ADIG has recently increased interest rates

Invest in an ADIG

Fixed Term Deposit

and support your church whilst

earning great rates of interest.

term deposit rates

	3 MONTH TERM	6 MONTH TERM	12 MONTH TERM
$1,000 - 4,999 $5,000 - 9,999 $10,000 - 19,999 $20,000 - 49,999 $50,000 & over	4.50% 5.25% 5.45% 5.60% 5.70%	4.60% 5.35% 5.55% 5.75% 5.85%	4.85% 5.60% 5.70% 5.90% 6.00%

	18 MONTH TERM	24 MONTH     TERM
$1,000 - 4,999 $5,000 - 9,999 $10,000 - 19,999 $20,000 - 49,999 $50,000 & over	4.85% 5.60% 5.85% 5.95% 6.05%	n/a n/a 6.00% 6.10% 6.15%

INTEREST CALCULATED ON DAILY BALANCE.

INTEREST PAID 31 JANUARY AND 31 JULY AND AT MATURITY.

NO FEES

Monthly Interest options also available by contacting ADIG.

Rates current as at August 14 2006, and subject to change prior to your deposit being made.

To open your term deposit, 

           Contact Us today                 

I was reading a newspaper article recently which discussed a State Government revision of the year 7 – 10 Commerce syllabus.

The new syllabus is to include greater emphasis on borrowing and lending, credit ratings, as well as budgeting and saving.

I thought this was interesting as increasingly we live in a society where saving is abandoned in favour of borrowing, in order to purchase things today. I don’t know the reason for this. Certainly we are bombarded with options of interest-free loans and elaborate financial arrangements by retailers when we buy things. But it does make more sense to save $100 per month and earn interest on your savings, than pay $110 per month in loan repayments. Of course the difference is in having the car or plasma TV today rather than waiting. However we also live in a world where the prices of many large items like TVs and cars fall over time.

The environment in which financial institutions operate continues to change rapidly since the deregulation of banking in the 1980s. High fees and low interest rates on everyday accounts are the norm now. But there has been a recent surge of internet-only, high interest accounts from banks and other financial institutions.

Are we moving back to a saving society?

Whatever the answer, ADIG has offered fee-free savings and deposit accounts throughout the 80s and 90s, and continues to offer you a range of accounts that earn great rates of interest and attract no fees. And these accounts can be accessed over the internet, telephone or in person at an ADIG office or agency - all without fees.

In addition, your ADIG account gives you the satisfaction of knowing that your savings or investment assists ADIG in serving the Catholic Diocese of Armidale.

So start saving today!!!!

             Adam Green, Marketing Manager ADIG

at-call account rates

Savings Investment Account - funds at-call, unlimited transactions, no fees. Interest calculated daily.

Savings Investment bal.	Interest Rate PA
$1,000 - 4,999 $5,000 - 9,999 $10,000 - 19,999 $20,000 - 49,999 $50,000 & over	2.90% 3.85% 3.95% 4.20% 4.75%

Premium Saver Account - funds at-call subject to one withdrawal per month maximum, unlimited electronic credit transactions, two counter transactions per month maximum, no fees.  Interest calculated daily.

Christmas Club Account - 3.90%pa interest is calculated daily. Make one deposit of any amount per month, and withdraw as much (or as little) as you wish between December 1 and January 31. Ask us about setting up a free direct debit from your bank account.

ALSO AVAILABLE:

Monthly Income Account - Funds at-call, interest paid monthly.

Pensioner Deeming Account - Funds at-call, interest paid at the current deeming rates.

INTEREST CALCULATED ON DAILY BALANCE. Applicable interest rate applies to whole balance.

INTEREST PAID 31 JANUARY AND 31 JULY AND AT MATURITY.

NO FEES

Rates current as at September 1 2006, and subject to change prior to your deposit being made.

Details of interest earned for the financial year ending 30th June 2006

 is available via  

To access the information, Login as normal, then hover your mouse pointer over the Personal menu at the top left of your screen. 

When the list of menu options drops you will see Interest YTD. As the computer is quite literal in its terminology,  viewing  this option now will only display the information for the current financial year (IE from 1st July 2006 onwards, or the current financial year).

If you scroll down you will see the menu option Interest Earned in the Last Financial Year (IE up to 30/6/06). This is the correct option to display the interest for the previous financial year, when accessing it now.

If you have other member numbers linked to your main member number, you will need to Login to these member numbers separately to obtain the interest amounts for these accounts. 

If you don't yet have access to ADIGonline, or have any questions just Contact Us

Cnr Rusden & Dangar Streets  ( P O Box 509 ) 

Phone 02 6772 8311 (Toll free 1800 040 903) 

Fax 02 6771 2270 (Toll free 1800 817 262) 

Email: armidale@adig.com.au 

127A Bridge Street    ( P O Box 3619 ) 

Phone 02 6765 9256 (Toll free 1800 803 194) 

Fax 02 6765 7296 (Toll free 1800 635 437) 

Email: tamworth@adig.com.au