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Term Deposits & NCDs

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Curve administers over $10 billion in term deposits and Negotiable Certificates of Deposit (NCD) across our 80 partner banks. We collaborate with them to source deposit rates and terms that best match your investment requirements at any given time. Our partner banks span the credit spectrum from highly rated major banks to unrated credit unions. These are all aggregated through our proprietary client facing platform <a href="/yieldhub/">YieldHub</a> and executed via our internal, market leading, Deal Hub.

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<h2>Stay ahead of the curve with Curve</h2>

Over many years, we’ve worked hard to build trusted relationships with our banking partners and clients alike.
One of the key benefits of our proactive and time-saving approach is the creation of ‘special’ deposit opportunities for our clients, generated when our banking partners approach us seeking additional funding. Our collaborative relationships mean we’re well positioned to negotiate the rates required to execute a deal.
We’ve worked closely with our banking partners to streamline the system and processes of investing to save clients time and effort on paperwork. Once you’re set up with Curve, the next step to set up with a bank becomes very simple. Where paperwork is required, we’ll complete it for you so all that’s required is your signature. We’ll always keep you informed of any regulatory and product developments that may impact your investment options.

What is a term deposit?
Term deposits are a relatively safe form of investment. They provide a return when cash is deposited with a banking institution for an agreed period of time.
These institutions are known as an Authorised Deposit-Taking Institution (ADI). Whether they are a bank, building society or credit union, all ADIs are tightly regulated by APRA – the Australian Prudential Regulation Authority.
Depositors have further protection through the Banking Act of 1959 that ensures depositors are paid out prior to other creditors. Additionally, the Financial Claims Scheme guarantees up to $250,000 of a deposit per investment entity per ADI.
Use our <a href="/resources/calculators/">calculators</a> to start optimising your deposits, or to access these investment opportunities through YieldHub, <a href="/contact/">contact us</a> to find out more about getting started.

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YieldHub is our market-leading online rates platform that brings all your investment options together in one intuitive and interactive hub. 
