of our functions if available as we are all in a large society rather than separate independent groups. Chirpys has enriched many lives and we are happy to contribute to the camaraderie in anyway. Chirpys is needed and will be continue to be necessary. We are proud to be a part of the Chirpy family.
Mike
Sydney, NSW
Select your term (months)
6
12
24
36
60
120
Your interest rate for 12 months
6.70%
per annum
Earn competitive rates of return
Monthly interest payments
Compound interest available
Personal relationship manager