megabyte - I don't think anybody can advise you here, it is really up to the level of risk you are willing to take. Things are changeing on an almost daily basis and it is very difficult to predict what might or might not happen.
I had an instant access account with INBS and closed it last week and moved to Nationwide UK Ireland, my new account was opened in a matter of days. You need to find out how much it will cost you if you decide to close your term account 5 or 6 months before its maturity date. However, if you want peace of mind and you are very worried about the risk of losing your savings then it will be worth your while to move it, €100,000 is an awful lot of savings to have within one financial institution and maybe you should diversify.