Beyond Bank term deposit rates
7 terms published on 10 Oct 2026, best 5.30% for 9 months, from Beyond Bank’s own Consumer Data Right feed. Registered as Beyond Bank Australia.
Today’s rates >_Interest on a deposit →Beyond Bank website →
Beyond Bank at a glance
Best rate5.30%9 months · INV - 9 Mth Capitalise
Market rankjoint #31of 77 banks by best rate · joint #5 of 60 at 9mo
6mo vs marketmedianmedian 5.00% · joint #35 of 73
1yr vs market−0.05median 5.25% · joint #44 of 75
Last 30 days▲2 ▼0rate changes since 10 Sep 2026
Today’s rates7 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 3mo | 4.30% | joint #41 of 68 | −0.25 | −0.95 | — | same on every day read since 26 Aug 2026 | $200,000 | INV - 3 Mth Capitalise |
| 6mo | 5.00% | joint #35 of 73 | median | −0.45 | ▲ +0.10 4 Sep | in effect since 4 Sep 2026 | $200,000 | INV - 6 Mth Capitalise |
| 9mo | 5.30% | joint #5 of 60 | +0.50 | −0.10 | ▲ +1.45 29 Sep | in effect since 29 Sep 2026 | $2,000 | INV - 9 Mth Capitalise |
| 1yr | 5.20% | joint #44 of 75 | −0.05 | −0.40 | ▲ +0.15 29 Sep | in effect since 29 Sep 2026 | $200,000 | INV - 12 Mth Capitalise |
| 2yr | 4.60% | joint #36 of 67 | −0.10 | −0.95 | — | same on every day read since 10 Sep 2026 | $200,000 | INV - 24 Mth Trf 12 Mthly |
| 3yr | 3.65% | #41 of 51 | −0.65 | −1.80 | — | same on every day read since 10 Sep 2026 | $50,000 | INV - 36 Mth Trf 12 Mthly |
| 4yr | 3.65% | #22 of 32 | −0.35 | −1.85 | — | same on every day read since 10 Sep 2026 | $50,000 | INV - 48-60 Mth Trf 12 Mthly |
“Rank”, “vs median” and “vs best” compare Beyond 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 Beyond Bank publishes about its products16 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| INV - 9 Mth Capitalisebusiness | every 9 months | $2,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| INV - 12 Mth Capitalisebusiness | yearly | $2,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| INV - 12 Mth Trf Mthlybusiness | monthly | $2,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| INV - 12 Mth FMD Trf 6 Mthly | half-yearly | $2,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| INV - 12 Mth FMD Trf 12 Mthly | yearly | $2,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| INV - 6 Mth Capitalisebusiness | half-yearly | $2,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| INV - 6 Mth FMD Trf 6 Mthly | half-yearly | $2,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| INV - 3 Mth Capitalisebusiness | quarterly | $2,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| INV - 3 Mth FMD Trf 3 Mthly | quarterly | $2,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| INV - 48-60 Mth Trf 12 Mthlybusiness | yearly | $2,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| INV - 24 Mth Trf Mthlybusiness | monthly | $2,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| INV - 24 Mth Trf 12 Mthlybusiness | yearly | $2,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| INV - 36 Mth Trf Mthlybusiness | monthly | $2,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| INV - 36 Mth Trf 12 Mthlybusiness | yearly | $2,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| INV - Negotiated Term | not stated | $2,000 | not stated | 1 | product page · terms · fees · eligibility |
INV - 9 Mth Capitalise: eligibility, conditions and features
- Eligibility
- businesses: Available for all customers.; individuals: Available for all customers.; Membership: You must be or become a Beyond Bank Australia member
- Conditions
- max balance 5000000.00 — Maximum investment is $5,000,000.00; min balance 2000.00 — Minimum investment from $2,000.00; opening balance 2000.00 — Minimum investment from $2,000.00
- Features
- other — Additional Bonus Rates for Life Membership customers and Community groups.; other — Securely backed by the Government Guarantee
- The bank’s description
- Term deposits are a secure way to grow your money with a guaranteed interest rate for a fixed period. You'll always know exactly what your investment is worth.
- Interest calculated
- daily
INV - 12 Mth Capitalise: eligibility, conditions and features
- Eligibility
- businesses: Available for all customers.; individuals: Available for all customers.; Membership: You must be or become a Beyond Bank Australia member
- Conditions
- max balance 5000000.00 — Maximum investment is $5,000,000.00; min balance 2000.00 — Minimum investment from $2,000.00; opening balance 2000.00 — Minimum investment from $2,000.00
- Features
- other — Additional Bonus Rates for Life Membership customers and Community groups.; other — Securely backed by the Government Guarantee
- The bank’s description
- Term deposits are a secure way to grow your money with a guaranteed interest rate for a fixed period. You'll always know exactly what your investment is worth.
- Interest calculated
- daily
INV - 12 Mth Trf Mthly: eligibility, conditions and features
- Eligibility
- businesses: Available for all customers.; individuals: Available for all customers.; Membership: You must be or become a Beyond Bank Australia member
- Conditions
- max balance 5000000.00 — Maximum investment is $5,000,000.00; min balance 2000.00 — Minimum investment from $2,000.00; opening balance 2000.00 — Minimum investment from $2,000.00
- Features
- other — Additional Bonus Rates for Life Membership customers and Community groups.; other — Securely backed by the Government Guarantee
- The bank’s description
- Term deposits are a secure way to grow your money with a guaranteed interest rate for a fixed period with interest paid monthly.
- Interest calculated
- daily
INV - 12 Mth FMD Trf 6 Mthly: eligibility, conditions and features
- Eligibility
- Eligibility: available to anyone who is a primary producer when the deposit is made. Other conditions apply.; Membership: You must be or become a Beyond Bank Australia member.; Taxation benefits may be available to Primary Producers as part of the Farm Management Deposit scheme and subject to qualifying criteria and terms and conditions.; Securely backed by the Government Guarantee.
- Conditions
- max balance 800000.00 — Total balance of all FMD accounts held by the same person must not exceed $800,000.00 at any time.; min balance 2000.00 — Minimum initial investment from $2,000.00 Any further deposit or withdrawal must be at least $1,000.00; opening balance 2000.00 — Minimum initial investment from $2,000.00
- The bank’s description
- Farm Management Deposit Accounts are fixed term accounts that allows primary producers to set aside pre-tax income in profitable years to establish cash reserves to help meet costs in low-income years when they need it most.
- Interest calculated
- daily
INV - 12 Mth FMD Trf 12 Mthly: eligibility, conditions and features
- Eligibility
- Eligibility: available to anyone who is a primary producer when the deposit is made. Other conditions apply.; Membership: You must be or become a Beyond Bank Australia member.; Taxation benefits may be available to Primary Producers as part of the Farm Management Deposit scheme and subject to qualifying criteria and terms and conditions.; Securely backed by the Government Guarantee.
- Conditions
- max balance 800000.00 — Total balance of all FMD accounts held by the same person must not exceed $800,000 at any time.; min balance 2000.00 — Minimum initial investment from $2,000.00 Any further deposit or withdrawal must be at least $1,000.00; opening balance 2000.00 — Minimum initial investment from $2,000.00
- The bank’s description
- Farm Management Deposit Accounts are fixed term accounts that allows primary producers to set aside pre-tax income in profitable years to establish cash reserves to help meet costs in low-income years when they need it most.
- Interest calculated
- daily
INV - 6 Mth Capitalise: eligibility, conditions and features
- Eligibility
- businesses: Available for all customers.; individuals: Available for all customers.; Membership: You must be or become a Beyond Bank Australia member
- Conditions
- max balance 5000000.00 — Maximum investment is $5,000,000.00; min balance 2000.00 — Minimum investment from $2,000.00; opening balance 2000.00 — Minimum investment from $2,000.00
- Features
- other — Additional Bonus Rates for Life Membership customers and Community groups.; other — Securely backed by the Government Guarantee
- The bank’s description
- Term deposits are a secure way to grow your money with a guaranteed interest rate for a fixed period. You'll always know exactly what your investment is worth.
- Interest calculated
- daily
INV - 6 Mth FMD Trf 6 Mthly: eligibility, conditions and features
- Eligibility
- Eligibility: available to anyone who is a primary producer when the deposit is made. Other conditions apply.; Membership: You must be or become a Beyond Bank Australia member.; Taxation benefits may be available to Primary Producers as part of the Farm Management Deposit scheme and subject to qualifying criteria and terms and conditions.; Securely backed by the Government Guarantee.
- Conditions
- max balance 800000.00 — Total balance of all FMD accounts held by the same person must not exceed $800,000.00 at any time.; min balance 2000.00 — Minimum initial investment from $2,000.00 Any further deposit or withdrawal must be at least $1,000.00; opening balance 2000.00 — Minimum initial investment from $2,000.00
- The bank’s description
- Farm Management Deposit Accounts are fixed term accounts that allows primary producers to set aside pre-tax income in profitable years to establish cash reserves to help meet costs in low-income years when they need it most.
- Interest calculated
- daily
INV - 3 Mth Capitalise: eligibility, conditions and features
- Eligibility
- businesses: Available for all customers.; individuals: Available for all customers.; Membership: You must be or become a Beyond Bank Australia member
- Conditions
- max balance 5000000.00 — Maximum investment is $5,000,000.00; min balance 2000.00 — Minimum investment from $2,000.00; opening balance 2000.00 — Minimum investment from $2,000.00
- Features
- other — Additional Bonus Rates for Life Membership customers and Community groups.; other — Securely backed by the Government Guarantee
- The bank’s description
- Term deposits are a secure way to grow your money with a guaranteed interest rate for a fixed period. You'll always know exactly what your investment is worth.
- Interest calculated
- daily
INV - 3 Mth FMD Trf 3 Mthly: eligibility, conditions and features
- Eligibility
- Eligibility: available to anyone who is a primary producer when the deposit is made. Other conditions apply.; Membership: You must be or become a Beyond Bank Australia member.; Taxation benefits may be available to Primary Producers as part of the Farm Management Deposit scheme and subject to qualifying criteria and terms and conditions.; Securely backed by the Government Guarantee.
- Conditions
- max balance 800000.00 — Total balance of all FMD accounts held by the same person must not exceed $800,000.00 at any time.; min balance 2000.00 — Minimum initial investment from $2,000.00 Any further deposit or withdrawal must be at least $1,000.00; opening balance 2000.00 — Minimum initial investment from $2,000.00
- The bank’s description
- Farm Management Deposit Accounts are fixed term accounts that allows primary producers to set aside pre-tax income in profitable years to establish cash reserves to help meet costs in low-income years when they need it most.
- Interest calculated
- daily
INV - 48-60 Mth Trf 12 Mthly: eligibility, conditions and features
- Eligibility
- businesses: Available for all customers.; individuals: Available for all customers.; Membership: You must be or become a Beyond Bank Australia member
- Conditions
- max balance 5000000.00 — Maximum investment is $5,000,000.00; min balance 2000.00 — Minimum investment from $2,000.00; opening balance 2000.00 — Minimum investment from $2,000.00
- Features
- other — Choice of fixed term - 48 or 60 months. Additional Bonus Rate may apply for Life Membership customers and Community groups.; other — Securely backed by the Government Guarantee
- The bank’s description
- Term deposits are a secure way to grow your money with a guaranteed interest rate for a fixed period. You'll always know exactly what your investment is worth.
- Interest calculated
- daily
INV - 24 Mth Trf Mthly: eligibility, conditions and features
- Eligibility
- businesses: Available for all customers.; individuals: Available for all customers.; Membership: You must be or become a Beyond Bank Australia member
- Conditions
- max balance 5000000.00 — Maximum investment is $5,000,000.00; min balance 2000.00 — Minimum investment from $2,000.00; opening balance 2000.00 — Minimum investment from $2,000.00
- Features
- other — Life Membership: Additional Bonus Rates for Life Membership customers.; other — Securely backed by the Government Guarantee
- The bank’s description
- Term deposits are a secure way to grow your money with a guaranteed interest rate for a fixed period with interest paid monthly.
- Interest calculated
- daily
INV - 24 Mth Trf 12 Mthly: eligibility, conditions and features
- Eligibility
- businesses: Available for all customers; individuals: Available for all customers; Membership: You must be or become a Beyond Bank Australia member
- Conditions
- max balance 5000000.00 — Maximum investment is $5,000,000.00; min balance 2000.00 — Minimum investment from $2,000.00; opening balance 2000.00 — Minimum investment from $2,000.00
- Features
- other — Additional Bonus Rates for Life Membership customers and Community groups.; other — Securely backed by the Government Guarantee
- The bank’s description
- Term deposits are a secure way to grow your money with a guaranteed interest rate for a fixed period. You'll always know exactly what your investment is worth.
- Interest calculated
- daily
INV - 36 Mth Trf Mthly: eligibility, conditions and features
- Eligibility
- businesses: Available for all customers.; individuals: Available for all customers.; Membership: You must be or become a Beyond Bank Australia member
- Conditions
- max balance 5000000.00 — Maximum investment is $5,000,000; min balance 2000.00 — Minimum investment from $2,000.00; opening balance 2000.00 — Minimum investment from $2,000.00
- Features
- other — Life Membership: Additional Bonus Rates for Life Membership customers.; other — Securely backed by the Government Guarantee
- The bank’s description
- Term deposits are a secure way to grow your money with a guaranteed interest rate for a fixed period with interest paid monthly.
- Interest calculated
- daily
INV - 36 Mth Trf 12 Mthly: eligibility, conditions and features
- Eligibility
- businesses: Available for all customers.; individuals: Available for all customers.; Membership: You must be or become a Beyond Bank Australia member
- Conditions
- max balance 5000000.00 — Maximum investment is $5,000,000.00; min balance 2000.00 — Minimum investment from $2,000.00; opening balance 2000.00 — Minimum investment from $2,000.00
- Features
- other — Additional Bonus Rates for Life Membership customers and Community groups.; other — Securely backed by the Government Guarantee
- The bank’s description
- Term deposits are a secure way to grow your money with a guaranteed interest rate for a fixed period. You'll always know exactly what your investment is worth.
- Interest calculated
- daily
INV - Negotiated Term: eligibility, conditions and features
- Eligibility
- individuals; You must be or become a Beyond Bank Australia member.
- Conditions
- max balance 5000000.00 — Maximum investment $5,000,000.00; min balance 2000.00 — Minimum investment from $2,000.00; opening balance 2000.00 — Minimum investment from $2,000.00
- The bank’s description
- This term deposit gives customers the ability to negotiate the interest rate for a fixed period which is agreed upon during the establishment of the deposit.
Also published, not ranked here: Business 10 Mth Special Offer smsfbusiness (product page).
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 · 7 terms
3mo 4.30% today
26 Aug 202610 Oct 2026
6mo 5.00% today
26 Aug 202610 Oct 2026
9mo 5.30% 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 3.65% today
26 Aug 202610 Oct 2026
All 7 terms — the other 1
4yr 3.65% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Beyond 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 Beyond Bank 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 |
| Beyond Bank | 5.30% | 9mo | 5.00% | 5.20% | #31 |
Timeline3 rate changes since 26 Aug 2026 · ▲3 ▼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. | |
| 29 Sep 2026 | 9mo | 3.85 → 5.30 | ▲ +1.45 |
| 29 Sep 2026 | 1yr | 5.05 → 5.20 | ▲ +0.15 |
| 4 Sep 2026 | 6mo | 4.90 → 5.00 | ▲ +0.10 |
Questions about these rates
What is Beyond Bank’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Beyond Bank publishes in its Consumer Data Right feed is 5.30% for 9 months (INV - 9 Mth Capitalise). That is joint #31 of the 77 Australian banks ranked by best rate today.
What is Beyond Bank’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 Beyond Bank?
The lowest minimum Beyond Bank states in its feed is $2,000 (INV - 9 Mth Capitalise, 9-month). Check the product disclosure statement for balance tiers.
When did Beyond Bank last change a term deposit rate?
The most recent change we read was on 29 Sep 2026: the 9-month rate moved from 3.85% to 5.30%. We have read 3 changes at Beyond Bank since 26 Aug 2026.
Are deposits with Beyond Bank guaranteed?
Beyond 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 Beyond 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 Beyond Bank” below; rates are as read on 10 Oct 2026.
About Beyond Bank
- Registered as
- Beyond Bank Australia
- Also known as
- Beyond Bank Australia
- Type
- Customer-owned bank (mutual)
- Website
- www.beyondbank.com.au
- Consumer Data Right feed
- https://public.cdr.api.beyondbank.com.au
- 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 Beyond 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.
Facts about the institution reviewed 15 Sep 2026. Rates read 10 Oct 2026.
Savings accounts at Beyond Bankhighinterestsavingsaccounts.org
Best savings account max rate4.65%Purple Bonus Saver · 3 steps · read 10 Oct 2026
Every account, the steps and the base rateBeyond Bank savings accounts →
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. Both figures come from the bank’s own feed.
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.