Term deposit rates by bank
77 banks ranked by their best published rate on 10 Oct 2026. Pick a term to see one rate per bank; pick a bank for every term it publishes, its history and every change we have read.
All 77 banksby best published retail rate · 10 Oct 2026
| # | Bank | Best | Term | Rate | 6 m | 12 m | 24 m | Type |
|---|---|---|---|---|---|---|---|---|
| 1 |  Community First BankCommFCU#1 for 12-monthMarket-best rate today | 5.60% | 1yr | — | 5.10% | 5.60% | — | Customer-owned bank |
| 2 |  Dnister BankDnisterTop 5 at 12 months | 5.55% | 1yr | — | 5.30% | 5.55% | 5.00% | Customer-owned bank |
| 2 |  Heartland BankHeartlandjt #1 for 6-monthjt #1 for 9-month | 5.55% | 1yr | — | 5.45% | 5.55% | 5.25% | ASX-listed |
| 2 | Unity BankTop 5 at 12 months#1 for 24-month | 5.55% | 2yr | — | 5.35% | 5.50% | 5.55% | Customer-owned bank |
| 5 | Alex BankAlex.BankTop 5 at 12 monthsAbove the median at every term | 5.50% | 1yr | — | 5.10% | 5.50% | 5.30% | Digital |
| 5 |  Bank AustraliaTop 5 at 12 monthsAbove the median at every term | 5.50% | 1yr | — | 5.30% | 5.50% | 5.40% | Customer-owned bank |
| 5 |  Bank Firstjt #1 for 9-monthTop 5 at 12 months | 5.50% | 1yr | — | 5.30% | 5.50% | 5.00% | Customer-owned bank |
| 5 |  Judo Bank#1 for 36-month#1 for 60-month | 5.50% | 4yr | — | 4.95% | 5.45% | 5.45% | ASX-listed |
| 5 |  Qudos BankTop 5 at 12 monthsAbove the median at every term | 5.50% | 1yr | — | 5.30% | 5.50% | 5.40% | Customer-owned bank |
| 5 |  Suncorp Bank | 5.50% | 2yr | — | 4.80% | 5.40% | 5.50% | A brand of a Big 4 |
| 11 |  Great Southern Bank | 5.45% | 1yr | — | 4.55% | 5.45% | 4.35% | Customer-owned bank |
| 11 |  People First BankPeople First and Heritage Bank | 5.45% | 7mo | — | 5.00% | 5.20% | 5.25% | Customer-owned bank |
| 11 |  Police Credit UnionPolice Credit Union Ltd | 5.45% | 11mo | — | 5.00% | 5.25% | 5.00% | Customer-owned bank |
| 11 |  QBANKjt #1 for 9-month | 5.45% | 1yr | — | 5.30% | 5.45% | 4.90% | Customer-owned bank |
| 11 | RACQ Bank#1 for 3-monthjt #1 for 6-month | 5.45% | 6mo | — | 5.45% | 5.35% | 3.30% | Customer-owned bank |
| 16 |  AMP BankAMP Bank GOAbove the median at every termRaised · September 2026 | 5.40% | 1yr | — | 5.15% | 5.40% | — | ASX-listed |
| 16 |  Australian Mutual BankAustralian Mutual Bank LTD | 5.40% | 1yr | — | 5.15% | 5.40% | 4.30% | Customer-owned bank |
| 16 |  Firefighters Mutual Bank | 5.40% | 1yr | — | 5.15% | 5.40% | 4.30% | Customer-owned bank |
| 16 |  Health Professionals Bank | 5.40% | 1yr | — | 5.15% | 5.40% | 4.30% | Customer-owned bank |
| 16 | The Mutual BankMaitland Mutual Limited | 5.40% | 4mo | — | 5.20% | 5.30% | 5.20% | Customer-owned bank |
| 16 |  Teachers Mutual Bank | 5.40% | 1yr | — | 5.15% | 5.40% | 4.30% | Customer-owned bank |
| 16 |  UniBank | 5.40% | 1yr | — | 5.15% | 5.40% | 4.30% | Customer-owned bank |
| 23 |  ME BankME Bank - ME GoAbove the median at every term | 5.37% | 1yr | — | 5.25% | 5.37% | — | ASX-listed |
| 24 | Auswide BankAuswide Bank LtdRaised · September 2026 | 5.35% | 11mo | — | 5.00% | 5.25% | 5.15% | ASX-listed |
| 24 |  Defence Bank | 5.35% | 10mo | — | 4.75% | 5.20% | 5.25% | Customer-owned bank |
| 24 | INGING BANK (Australia) LtdAbove the median at every termRaised · September 2026 | 5.35% | 11mo | — | 5.20% | 5.30% | 5.25% | Foreign-owned |
| 24 |  Macquarie BankMacquarie Bank LimitedRaised · September 2026 | 5.35% | 1yr | — | 5.20% | 5.35% | 2.00% | ASX-listed |
| 24 |  MyState Bank | 5.35% | 11mo | — | 5.20% | 5.30% | 5.15% | ASX-listed |
| 24 |  Orange Credit UnionORANGE CREDIT UNION LTD | 5.35% | 1yr | — | 1.25% | 5.35% | 4.55% | Customer-owned bank |
| 24 | RabobankRaised · September 2026 | 5.35% | 5yr | — | 5.10% | 5.25% | 5.15% | Foreign-owned |
| 31 |  ANZjt big 4 leader | 5.30% | 1yr | — | 3.50% | 5.30% | 5.00% | Big 4 |
| 31 |  BOQBank of Queensland Limited | 5.30% | 1yr | — | 5.20% | 5.30% | 2.00% | ASX-listed |
| 31 |  Bankwest | 5.30% | 1yr | — | 4.40% | 5.30% | 5.00% | A brand of a Big 4 |
| 31 |  BCU Bank | 5.30% | 1yr | — | 5.20% | 5.30% | 3.45% | Customer-owned bank |
| 31 |  Beyond BankBeyond Bank AustraliaRaised · September 2026Most improved in September 2026 | 5.30% | 9mo | — | 5.00% | 5.20% | 4.60% | Customer-owned bank |
| 31 |  BOQ Specialist | 5.30% | 1yr | — | 5.15% | 5.30% | 3.50% | ASX-listed |
| 31 | CommBankjt big 4 leaderRaised · September 2026 | 5.30% | 1yr | — | 5.00% | 5.30% | 5.20% | Big 4 |
| 31 |  First Option Bank | 5.30% | 13mo | — | — | 5.15% | 4.75% | Customer-owned bank |
| 31 | Geelong Bank | 5.30% | 1yr | — | 5.20% | 5.30% | — | — |
| 31 | Greater BankRaised · September 2026 | 5.30% | 1yr | — | 5.10% | 5.30% | — | Customer-owned bank |
| 31 | NABNATIONAL AUSTRALIA BANKjt big 4 leader | 5.30% | 1yr | — | 3.50% | 5.30% | 5.00% | Big 4 |
| 31 |  P&N Bank | 5.30% | 1yr | — | 5.20% | 5.30% | — | Customer-owned bank |
| 31 |  Queensland Country Bank | 5.30% | 1yr | — | 3.80% | 5.30% | 5.00% | Customer-owned bank |
| 31 |  Southern Cross Credit Union | 5.30% | 9mo | — | 5.20% | 5.30% | 4.70% | Customer-owned bank |
| 31 | Woolworths Team Bank | 5.30% | 7mo | — | 4.00% | 4.00% | 1.95% | Customer-owned bank |
| 46 |  Bank of us | 5.25% | 7mo | — | 5.00% | 5.20% | 4.60% | Customer-owned bank |
| 46 | BNK BankBNK Bank (Goldfields Money/BCHL) | 5.25% | 7mo | — | 5.20% | 5.25% | — | ASX-listed |
| 46 |  Border Bank | 5.25% | 4mo | — | 4.85% | 5.00% | 4.60% | Customer-owned bank |
| 46 |  Coastline BankRaised · September 2026 | 5.25% | 1yr | — | 5.10% | 5.25% | 5.00% | Customer-owned bank |
| 46 |  GMCUgmcu | 5.25% | 8mo | — | 5.15% | 5.15% | 4.90% | Customer-owned bank |
| 46 |  Police Bank | 5.25% | 4mo | — | 4.85% | 5.00% | 4.60% | Customer-owned bank |
| 46 | Summerland Bank | 5.25% | 1yr | — | 4.90% | 5.25% | 4.70% | Customer-owned bank |
| 53 |  Bank of MelbourneRaised · September 2026 | 5.20% | 1yr | — | 3.40% | 5.20% | 4.50% | A brand of a Big 4 |
| 53 |  BankSARaised · September 2026 | 5.20% | 1yr | — | 3.40% | 5.20% | 4.50% | A brand of a Big 4 |
| 53 |  BankWAWbankWAW | 5.20% | 1yr | — | 5.00% | 5.20% | 3.60% | Customer-owned bank |
| 53 |  Newcastle PermanentRaised · September 2026 | 5.20% | 1yr | — | — | 5.20% | 4.25% | Customer-owned bank |
| 53 |  St.GeorgeSt.George BankRaised · September 2026 | 5.20% | 1yr | — | 3.40% | 5.20% | 4.50% | A brand of a Big 4 |
| 53 |  The Capricornian | 5.20% | 1yr | — | 4.95% | 5.20% | 5.10% | Customer-owned bank |
| 53 |  WestpacRaised · September 2026 | 5.20% | 1yr | — | 3.40% | 5.20% | — | Big 4 |
| 60 | Arab Bank AustraliaArab Bank Australia Limited | 5.15% | 6mo | — | 5.15% | 4.50% | 3.40% | Foreign-owned |
| 60 |  BankVic | 5.15% | 9mo | — | 5.10% | 5.00% | 5.00% | Customer-owned bank |
| 60 |  IMB Bank | 5.15% | 1yr | — | 5.00% | 5.15% | 4.50% | Customer-owned bank |
| 63 | Credit Union SA | 5.10% | 4mo | — | 3.00% | 5.00% | 2.90% | Customer-owned bank |
| 63 |  Horizon Bank | 5.10% | 1yr | — | 4.90% | 5.10% | 4.90% | Customer-owned bank |
| 65 |  Broken Hill Bank | 5.00% | 1yr | — | 3.30% | 5.00% | 5.00% | Customer-owned bank |
| 65 |  Cairns BankCairns bankAbove the median at every term | 5.00% | 2yr | — | — | — | 5.00% | Customer-owned bank |
| 65 |  Central West Credit UnionCentral West CUL | 5.00% | 17mo | — | 3.25% | 3.40% | 5.00% | Customer-owned bank |
| 65 |  SWSbank | 5.00% | 1yr | — | 3.50% | 5.00% | 4.80% | Customer-owned bank |
| 65 |  The Mac | 5.00% | 1yr | — | 4.80% | 5.00% | 3.70% | Customer-owned bank |
| 70 |  Bendigo Bank | 4.90% | 1yr | — | 3.00% | 4.90% | 4.50% | ASX-listed |
| 70 |  Laboratories Credit Union | 4.90% | 1yr | — | — | 4.90% | — | Customer-owned bank |
| 70 |  Northern Inland Credit UnionNorthern Inland Credit Union Limited | 4.90% | 1yr | — | 4.00% | 4.90% | 4.10% | Customer-owned bank |
| 73 |  RSL Money | 4.70% | 7mo | — | 4.00% | 3.60% | 3.55% | Customer-owned bank |
| 74 |  Central Murray Bank | 4.50% | 1yr | — | 4.25% | 4.50% | 3.75% | Customer-owned bank |
| 75 |  Australian Military Bank | 4.40% | 7mo | — | 4.00% | 3.60% | 3.55% | Customer-owned bank |
| 76 | Fire Service Credit Union | 4.35% | 3mo | — | 4.25% | 4.05% | — | Customer-owned bank |
| 77 |  Transport Mutual Credit UnionTMCU | 3.55% | 11mo | — | 3.35% | — | 3.30% | Customer-owned bank |
Not read today1 bank with a history but no rate on 10 Oct 2026
- Family First Bank — not on today’s read; last read 27 Aug 2026
The rest of the registerbrands with no comparable retail rate today, and why
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.
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.