Cairns Bank term deposit rates
7 terms published on 10 Oct 2026, best 5.00% for 24 months, from Cairns Bank’s own Consumer Data Right feed. Registered as Cairns bank.
Today’s rates >_Interest on a deposit →Cairns Bank website →
Cairns Bank at a glance
Today’s rates7 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 2mo | 1.25% | #31 of 36 | −0.50 | −3.20 | — | same on every day read since 10 Sep 2026 | $1,000 | Term deposits 12mths under $500,000 |
| 5mo | 3.75% | joint #32 of 50 | −0.55 | −1.45 | — | same on every day read since 10 Sep 2026 | $1,000 | Term deposits 24mths under $500,000 |
| 23mo | 4.75% | joint #4 of 17 | +0.45 | −0.50 | — | same on every day read since 10 Sep 2026 | $1,000 | Term deposits 12mths over $500,000 mthly interest |
| 2yr | 5.00% | joint #17 of 67 | +0.30 | −0.55 | — | same on every day read since 10 Sep 2026 | $1,000 | Term deposits 1mth under $500,000 |
| 35mo | 4.50% | joint #4 of 15 | +0.20 | −0.65 | — | same on every day read since 10 Sep 2026 | $1,000 | Term deposits 12mths over $500,000 mthly interest |
| 3yr | 4.75% | joint #15 of 51 | +0.45 | −0.70 | — | same on every day read since 10 Sep 2026 | $1,000 | Term deposits 3mths under $500,000 |
| 37mo | 3.15% | #4 of 4 | −1.07 | −1.85 | — | same on every day read since 10 Sep 2026 | $1,000 | Term deposits 12mths over $500,000 mthly interest |
“Rank”, “vs median” and “vs best” compare Cairns 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 Cairns Bank publishes about its products5 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| Term deposits 1mth under $500,000 | at maturity | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| Term deposits 3mths under $500,000 | at maturity | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| Term deposits 12mths over $500,000 mthly interest | monthly | $1,000 | $1,000,000 | 6 | product page · terms |
| Term deposits 12mths under $500,000 | at maturity | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| Term deposits 24mths under $500,000 | at maturity | $1,000 | $1,000,000 | 1 | product page · terms · fees |
Term deposits 1mth under $500,000: eligibility, conditions and features
- Conditions
- min balance 1,000
- The bank’s description
- Cairns Bank term deposits pay a fixed rate of interest for a fixed term with interest paid at maturity.
- Interest calculated
- daily
Term deposits 3mths under $500,000: eligibility, conditions and features
- Conditions
- min balance 1,000
- The bank’s description
- Cairns Bank term deposits pay a fixed rate of interest for a fixed term with interest paid at maturity.
- Interest calculated
- daily
Term deposits 12mths over $500,000 mthly interest: eligibility, conditions and features
- Conditions
- min balance 1,000; max balance 1,000,000
- The bank’s description
- Cairns Bank term deposits pay a fixed rate of interest for a fixed term with interest paid monthly.
- Interest calculated
- daily
Term deposits 12mths under $500,000: eligibility, conditions and features
- Conditions
- min balance 1,000
- The bank’s description
- Cairns Bank term deposits pay a fixed rate of interest for a fixed term with interest paid at maturity.
- Interest calculated
- daily
Term deposits 24mths under $500,000: eligibility, conditions and features
- Conditions
- min balance 1,000
- The bank’s description
- Cairns Bank term deposits pay a fixed rate of interest for a fixed term with interest paid at maturity.
- 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 · 7 terms
2yr 5.00% today
26 Aug 202610 Oct 2026
3yr 4.75% today
26 Aug 202610 Oct 2026
All 7 terms — the other 5
2mo 1.25% today
26 Aug 202610 Oct 2026
5mo 3.75% today
26 Aug 202610 Oct 2026
23mo 4.75% today
26 Aug 202610 Oct 2026
35mo 4.50% today
26 Aug 202610 Oct 2026
37mo 3.15% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Cairns 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 Cairns Bank sitsagainst the 77 banks ranked today
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 |
| Cairns Bank | 5.00% | 2yr | — | — | #65 |
Timeline0 rate changes since 10 Sep 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 Cairns Bank’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Cairns Bank publishes in its Consumer Data Right feed is 5.00% for 24 months (Term deposits 1mth under $500,000). That is joint #65 of the 77 Australian banks ranked by best rate today.
What is the minimum deposit at Cairns Bank?
The lowest minimum Cairns Bank states in its feed is $1,000 (Term deposits 12mths under $500,000, 2-month). Check the product disclosure statement for balance tiers.
When did Cairns Bank last change a term deposit rate?
We have not read a change to any of Cairns Bank’s published retail term deposit rates since we first read its feed on 10 Sep 2026. Days on which we read no rate are not counted as unchanged.
Are deposits with Cairns Bank guaranteed?
Cairns 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 Cairns 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 Cairns Bank” below; rates are as read on 10 Oct 2026.
About Cairns Bank
- Registered as
- Cairns bank
- Type
- Customer-owned bank (mutual)
- Website
- cairnsbank.com.au
- Consumer Data Right feed
- https://openbanking.cairnsbank.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 Cairns 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 accountshighinterestsavingsaccounts.org
Cairns 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.