Bank of us term deposit rates
18 terms published on 10 Oct 2026, best 5.25% for 7 months, from Bank of us’s own Consumer Data Right feed.
Bank of us at a glance
Today’s rates18 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 1mo | 2.00% | joint #13 of 33 | +0.50 | −2.10 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 2mo | 2.00% | joint #13 of 36 | +0.25 | −2.45 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 3mo | 4.75% | #33 of 68 | +0.20 | −0.50 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 4mo | 4.75% | #24 of 49 | +0.10 | −0.65 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 5mo | 4.80% | joint #10 of 50 | +0.50 | −0.40 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 6mo | 5.00% | joint #35 of 73 | median | −0.45 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 7mo | 5.25% | joint #3 of 43 | +0.30 | −0.20 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 8mo | 5.25%market best | joint #1 of 39 | +0.85 | best | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 9mo | 5.10% | joint #22 of 60 | +0.30 | −0.30 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 10mo | 5.10% | joint #4 of 40 | +1.10 | −0.25 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 11mo | 4.00% | joint #23 of 45 | median | −1.45 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 1yr | 5.20% | joint #44 of 75 | −0.05 | −0.40 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 17mo | 4.90% | #3 of 13 | +0.60 | −0.10 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 18mo | 4.90% | joint #10 of 25 | +0.60 | −0.60 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 23mo | 4.50% | #6 of 17 | +0.20 | −0.75 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 2yr | 4.60% | joint #36 of 67 | −0.10 | −0.95 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 3yr | 4.20% | joint #32 of 51 | −0.10 | −1.25 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
| 37mo | 4.20% | #3 of 4 | −0.02 | −0.80 | — | same on every day read since 26 Aug 2026 | $5,000 | FIXED TERM INVESTMENT |
“Rank”, “vs median” and “vs best” compare Bank of us 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 Bank of us publishes about its products1 term deposit product · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| FIXED TERM INVESTMENT | at maturity, half-yearly, yearly, monthly | $200 | $500,000 | 30 | product page · terms · fees · eligibility |
FIXED TERM INVESTMENT: eligibility, conditions and features
- Conditions
- opening balance 5000.00; min balance 5000.00
- Features
- digital banking — Check on your Term Investment through internet banking.
- The bank’s description
- If you have $5,000 or more to invest, we have a choice of terms ranging from 1 - 36 months for you to lock your money away for, with the certainty of a great fixed interest rate. At the end of the ter
- 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.
Rate historyevery sweep day since 26 Aug 2026 · 46 days · 18 terms
3mo 4.75% today
26 Aug 202610 Oct 2026
4mo 4.75% today
26 Aug 202610 Oct 2026
6mo 5.00% today
26 Aug 202610 Oct 2026
1yr 5.20% today
26 Aug 202610 Oct 2026
2yr 4.60% today
26 Aug 202610 Oct 2026
3yr 4.20% today
26 Aug 202610 Oct 2026
All 18 terms — the other 12
1mo 2.00% today
26 Aug 202610 Oct 2026
2mo 2.00% today
26 Aug 202610 Oct 2026
5mo 4.80% today
26 Aug 202610 Oct 2026
7mo 5.25% today
26 Aug 202610 Oct 2026
8mo 5.25% 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 4.00% today
26 Aug 202610 Oct 2026
17mo 4.90% today
26 Aug 202610 Oct 2026
18mo 4.90% today
26 Aug 202610 Oct 2026
23mo 4.50% today
26 Aug 202610 Oct 2026
37mo 4.20% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Bank of us 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 Bank of us sitsagainst the 77 banks ranked today
1yr: 43 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 37 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
Customer-owned banks52 banks · top 10 by best rate
| Bank | Best | Term | 6 m | 12 m | Market rank |
|---|---|---|---|---|---|
 Community First Bank | 5.60% | 1yr | 5.10% | 5.60% | #1 |
 Dnister Bank | 5.55% | 1yr | 5.30% | 5.55% | #2 |
| Unity Bank | 5.55% | 2yr | 5.35% | 5.50% | #2 |
 Bank Australia | 5.50% | 1yr | 5.30% | 5.50% | #5 |
 Bank First | 5.50% | 1yr | 5.30% | 5.50% | #5 |
 Qudos Bank | 5.50% | 1yr | 5.30% | 5.50% | #5 |
 Great Southern Bank | 5.45% | 1yr | 4.55% | 5.45% | #11 |
 People First Bank | 5.45% | 7mo | 5.00% | 5.20% | #11 |
 Police Credit Union | 5.45% | 11mo | 5.00% | 5.25% | #11 |
 QBANK | 5.45% | 1yr | 5.30% | 5.45% | #11 |
| Bank of us | 5.25% | 7mo | 5.00% | 5.20% | #46 |
Timeline0 rate changes since 26 Aug 2026 · ▲0 ▼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. | |
Questions about these rates
What is Bank of us’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Bank of us publishes in its Consumer Data Right feed is 5.25% for 7 months (FIXED TERM INVESTMENT). That is joint #46 of the 77 Australian banks ranked by best rate today.
What is Bank of us’s 12-month term deposit rate?
5.20% as read on 10 Oct 2026, 0.05 points below the market median of 5.25%, and joint #44 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 Bank of us?
The lowest minimum Bank of us states in its feed is $5,000 (FIXED TERM INVESTMENT, 1-month). Check the product disclosure statement for balance tiers.
When did Bank of us last change a term deposit rate?
We have not read a change to any of Bank of us’s published retail term deposit rates since we first read its feed on 26 Aug 2026. Days on which we read no rate are not counted as unchanged.
Are deposits with Bank of us guaranteed?
Bank of us 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 Bank of us 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 Bank of us” below; rates are as read on 10 Oct 2026.
About Bank of us
- Type
- Customer-owned bank (mutual)
- Website
- bankofus.com.au
- Consumer Data Right feed
- https://api.bankofus.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 Bank of us 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.
Facts about the institution reviewed 15 Sep 2026. Rates read 10 Oct 2026.
Savings accountshighinterestsavingsaccounts.org
Bank of us 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.