Earn 5.95% - 7.75% p.a. on your idle capital with Chirpy Money™
Chirpy Money is a fixed income opportunity popular with investors looking for high yield term deposit alternatives.
Current Rates
The following fixed interest rates are available to clients who choose Chirpy Money™
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 Money™ is a term-based investment opportunity for clients seeking competitive fixed rates of return. Chirpy Money™ is not a term deposit and is not covered by the Banking Act 1959 or the Financial Claims Scheme (FCS). Whilst term deposits and Chirpy Money™ 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 Money™. Read more about the risks in our Frequently Asked Questions.
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 monthly or compound interest
Step 3: 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
5.95%
per annum
Fixed interest rate
Capital stable instrument
Personal relationship manager
FREE Chirpy Plus membership
Key Features
Chirpy Money™ 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 Chirpy service.
Features
Chirpy Money™
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
All main entity types accepted
Individuals, self-managed superannuation funds and Australian companies accepted
Same-day account setup
Earn interest the day your funds clear
Chirpy Plus Membership
FREE membership to the Chirpy Plus community for non-members
Eligibility
Chirpy Money™ is available for amounts of $200k to $25 million
What People Are Saying
The following reviews are from members of our Chirpy 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
About Chirpy Money™
Chirpy Money™ is a fixed income opportunity for clients seeking competitive fixed returns and capital stability.
Chirpy Money™ is popular with investors seeking regular income, meaningful rates of return and personal service. This generally includes retirees, self-managed superannuation fund trustees, businesses and other investors who have idle capital they are seeking to work harder for them.
There are no fees associated with Chirpy Money™. We do not charge setup, management or exit fees.
These fees are more common in managed funds whereas Chirpy Financial is a private investment business and does not provide money management services.
Chirpy Money™ clients are provided with a legally enforceable contract governed by the laws of New South Wales and a legally enforceable financial instrument. This means that Chirpy Money™ is obligated to pay you principal and interest pursuant to the terms of the agreement.
In the unlikely event of default these contracts are enforceable in Australian courts and carry with them a higher rate of interest until any default is remedied.
Whilst we are diligent in protecting the interests of our clients, an investment in Chirpy Money™ carries risks which are common to investments of this type.
Risks to be mindful of include liquidity, credit, market, interest rate, inflation, political, currency, economic, sector, concentration, valuation, related party, management, counterparty, cybersecurity and general investment risk.
This list is not exhaustive and we recommend clients seek their own independent legal and financial advice before choosing Chirpy Money™.
Chirpy Financial uses the capital it sources for its own commercial benefit in exchange for paying our Chirpy Money™ clients an agreed fixed interest rate. We may use your capital for a variety of purposes including:
- lending to corporate borrowers
- direct investment
- working capital
- capital management
- other corporate overheads
Australian residents with $200,000 or more are eligible for Chirpy Money™.
Request a FREE Chirpy Information Pack
Includes:
Chirpy Money™ brochure & application form
Obligation free discussion with a Chirpy consultant
Incentives for new clients
Chirpy Plus membership information (complimentary for new clients)
"It's made a huge difference in my life, I can't recommend it enough!"
Bill
Brisbane QLD