Latest Term Deposit Rates Australia
Every Australian bank’s published term deposit rates, ranked. Free, independent and rebuilt daily from the banks’ own Consumer Data Right feeds. Nothing sold.
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Today’s market-best rates
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A savings account keeps the money at call, but its rate can change at any time and its best rate usually has monthly conditions. A term deposit locks one rate for its term. Every bank page here links to the same bank there.
Whole-market leaderboard77 banks ranked · 116 on the register · 14 Oct 2026
| Mkt # | Bank | Best vs median | 3mo | 4mo | 6mo | 7mo | 8mo | 9mo | 10mo | 11mo | 1yr | 13mo | 17mo | 2yr | 4yr |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 |  CommFCU12 Month Term Deposit Special★ | 5.60%1yr+0.30 | 4.95 | no 4mo rate | 5.10 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | 5.60 | no 13mo rate | no 17mo rate | no 2yr rate | no 4yr rate |
| 2 |  DnisterTerm Deposit - 12 Months★ | 5.55%1yr+0.25 | 5.10▲ | 4.50 | 5.30▲ | 4.60 | 4.65 | 4.70 | 4.75 | 4.80 | 5.55▲ | no 13mo rate | no 17mo rate | 5.00▲ | no 4yr rate |
| 2 |  HeartlandBroker Term Deposit★ | 5.55%1yr+0.25 | 4.95 | no 4mo rate | 5.45 | no 7mo rate | no 8mo rate | 5.40 | no 10mo rate | no 11mo rate | 5.55 | no 13mo rate | no 17mo rate | 5.25 | 5.25 |
| 2 | Unity BankTerm Deposit★ | 5.55%2yr+0.25 | 5.10▲ | 4.80▲ | 5.35▲ | 5.20▲ | 5.20▲ | 5.35▲ | 5.25▲ | 5.25▲ | 5.50▲ | 5.50▲ | no 17mo rate | 5.55 | 5.20▲ |
| 5 | Alex.BankTerm Deposit - Intermediary★ | 5.50%1yr+0.20 | 4.90▼ | no 4mo rate | 5.00▼ | no 7mo rate | no 8mo rate | 5.30▼ | no 10mo rate | no 11mo rate | 5.50▼ | no 13mo rate | no 17mo rate | 5.30 | 5.10 |
| 5 |  Bank AustraliaTerm Deposit 12 months★ | 5.50%1yr+0.20 | 5.10 | no 4mo rate | 5.30 | no 7mo rate | no 8mo rate | 5.30 | no 10mo rate | no 11mo rate | 5.50 | no 13mo rate | no 17mo rate | 5.40 | no 4yr rate |
| 5 |  Bank First1 Year Term Deposit★ | 5.50%1yr+0.20 | 4.95 | 5.10 | 5.30 | no 7mo rate | no 8mo rate | 5.40 | no 10mo rate | no 11mo rate | 5.50 | no 13mo rate | no 17mo rate | 5.00 | no 4yr rate |
| 5 |  First Option Bank12 MONTH FIXED TERM | 5.50%13mo+0.20 | no 3mo rate | no 4mo rate | no 6mo rate | no 7mo rate | 5.25▲ | no 9mo rate | no 10mo rate | 5.35▲ | 5.25▲ | 5.50▲ | no 17mo rate | 5.00▲ | no 4yr rate |
| 5 |  Judo BankPersonal Term Deposits★ | 5.50%4yr+0.20 | 4.90 | 4.90 | 4.95 | 4.95 | 4.95 | 5.05 | 5.05 | 5.25 | 5.45 | no 13mo rate | no 17mo rate | 5.45 | 5.50 |
| 5 |  Qudos BankTerm Deposits★ | 5.50%1yr+0.20 | 5.10 | no 4mo rate | 5.30 | no 7mo rate | no 8mo rate | 5.30 | no 10mo rate | no 11mo rate | 5.50 | no 13mo rate | no 17mo rate | 5.40 | no 4yr rate |
| 5 |  Suncorp BankTerm Deposit | 5.50%2yr+0.20 | 5.05 | 4.05 | 4.80 | 5.20 | 3.80 | 5.30 | 3.80 | 4.20 | 5.40 | no 13mo rate | no 17mo rate | 5.50 | 5.00 |
| 12 |  Great Southern BankPlatinum Plus Term Deposit 12 months | 5.45%1yr+0.15 | 5.10▲ | 4.40 | 4.55 | 5.25▲ | 3.95 | 4.65 | 3.15 | 4.65 | 5.45▲ | 2.40 | 2.40 | 4.35 | 5.10 |
| 12 |  People First and Heritage BankTerm Deposit | 5.45%7mo+0.15 | 4.00 | 4.85 | 5.00 | 5.45 | 4.50 | 5.10 | 4.50 | 4.50 | 5.20 | no 13mo rate | no 17mo rate | 5.25 | 5.25 |
| 12 |  Police Credit Union LtdADELAIDE TERM DEPOSIT | 5.45%11mo+0.15 | 4.15 | no 4mo rate | 5.00 | no 7mo rate | no 8mo rate | 5.25 | no 10mo rate | 5.45 | 5.25 | no 13mo rate | no 17mo rate | 5.00 | 4.90 |
| 12 |  QBANKTerm Deposit 12 Month★ | 5.45%1yr+0.15 | 5.00▲ | no 4mo rate | 5.30▲ | no 7mo rate | no 8mo rate | 5.40▲ | no 10mo rate | no 11mo rate | 5.45▲ | no 13mo rate | no 17mo rate | 4.90▲ | 4.25▲ |
| 12 | RACQ BankTerm Deposit★ | 5.45%6mo+0.15 | 5.25 | 3.50 | 5.45 | 3.50 | 3.50 | 3.75 | 3.50 | 3.50 | 5.35 | no 13mo rate | no 17mo rate | 3.30 | 3.30 |
| 17 |  AMP Bank GOAMP Bank GO 12 Month Term Deposit★ | 5.40%1yr+0.10 | no 3mo rate | no 4mo rate | 5.15 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | 5.40 | no 13mo rate | no 17mo rate | no 2yr rate | no 4yr rate |
| 17 |  Australian Mutual Bank LTDTerm Deposit for Edvest Members | 5.40%1yr+0.10 | 5.00▲ | 5.00▲ | 5.15▲ | 5.15▲ | 5.15▲ | 4.80▲ | 4.80▲ | 4.30▲ | 5.40▲ | 5.40▲ | 4.30▲ | 4.30▲ | no 4yr rate |
| 17 |  Firefighters Mutual BankTerm Deposit for Edvest Members | 5.40%1yr+0.10 | 5.00▲ | 5.00▲ | 5.15▲ | 5.15▲ | 5.15▲ | 4.80▲ | 4.80▲ | 4.30▲ | 5.40▲ | 5.40▲ | 4.30▲ | 4.30▲ | no 4yr rate |
| 17 |  Health Professionals BankTerm Deposit for Edvest Members | 5.40%1yr+0.10 | 5.00▲ | 5.00▲ | 5.15▲ | 5.15▲ | 5.15▲ | 4.80▲ | 4.80▲ | 4.30▲ | 5.40▲ | 5.40▲ | 4.30▲ | 4.30▲ | no 4yr rate |
| 17 | Maitland Mutual LimitedTerm Deposit | 5.40%4mo+0.10 | 4.90 | 5.40 | 5.20 | 3.95 | 4.00 | 4.00 | 4.00 | 4.00 | 5.30 | no 13mo rate | no 17mo rate | 5.20 | no 4yr rate |
| 17 |  Teachers Mutual BankTerm Deposit for Edvest Members | 5.40%1yr+0.10 | 5.00▲ | 5.00▲ | 5.15▲ | 5.15▲ | 5.15▲ | 4.80▲ | 4.80▲ | 4.30▲ | 5.40▲ | 5.40▲ | 4.30▲ | 4.30▲ | no 4yr rate |
| 17 |  UniBankTerm Deposit for Edvest Members | 5.40%1yr+0.10 | 5.00▲ | 5.00▲ | 5.15▲ | 5.15▲ | 5.15▲ | 4.80▲ | 4.80▲ | 4.30▲ | 5.40▲ | 5.40▲ | 4.30▲ | 4.30▲ | no 4yr rate |
| 24 |  ME Bank - ME GoME Go Term Deposit★ | 5.37%1yr+0.07 | 5.00 | 5.05 | 5.25 | 5.20 | no 8mo rate | 5.30 | no 10mo rate | no 11mo rate | 5.37 | no 13mo rate | no 17mo rate | no 2yr rate | no 4yr rate |
| 25 | Auswide Bank LtdMATURITY TERM DEPOSIT★ | 5.35%11mo+0.05 | 4.95 | 4.90 | 5.00 | 5.00 | 5.00 | 5.10 | 5.10 | 5.35 | 5.25 | 3.90 | 3.90 | 5.15 | 3.25 |
| 25 |  Defence BankTerm Deposit 10 month | 5.35%10mo+0.05 | 4.35 | 5.10 | 4.75 | 4.75 | 4.75 | 4.75 | 5.35 | 4.75 | 5.20 | no 13mo rate | no 17mo rate | 5.25 | no 4yr rate |
| 25 | ING BANK (Australia) LtdPersonal Term Deposits★ | 5.35%11mo+0.05 | 5.05 | 5.00 | 5.20 | 5.00 | no 8mo rate | 5.10 | no 10mo rate | 5.35 | 5.30 | no 13mo rate | no 17mo rate | 5.25 | no 4yr rate |
| 25 |  Macquarie Bank LimitedMacquarie Term Deposit★ | 5.35%1yr+0.05 | 5.05 | 5.05 | 5.20 | no 7mo rate | no 8mo rate | 5.25 | no 10mo rate | no 11mo rate | 5.35 | no 13mo rate | no 17mo rate | 2.00 | 2.00 |
| 25 |  MyState BankOnline Term Deposit | 5.35%11mo+0.05 | 5.00 | 4.90 | 5.20 | 5.00 | 5.00 | 5.25 | 5.10 | 5.35 | 5.30 | no 13mo rate | no 17mo rate | 5.15 | no 4yr rate |
| 25 |  ORANGE CREDIT UNION LTD12MTH FIXED TERM DEPOSIT WEALTH BUILDER | 5.35%1yr+0.05 | 1.00 | no 4mo rate | 1.25 | no 7mo rate | no 8mo rate | 2.05 | no 10mo rate | no 11mo rate | 5.35 | no 13mo rate | no 17mo rate | 4.55 | no 4yr rate |
| 25 | RabobankOnline Term Deposit★ | 5.35%1yr+0.05 | 5.00 | 3.90 | 5.20▲ | no 7mo rate | no 8mo rate | 5.25▲ | no 10mo rate | no 11mo rate | 5.35▲ | no 13mo rate | no 17mo rate | 5.15 | 5.25 |
| 32 |  ANZANZ Advance Notice Term Deposit★ | 5.30%1yrmedian | 3.35 | 3.40 | 3.50 | 5.00 | 3.60 | 3.75 | 3.80 | 3.85 | 5.30 | no 13mo rate | no 17mo rate | 5.00 | 4.00 |
| 32 |  Bank of Queensland LimitedmyBOQ Term Deposit | 5.30%1yrmedian | 4.95 | 5.00 | 5.20 | 5.15 | 4.10 | 5.15 | 1.75 | 1.75 | 5.30 | no 13mo rate | no 17mo rate | 2.00 | 2.00 |
| 32 |  BankwestBankwest Term Deposit | 5.30%1yrmedian | 5.00▲ | 4.40 | 4.40 | 4.40 | 4.40 | 4.40 | 4.40 | 4.40 | 5.30▲ | no 13mo rate | no 17mo rate | 5.00 | 5.00 |
| 32 |  BCU Bank12 Month Term Deposit | 5.30%1yrmedian | 4.00 | 4.55 | 5.20 | 3.85 | 3.85 | 3.85 | 3.55 | 4.00 | 5.30▲ | no 13mo rate | no 17mo rate | 3.45 | no 4yr rate |
| 32 |  Beyond Bank AustraliaINV - 9 Mth Capitalise★ | 5.30%9momedian | 4.30 | no 4mo rate | 5.00 | no 7mo rate | no 8mo rate | 5.30 | no 10mo rate | no 11mo rate | 5.20 | no 13mo rate | no 17mo rate | 4.60 | 3.65 |
| 32 |  BOQ SpecialistTerm Deposit | 5.30%1yrmedian | 5.00 | 5.05 | 5.15 | no 7mo rate | no 8mo rate | 5.15 | no 10mo rate | no 11mo rate | 5.30 | no 13mo rate | no 17mo rate | 3.50 | 3.50 |
| 32 | CommBankStandard Term Deposit★ | 5.30%1yrtmedian | 3.35t | 3.40t | 5.00t | 3.65t | 3.70t | 3.75t | 3.80t | 3.85t | 5.30t | 4.50t | no 17mo rate | 5.20t | 4.00t |
| 32 | Credit Union SATerm Deposit | 5.30%6momedian | 3.00 | 5.10 | 5.30▲ | 3.00▼ | 3.00 | 3.00 | 5.30▲ | 3.00 | 5.30▲ | no 13mo rate | no 17mo rate | 2.90 | 2.90 |
| 32 | Geelong BankTwelve Month Term Deposit | 5.30%1yrmedian | 3.60 | no 4mo rate | 5.20 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | 5.30▲ | no 13mo rate | no 17mo rate | no 2yr rate | no 4yr rate |
| 32 | Greater BankTerm Investment - Interest @ Maturity★ | 5.30%1yrmedian | 4.50 | 3.75 | 5.10 | 3.60 | 3.60 | 3.60 | 3.60 | 3.60 | 5.30 | 3.00 | no 17mo rate | no 2yr rate | no 4yr rate |
| 32 | NATIONAL AUSTRALIA BANKNAB Term Deposit★ | 5.30%1yrmedian | 3.35 | 3.35 | 3.50 | 3.60 | 3.70 | 3.80 | 3.85 | 3.85 | 5.30 | 5.00 | 5.00 | 5.00 | 3.80 |
| 32 |  P&N Bank12 Month Term Deposit | 5.30%1yrmedian | 3.85 | 4.30 | 5.20 | 4.40 | 3.70 | 3.80 | 3.60 | 3.70 | 5.30▲ | no 13mo rate | no 17mo rate | no 2yr rate | no 4yr rate |
| 32 |  Queensland Country BankFTD - Interest at Maturity | 5.30%1yrmedian | 3.60 | no 4mo rate | 3.80 | no 7mo rate | no 8mo rate | no 9mo rate | 5.00 | no 11mo rate | 5.30▲ | no 13mo rate | no 17mo rate | 5.00 | no 4yr rate |
| 32 |  Southern Cross Credit UnionTERM DEPOSIT | 5.30%9momedian | 5.00 | 4.50 | 5.20 | 5.00 | 3.80 | 5.30 | 3.80 | 5.10 | 5.30 | no 13mo rate | no 17mo rate | 4.70 | no 4yr rate |
| 32 | Woolworths Team Bank7 MONTHS | 5.30%7momedian | no 3mo rate | no 4mo rate | 4.00 | 5.30 | no 8mo rate | 3.95 | no 10mo rate | no 11mo rate | 4.00 | no 13mo rate | no 17mo rate | 1.95 | no 4yr rate |
| 47 |  Bank of usFIXED TERM INVESTMENT | 5.25%7mo−0.05 | 4.75 | 4.75 | 5.00 | 5.25 | 5.25 | 5.10 | 5.10 | 4.00 | 5.20 | no 13mo rate | 4.90 | 4.60 | no 4yr rate |
| 47 | BNK Bank (Goldfields Money/BCHL)Stow It Term Deposit Account | 5.25%7mo−0.05 | 4.95 | 5.05 | 5.20 | 5.25 | 5.25 | 5.25 | 5.25 | 5.25 | 5.25 | no 13mo rate | no 17mo rate | no 2yr rate | no 4yr rate |
| 47 |  Border BankTerm Deposit | 5.25%4mo−0.05 | 4.30 | 5.25 | 4.85 | 4.65 | no 8mo rate | 5.25 | no 10mo rate | no 11mo rate | 5.00 | no 13mo rate | no 17mo rate | 4.60 | 4.20 |
| 47 |  Coastline BankI51 Gold Mbr Ftd 12 Mths★ | 5.25%1yr−0.05 | 4.50 | no 4mo rate | 5.10 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | 5.25 | no 13mo rate | no 17mo rate | 5.00 | no 4yr rate |
| 47 |  gmcuFixed Term Deposit - 6 to 8 months | 5.25%8mo−0.05 | no 3mo rate | no 4mo rate | 5.15 | no 7mo rate | 5.25▲ | no 9mo rate | 3.70 | no 11mo rate | 5.15 | no 13mo rate | no 17mo rate | 4.90 | no 4yr rate |
| 47 |  Police BankTerm Deposit | 5.25%4mo−0.05 | 4.30 | 5.25 | 4.85 | 4.65 | no 8mo rate | 5.25 | no 10mo rate | no 11mo rate | 5.00 | no 13mo rate | no 17mo rate | 4.60 | 4.20 |
| 47 | Summerland BankFixed Term Deposit | 5.25%1yr−0.05 | 3.50 | 4.65 | 4.90 | 5.00 | 5.00 | 5.10 | 5.10 | 5.10 | 5.25 | 5.00 | no 17mo rate | 4.70 | 3.60 |
| 54 |  Bank of MelbourneTerm Deposit★ | 5.20%1yr−0.10 | 3.25 | 3.40 | 3.40 | 3.55 | 3.60▼ | 3.65 | 3.70 | 3.75 | 5.20 | 4.70 | no 17mo rate | 4.50 | 4.00 |
| 54 |  BankSATerm Deposit★ | 5.20%1yr−0.10 | 3.25 | 3.40 | 3.40 | 3.55 | 3.60▼ | 3.65 | 3.70 | 3.75 | 5.20 | 4.70 | no 17mo rate | 4.50 | 4.00 |
| 54 |  bankWAWLimited Offer 12 months | 5.20%1yr−0.10 | 4.50 | no 4mo rate | 5.00 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | 3.10 | 5.20 | no 13mo rate | 3.50 | 3.60 | no 4yr rate |
| 54 |  Newcastle PermanentTerm Deposit★ | 5.20%1yr−0.10 | no 3mo rate | no 4mo rate | no 6mo rate | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | 5.20 | no 13mo rate | no 17mo rate | 4.25 | 3.55 |
| 54 |  St.George BankTerm Deposit★ | 5.20%1yr−0.10 | 3.25 | 3.40 | 3.40 | 3.55 | 3.60▼ | 3.65 | 3.70 | 3.75 | 5.20 | 4.70 | no 17mo rate | 4.50 | 4.00 |
| 54 |  The CapricornianTerm Deposit | 5.20%1yr−0.10 | 4.30▲ | no 4mo rate | 4.95▲ | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | 5.20▲ | no 13mo rate | no 17mo rate | 5.10 | no 4yr rate |
| 54 |  WestpacTerm Deposit★ | 5.20%1yr−0.10 | 3.25 | 3.40 | 3.40 | 3.55 | 3.60 | 3.65 | 3.70 | 3.75 | 5.20 | no 13mo rate | no 17mo rate | no 2yr rate | no 4yr rate |
| 61 | Arab Bank Australia LimitedFixed Term Deposit - Personal | 5.15%6mo−0.15 | 5.00 | 3.80 | 5.15 | no 7mo rate | no 8mo rate | 4.50 | no 10mo rate | no 11mo rate | 4.50 | no 13mo rate | no 17mo rate | 3.40 | 3.30 |
| 61 |  BankVicTerm Deposit 9 Months | 5.15%9mo−0.15 | 4.50 | 4.50 | 5.10 | 4.70 | 4.70 | 5.15 | 4.75 | 4.75 | 5.00 | no 13mo rate | no 17mo rate | 5.00 | 4.70 |
| 61 |  IMB BankTerm Deposit | 5.15%1yr−0.15 | 4.90 | no 4mo rate | 5.00 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | 5.15 | no 13mo rate | no 17mo rate | 4.50 | 4.00 |
| 64 |  Horizon BankTerm Deposit | 5.10%1yr−0.20 | 4.60▲ | 4.80▲ | 4.90▲ | no 7mo rate | no 8mo rate | 5.00▲ | no 10mo rate | no 11mo rate | 5.10▲ | no 13mo rate | no 17mo rate | 4.90 | no 4yr rate |
| 65 |  Broken Hill BankFTD - 12 Months | 5.00%1yr−0.30 | 3.25 | 3.25 | 3.30 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | 5.00 | no 13mo rate | no 17mo rate | 5.00 | no 4yr rate |
| 65 |  Cairns bankTerm deposits 1mth under $500,000★ | 5.00%2yr−0.30 | no 3mo rate | no 4mo rate | no 6mo rate | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | no 1yr rate | no 13mo rate | no 17mo rate | 5.00 | no 4yr rate |
| 65 |  Central West CUL$5000+ (12m - 24m) I4 | 5.00%17mo−0.30 | no 3mo rate | no 4mo rate | 3.25 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | 3.40 | 3.40 | no 13mo rate | 5.00▲ | 5.00▲ | no 4yr rate |
| 65 |  SWSbank12 Month Term Deposit | 5.00%1yr−0.30 | 3.35 | no 4mo rate | 3.50 | no 7mo rate | no 8mo rate | 3.65 | no 10mo rate | no 11mo rate | 5.00 | no 13mo rate | no 17mo rate | 4.80 | no 4yr rate |
| 65 |  The MacMINI MAC TERM DEPOSIT | 5.00%1yr−0.30 | 3.50 | no 4mo rate | 4.80 | no 7mo rate | no 8mo rate | 4.80 | no 10mo rate | no 11mo rate | 5.00 | no 13mo rate | no 17mo rate | 3.70 | no 4yr rate |
| 70 |  Bendigo BankStandard Term Deposit | 4.90%1yr−0.40 | 2.75 | 3.60 | 3.00 | 3.15 | 4.40 | 3.20 | 3.25 | 3.30 | 4.90 | no 13mo rate | no 17mo rate | 4.50 | 3.00 |
| 70 |  Laboratories Credit UnionMonthly Interest 12 Month Term Deposit | 4.90%1yr−0.40 | no 3mo rate | no 4mo rate | no 6mo rate | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | 4.00 | 4.90 | no 13mo rate | no 17mo rate | no 2yr rate | no 4yr rate |
| 70 |  Northern Inland Credit Union Limited12 MONTHS Term Deposit with interest paid at maturity/annually | 4.90%1yr−0.40 | 3.25 | no 4mo rate | 4.00 | no 7mo rate | no 8mo rate | 4.25 | no 10mo rate | no 11mo rate | 4.90 | no 13mo rate | no 17mo rate | 4.10 | no 4yr rate |
| 73 |  RSL MoneyRSL Member Income Plus | 4.70%7mo−0.60 | 4.30 | 4.30 | 4.00 | 4.70 | 4.30 | 4.30 | 4.00 | 4.00 | 3.60 | 3.55 | 3.55 | 3.55 | no 4yr rate |
| 74 |  Central Murray BankTERM DEPOSIT 12 MONTHS | 4.50%1yr−0.80 | 3.50▲ | 3.50▲ | 4.25▲ | 1.00 | no 8mo rate | 3.75▲ | 3.75▲ | 3.75▲ | 4.50▲ | no 13mo rate | no 17mo rate | 3.75▲ | no 4yr rate |
| 75 |  Australian Military BankTeen Plus | 4.40%7mo−0.90 | 4.30 | 4.30 | 4.00 | 4.40 | 4.30 | 4.30 | 4.00 | 4.00 | 3.60 | 3.55 | 3.55 | 3.55 | no 4yr rate |
| 76 | Fire Service Credit UnionI3 FTD 3 Months | 4.35%3mo−0.95 | 4.35 | no 4mo rate | 4.25 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | 4.05 | no 13mo rate | no 17mo rate | no 2yr rate | no 4yr rate |
| 77 |  TMCU3M TO LESS THAN 6M | 3.60%6mo−1.70 | no 3mo rate | no 4mo rate | 3.60▲ | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | 3.55 | no 1yr rate | no 13mo rate | no 17mo rate | 3.55▲ | no 4yr rate |
Hover a rate for the interest it would earn on your deposit amount, or switch to Interest $ to read the whole grid in dollars. A dot means the bank publishes no rate for that term. On a narrow screen the grid scrolls sideways and the rank, bank and header stay put. Pick a single term above for minimum deposits, rate changes and an earnings column.
77 of 116 registered banks rankable · snapshot 14 Oct 2026 · 50 daily snapshots since 26 Aug 2026
Coverage gaps: 2 unreachable · 2 incomplete (excluded rather than guessed) · 8 publish no comparable retail TD · 27 publish no term deposits
The other 39 registered brands — why they are not ranked
no comparable retail term deposit 8
AMP - My AMP · Bank of China · Gateway Bank · HSBC Bank Australia Limited – Wholesale Banking · Hume Bank · Regional Australia Bank · Traditional Credit Union · Tyro Payments
publishes no term deposits 27
AFG Home Loans Alpha · ANZ Plus · Aussie Elevate · CBA - CommBiz · Coles Credit Cards · Connective Select · Easy Street · Great Southern Bank Business+ · HSBC · Kogan Money Credit Cards · Liberty Financial · MoveBank · MyCard · NRMA Home Loans · PayPal Australia · Qantas Money Basic/Offset Home Loans · Qantas Money Credit Cards · Revolut · Solo by MYOB · Thriday · Tiimely Home · Tyro Banking · UBank · Unloan · Up · Virgin Money · Wise
feed incomplete today 2
Bank of Sydney · Darling Downs Bank
feed unreachable today 2
Aussie Home Loans · DDH Graham
Brands appear here when the Consumer Data Right feed they publish had no retail fixed-rate term deposit we could rank today, or could not be read. A brand that is unreachable one day and back the next moves between the lists automatically.
Recent movesLast 30 days · 77 banks
| Date | Bank | Term | From → to | Δ |
|---|---|---|---|---|
| 14 Oct | Credit Union SA | 6mo | 3.00 → 5.30 | ▲ +2.30 |
| 14 Oct | Credit Union SA | 7mo | 5.05 → 3.00 | ▼ −2.05 |
| 14 Oct | Credit Union SA | 1yr | 5.00 → 5.30 | ▲ +0.30 |
| 14 Oct | Credit Union SA | 10mo | 5.05 → 5.30 | ▲ +0.25 |
| 14 Oct | First Option Bank | 5mo | 4.85 → 5.10 | ▲ +0.25 |
| 14 Oct | First Option Bank | 2yr | 4.75 → 5.00 | ▲ +0.25 |
| 14 Oct | First Option Bank | 13mo | 5.30 → 5.50 | ▲ +0.20 |
| 14 Oct | First Option Bank | 8mo | 5.10 → 5.25 | ▲ +0.15 |
| 14 Oct | First Option Bank | 11mo | 5.20 → 5.35 | ▲ +0.15 |
| 14 Oct | First Option Bank | 1yr | 5.15 → 5.25 | ▲ +0.10 |
| 14 Oct | Rabobank | 6mo | 5.10 → 5.20 | ▲ +0.10 |
| 14 Oct | Rabobank | 9mo | 5.15 → 5.25 | ▲ +0.10 |
| 14 Oct | Rabobank | 1yr | 5.25 → 5.35 | ▲ +0.10 |
| 13 Oct | Alex.Bank | 6mo | 5.10 → 5.00 | ▼ −0.10 |
| 12 Oct | TMCU | 6mo | 3.35 → 3.60 | ▲ +0.25 |
| 12 Oct | TMCU | 23mo | 3.30 → 3.55 | ▲ +0.25 |
| 12 Oct | TMCU | 2yr | 3.30 → 3.55 | ▲ +0.25 |
| 10 Oct | St.George Bank | 8mo | 5.20 → 3.60 | ▼ −1.60 |
| 10 Oct | Central Murray Bank | 3mo | 3.25 → 3.50 | ▲ +0.25 |
| 10 Oct | Central Murray Bank | 4mo | 3.25 → 3.50 | ▲ +0.25 |
| 10 Oct | Central Murray Bank | 6mo | 4.00 → 4.25 | ▲ +0.25 |
| 10 Oct | Central Murray Bank | 9mo | 3.50 → 3.75 | ▲ +0.25 |
| 10 Oct | Central Murray Bank | 10mo | 3.50 → 3.75 | ▲ +0.25 |
| 10 Oct | Central Murray Bank | 11mo | 3.50 → 3.75 | ▲ +0.25 |
| 10 Oct | Central Murray Bank | 1yr | 4.25 → 4.50 | ▲ +0.25 |
| 10 Oct | Central Murray Bank | 15mo | 4.00 → 4.25 | ▲ +0.25 |
| 10 Oct | Central Murray Bank | 2yr | 3.50 → 3.75 | ▲ +0.25 |
| 10 Oct | Bankwest | 3mo | 4.80 → 5.00 | ▲ +0.20 |
| 10 Oct | Bankwest | 5mo | 5.00 → 5.15 | ▲ +0.15 |
| 10 Oct | Bankwest | 1yr | 5.20 → 5.30 | ▲ +0.10 |
| 9 Oct | Bank of Melbourne | 8mo | 5.20 → 3.60 | ▼ −1.60 |
| 9 Oct | BankSA | 8mo | 5.20 → 3.60 | ▼ −1.60 |
| 9 Oct | Alex.Bank | 3mo | 5.00 → 4.90 | ▼ −0.10 |
| 9 Oct | Alex.Bank | 5yr | 5.40 → 5.30 | ▼ −0.10 |
| 9 Oct | Alex.Bank | 9mo | 5.35 → 5.30 | ▼ −0.05 |
| 9 Oct | Alex.Bank | 1yr | 5.55 → 5.50 | ▼ −0.05 |
| 8 Oct | Unity Bank | 13mo | 3.85 → 5.50 | ▲ +1.65 |
| 8 Oct | Unity Bank | 18mo | 3.85 → 5.50 | ▲ +1.65 |
| 8 Oct | Unity Bank | 7mo | 4.05 → 5.20 | ▲ +1.15 |
| 8 Oct | Unity Bank | 8mo | 4.05 → 5.20 | ▲ +1.15 |
Every change since we began, week by week and against the Reserve Bank’s decisions, is on the rate changes page; the Big 4 and customer-owned banks have pages of their own.
About the dataConsumer Data Right · read every day
Under the Consumer Data Right, every bank, credit union and building society licensed in Australia has to publish its retail products — and the rates on them — as an open, machine-readable feed that anyone may read. There is no login, no scraping and no data supplier in between: the numbers below come from each bank’s own endpoint.
Once a day we read the whole cdr.gov.au register, brand by brand, and record every retail term deposit tier we find. Today’s read covers 116 registered brands, and we have kept a daily record since 26 Aug 2026. Rate changes on this page are the difference between two of those daily reads.
- Business, SMSF and trust term deposits — this page is retail only.
- Staff-only products, rates quoted only “on application”, and products a bank publishes as tailored unless it also states they are open to individuals — those are ranked and marked “tailored”.
- Brands that publish no term deposit at all, or none for retail customers.
- Brands whose feed failed on the day. A bank we could not read is left out, never estimated or carried over.
77 of 116 registered brands publish comparable retail term deposits. How every figure is computed is in the methodology; the basics explain term deposits themselves; about this site says who makes it and why.
Frequently asked questions
What is a term deposit?
A term deposit is a savings product where you lock a set amount of money away with a bank for a fixed term — a month, a year, five years — at an interest rate agreed up front. The rate does not move for the length of the term, whatever the Reserve Bank does in the meantime.
At the end of the term (maturity) the bank returns your money with the interest owed. Interest is usually paid at maturity for shorter terms, and monthly, quarterly or annually on longer ones; a product that pays you along the way often carries a slightly lower headline rate than the same term paid at maturity.
If your bank is an Australian ADI, the Australian Government’s Financial Claims Scheme guarantees deposits up to $250,000 per person per authorised deposit-taking institution (ADI).
Read more: what a term deposit is and how the deposit guarantee works.
How does a term deposit differ from a savings account?
A savings account pays a variable rate the bank can change at any time, and you can take your money out whenever you like. Many savings accounts also attach conditions to their best rate — a minimum monthly deposit, no withdrawals, an introductory period.
A term deposit trades that flexibility for certainty. The rate is fixed and unconditional for the term, but the money is committed: getting it out early normally requires giving notice (commonly up to 31 days) and accepting a reduction in the interest you have earned.
Both sit with the same institution and, at an ADI, both are covered by the same $250,000 deposit guarantee.
Read more: term deposits vs savings accounts.
What factors should I consider when comparing term deposits?
The rate for the exact term you want, first — the market best at nine months is often not the same bank as the market best at twelve. Then the minimum deposit, since some of the sharpest rates start at $5,000 or more.
After that: when interest is paid (at maturity, or monthly/quarterly/annually), what happens at maturity — most banks roll the money into a new term automatically, sometimes at a much lower rate, unless you tell them otherwise — the notice period and interest reduction for early access, and whether the institution is an Australian ADI covered by the deposit guarantee.
Check the rate you are being offered as well. The figures here are the rates each bank publishes in its Consumer Data Right feed; a bank may pay something different on an online-only product, a particular balance tier, or a negotiated amount.
Read more: choosing a term, maturity and rollover, and the calculator for the interest on your own amount.
What are some potential benefits of term deposits?
Certainty. You know the exact return on the exact day the term ends, so a term deposit is straightforward to plan around — a tax bill, a deposit on a house, a year of school fees.
The rate is locked, so a fall in market rates during your term does not touch you. There is no market risk to the capital, and at an ADI the money is protected because the Australian Government’s Financial Claims Scheme guarantees deposits up to $250,000 per person per authorised deposit-taking institution (ADI).
They are also simple: no fees in the ordinary course, no conditions to satisfy each month, and the money is deliberately out of easy reach.
Read more: are term deposits worth it?
What should I be aware of when considering a term deposit?
Your money is committed. Early withdrawal usually needs advance notice — commonly up to 31 days — and the bank will reduce the interest paid, so a term deposit is a poor home for an emergency fund.
The rate is locked both ways: if rates rise, you are stuck with yesterday’s. Watch the maturity date too, because an automatic rollover can quietly move you onto a much lower rate. Interest is assessable income, and after tax and inflation the real return can be smaller than the headline suggests.
The $250,000 guarantee is per person per ADI, not per account or per brand — several bank brands can share one ADI licence, in which case the cap covers them together. Rates on this page are each bank’s published Consumer Data Right rates for retail customers and may differ for particular balance tiers, online-only products or interest-payment frequencies, so confirm the rate and read the product disclosure statement with the bank before you commit.
Read more: breaking a term deposit early and tax on the interest.
Please note: the savings figures on this page are estimates only and may not reflect the return you actually receive. Actual returns vary with tax, fees, the interest payment frequency and any change the bank makes to a rate before you open the account. Rates are the bank’s own published Consumer Data Right figures and may differ for particular balance tiers or online-only products. Always read the product disclosure statement, confirm the rate with the bank, and consider your own circumstances. Nothing here is financial advice or a recommendation. This site is published by Nutshell Media Pty Ltd, which is not affiliated with any bank, credit union or building society.