Auswide Bank term deposit rates
25 terms published on 10 Oct 2026, best 5.35% for 11 months, from Auswide Bank’s own Consumer Data Right feed. Registered as Auswide Bank Ltd.
Auswide Bank at a glance
Today’s rates25 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 1mo | 0.75% | joint #30 of 33 | −0.75 | −3.35 | — | same on every day read since 26 Aug 2026 | $500 | MATURITY TERM DEPOSIT |
| 2mo | 1.00% | joint #33 of 36 | −0.75 | −3.45 | — | same on every day read since 26 Aug 2026 | $500 | MATURITY TERM DEPOSIT |
| 3mo | 4.95% | joint #23 of 68 | +0.40 | −0.30 | ▲ +0.20 16 Sep | in effect since 16 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
| 4mo | 4.90% | joint #18 of 49 | +0.25 | −0.50 | ▲ +1.05 30 Sep | in effect since 30 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
| 5mo | 4.90% | joint #5 of 50 | +0.60 | −0.30 | ▲ +0.90 30 Sep | in effect since 30 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
| 6mo | 5.00% | joint #35 of 73 | median | −0.45 | ▲ +0.15 16 Sep | in effect since 16 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
| 7mo | 5.00% | joint #16 of 43 | +0.05 | −0.45 | ▲ +1.15 30 Sep | in effect since 30 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
| 8mo | 5.00% | joint #11 of 39 | +0.60 | −0.25 | ▲ +1.20 30 Sep | in effect since 30 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
| 9mo | 5.10% | joint #22 of 60 | +0.30 | −0.30 | ▲ +0.15 16 Sep | in effect since 16 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
| 10mo | 5.10% | joint #4 of 40 | +1.10 | −0.25 | ▲ +1.35 30 Sep | in effect since 30 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
| 11mo | 5.35% | joint #2 of 45 | +1.35 | −0.10 | ▲ +0.75 30 Sep | in effect since 30 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
| 1yr | 5.25% | joint #38 of 75 | median | −0.35 | ▲ +0.20 16 Sep | in effect since 16 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
| 13mo | 3.90% | #14 of 18 | −0.95 | −1.60 | — | same on every day read since 10 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
| 14mo | 3.90% | #2 of 5 | +0.35 | −1.10 | — | same on every day read since 10 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
| 17mo | 3.90% | #9 of 13 | −0.40 | −1.10 | — | same on every day read since 10 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
| 18mo | 3.90% | #18 of 25 | −0.40 | −1.60 | — | same on every day read since 26 Aug 2026 | $500 | MATURITY TERM DEPOSIT |
| 2yr | 5.15% | joint #13 of 67 | +0.45 | −0.40 | — | same on every day read since 26 Aug 2026 | $500 | MATURITY TERM DEPOSIT |
| 35mo | 5.15%market best | #1 of 15 | +0.85 | best | — | same on every day read since 10 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
| 3yr | 4.25% | joint #29 of 51 | −0.05 | −1.20 | ▲ +1.00 10 Sep | in effect since 10 Sep 2026 | $500 | 12 MONTHLY INT TERM DEP |
| 37mo | 4.25% | #2 of 4 | +0.03 | −0.75 | — | same on every day read since 10 Sep 2026 | $500 | 12 MONTHLY INT TERM DEP |
| 4yr | 3.25% | #28 of 32 | −0.75 | −2.25 | — | same on every day read since 26 Aug 2026 | $500 | MATURITY TERM DEPOSIT |
| 49mo | 3.25% | #2 of 2 | −0.88 | −1.75 | — | same on every day read since 10 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
| 59mo | 3.25% | #3 of 3 | −0.30 | −0.75 | — | same on every day read since 10 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
| 5yr | 3.25% | #27 of 31 | −0.75 | −2.25 | — | same on every day read since 26 Aug 2026 | $500 | MATURITY TERM DEPOSIT |
| 61mo | 3.25% | #2 of 2 | −0.88 | −1.75 | — | same on every day read since 10 Sep 2026 | $500 | MATURITY TERM DEPOSIT |
“Rank”, “vs median” and “vs best” compare Auswide Bank with every bank that publishes the same term today. “This rate” is the first day our daily read showed the current rate — a rate that changed between two reads is dated to the first read that showed it.
What Auswide Bank publishes about its products4 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| NATIONAL SENIORS TERM DEPOSIT | at maturity, monthly | $5,000 | $3,000,000 | 17 | product page · terms · fees · eligibility |
| MATURITY TERM DEPOSITbusiness | at maturity | $500 | $11,000,000 | 44 | product page · terms · fees · eligibility |
| 12 MONTHLY INT TERM DEPbusiness | yearly | $500 | $9,999,999 | 13 | product page · terms · fees · eligibility |
| MONTHLY INT TERM DEPbusiness | monthly | $500 | $9,999,999 | 41 | product page · terms · fees · eligibility |
NATIONAL SENIORS TERM DEPOSIT: eligibility, conditions and features
- Eligibility
- individuals: Available for personal use only; Only available through National Seniors Australia
- Conditions
- min balance 5000.00
- Features
- other — No account keeping fee; other — A guaranteed rate for a selected period between 1 - 60 months; other — If you want to withdraw your Term Deposit before it matures you'll need to give us 31 days' notice. A reduced rate of interest will apply in these circumstances. For full details refer to our Terms a…; notifications — We'll send you a written renewal notice before your deposit matures
- The bank’s description
- A term deposit distributed through National Seniors Australia
- Interest calculated
- daily
MATURITY TERM DEPOSIT: eligibility, conditions and features
- Eligibility
- individuals: Available for personal use; businesses: Available for business use
- Conditions
- min balance 5000.00
- Features
- other — No account keeping fee; other — A guaranteed rate for a selected period between 1 - 60 months; other — If you want to withdraw your Term Deposit before it matures you'll need to give us 31 days' notice. A reduced rate of interest will apply in these circumstances. For full details refer to our Terms a…; notifications — We'll send you a written renewal notice before your deposit matures.; other — For deposits of $500,000 and over, rates are by negotiation.
- The bank’s description
- A term deposit that pays interest on maturity
- Interest calculated
- daily
12 MONTHLY INT TERM DEP: eligibility, conditions and features
- Eligibility
- individuals: Available for personal use; businesses: Available for business use
- Conditions
- min balance 5000.00
- Features
- other — No account keeping fee; other — A guaranteed rate for a selected period between 1 - 60 months; other — If you want to withdraw your Term Deposit before it matures you'll need to give us 31 days' notice. A reduced rate of interest will apply in these circumstances. For full details refer to our Terms a…; notifications — We'll send you a written renewal notice before your deposit matures.; other — For deposits of $500,000 and over, rates are by negotiation.
- The bank’s description
- A term deposit that pays interest annually
- Interest calculated
- daily
MONTHLY INT TERM DEP: eligibility, conditions and features
- Eligibility
- individuals: Available for personal use; businesses: Available for business use
- Conditions
- min balance 5000.00
- Features
- other — No account keeping fee; other — A guaranteed rate for a selected period between 1 - 60 months; other — If you want to withdraw your Term Deposit before it matures you'll need to give us 31 days' notice. A reduced rate of interest will apply in these circumstances. For full details refer to our Terms a…; notifications — We'll send you a written renewal notice before your deposit matures.; other — For deposits of $500,000 and over, rates are by negotiation.
- The bank’s description
- A term deposit that pays interest monthly.
- Interest calculated
- daily
Every line is the bank’s own statement in its feed, read that day — nothing is inferred. Early-withdrawal terms appear under conditions or features when a bank states them; a retail product that is also open to businesses or SMSFs is marked.
Rate historyevery sweep day since 26 Aug 2026 · 46 days · 25 terms
3mo 4.95% today
26 Aug 202610 Oct 2026
6mo 5.00% today
26 Aug 202610 Oct 2026
1yr 5.25% today
26 Aug 202610 Oct 2026
2yr 5.15% today
26 Aug 202610 Oct 2026
3yr 4.25% today
26 Aug 202610 Oct 2026
5yr 3.25% today
26 Aug 202610 Oct 2026
All 25 terms — the other 19
1mo 0.75% today
26 Aug 202610 Oct 2026
2mo 1.00% today
26 Aug 202610 Oct 2026
4mo 4.90% today
26 Aug 202610 Oct 2026
5mo 4.90% today
26 Aug 202610 Oct 2026
7mo 5.00% today
26 Aug 202610 Oct 2026
8mo 5.00% today
26 Aug 202610 Oct 2026
9mo 5.10% today
26 Aug 202610 Oct 2026
10mo 5.10% today
26 Aug 202610 Oct 2026
11mo 5.35% today
26 Aug 202610 Oct 2026
13mo 3.90% today
26 Aug 202610 Oct 2026
14mo 3.90% today
26 Aug 202610 Oct 2026
17mo 3.90% today
26 Aug 202610 Oct 2026
18mo 3.90% today
26 Aug 202610 Oct 2026
35mo 5.15% today
26 Aug 202610 Oct 2026
37mo 4.25% today
26 Aug 202610 Oct 2026
4yr 3.25% today
26 Aug 202610 Oct 2026
49mo 3.25% today
26 Aug 202610 Oct 2026
59mo 3.25% today
26 Aug 202610 Oct 2026
61mo 3.25% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Auswide Bank published for that term on each day we read its feed. A break in the line is a day we read no rate for that term — the feed could not be read, or the bank did not publish that term that day — never a rate carried forward.
Where Auswide Bank sitsagainst the 77 banks ranked today
1yr: 37 banks ahead
- Community First Bank 5.60%
- Dnister Bank 5.55%
- Heartland Bank 5.55%
- Unity Bank 5.50%
- Alex Bank 5.50%
- Bank Australia 5.50%
- and 31 more on the leaderboard
6mo: 34 banks ahead
- Heartland Bank 5.45%
- RACQ Bank 5.45%
- Unity Bank 5.35%
- Dnister Bank 5.30%
- Bank Australia 5.30%
- Bank First 5.30%
- and 28 more on the leaderboard
Timeline11 rate changes since 26 Aug 2026 · ▲11 ▼0 · 1 event
| Date | Term | From → to | Δ |
|---|---|---|---|
| 30 Sep 2026 | RBA | RBA cash rate 4.60% — up 0.25 pointsReserve Bank decision effective 2026-09-30: cash rate target 4.60%, a rise of 0.25 percentage points. | |
| 30 Sep 2026 | 10mo | 3.75 → 5.10 | ▲ +1.35 |
| 30 Sep 2026 | 8mo | 3.80 → 5.00 | ▲ +1.20 |
| 30 Sep 2026 | 7mo | 3.85 → 5.00 | ▲ +1.15 |
| 30 Sep 2026 | 4mo | 3.85 → 4.90 | ▲ +1.05 |
| 30 Sep 2026 | 5mo | 4.00 → 4.90 | ▲ +0.90 |
| 30 Sep 2026 | 11mo | 4.60 → 5.35 | ▲ +0.75 |
| 16 Sep 2026 | 3mo | 4.75 → 4.95 | ▲ +0.20 |
| 16 Sep 2026 | 1yr | 5.05 → 5.25 | ▲ +0.20 |
| 16 Sep 2026 | 6mo | 4.85 → 5.00 | ▲ +0.15 |
| 16 Sep 2026 | 9mo | 4.95 → 5.10 | ▲ +0.15 |
| 10 Sep 2026 | 3yr | 3.25 → 4.25 | ▲ +1.00 |
Questions about these rates
What is Auswide Bank’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Auswide Bank publishes in its Consumer Data Right feed is 5.35% for 11 months (MATURITY TERM DEPOSIT). That is joint #24 of the 77 Australian banks ranked by best rate today.
What is Auswide Bank’s 12-month term deposit rate?
5.25% as read on 10 Oct 2026, exactly the market median of 5.25%, and joint #38 of the 75 banks publishing a 12-month rate. The market-best 12-month rate today is 5.60%.
What is the minimum deposit at Auswide Bank?
The lowest minimum Auswide Bank states in its feed is $500 (MATURITY TERM DEPOSIT, 1-month). Check the product disclosure statement for balance tiers.
When did Auswide Bank last change a term deposit rate?
The most recent change we read was on 30 Sep 2026: the 10-month rate moved from 3.75% to 5.10%. We have read 11 changes at Auswide Bank since 26 Aug 2026.
Are deposits with Auswide Bank guaranteed?
Auswide Bank publishes its products under the Consumer Data Right as an Australian data holder. Under the Financial Claims Scheme, administered by APRA, protected Australian-dollar deposit accounts at an Australian-incorporated authorised deposit-taking institution (ADI) are covered up to $250,000 per account holder per ADI. Several brands can share one ADI licence, in which case the cap covers them together, so confirm which licence Auswide Bank operates under before relying on the guarantee. Scheme facts checked against apra.gov.au (Financial Claims Scheme) on 15 Sep 2026 — the link is under “About Auswide Bank” below; rates are as read on 10 Oct 2026.
About Auswide Bank
- Registered as
- Auswide Bank Ltd
- Type
- ASX-listed bank
- Part of
- MyState Limited
- ASX code
- MYS
- Consumer Data Right feed
- https://api.auswidebank.com.au/openbanking
- Deposit guarantee
- Financial Claims Scheme, up to $250,000 per account holder per ADI — scheme details and covered institutions at APRA (checked 15 Sep 2026)
The rates on this page are the retail term deposit rates Auswide Bank publishes in its own Consumer Data Right product feed, read once a day. Business, SMSF and staff-only products are left out. A product the bank publishes as “tailored” (pricing may be negotiated) is included only when the bank also states it is open to individuals, and is marked as tailored. A day on which we read no rate is a gap on this page — never an estimate.
Auswide Bank has been part of MyState Limited since the merger completed on 19 February 2025; Auswide and MyState Bank continue as separate brands.
Facts about the institution reviewed 15 Sep 2026. Rates read 10 Oct 2026.
Savings accountshighinterestsavingsaccounts.org
Auswide Bank has no savings account on today’s board at highinterestsavingsaccounts.org, our sister site for at-call savings rates.
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.