Central Murray Bank term deposit rates
10 terms published on 10 Oct 2026, best 4.50% for 12 months, from Central Murray Bank’s own Consumer Data Right feed.
Today’s rates >_Interest on a deposit →Central Murray Bank website →
Central Murray Bank at a glance
Today’s rates10 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 3mo | 3.50% | joint #53 of 68 | −1.05 | −1.75 | ▲ +0.25 10 Oct | in effect since 10 Oct 2026 | $500 | TERM DEPOSIT 3 MONTHS |
| 4mo | 3.50% | joint #40 of 49 | −1.15 | −1.90 | ▲ +0.25 10 Oct | in effect since 10 Oct 2026 | $500 | TERM DEPOSIT 4 MONTHS |
| 6mo | 4.25% | joint #54 of 73 | −0.75 | −1.20 | ▲ +0.25 10 Oct | in effect since 10 Oct 2026 | $500 | TERM DEPOSIT 6 MONTHS |
| 7mo | 1.00% | #43 of 43 | −3.95 | −4.45 | — | same on every day read since 10 Sep 2026 | $5,000 | TERM DEPOSIT 7 MONTHS |
| 9mo | 3.75% | joint #48 of 60 | −1.05 | −1.65 | ▲ +0.25 10 Oct | in effect since 10 Oct 2026 | $500 | TERM DEPOSIT 9 MONTHS |
| 10mo | 3.75% | #28 of 40 | −0.25 | −1.60 | ▲ +0.25 10 Oct | in effect since 10 Oct 2026 | $500 | TERM DEPOSIT 10 MONTH |
| 11mo | 3.75% | joint #32 of 45 | −0.25 | −1.70 | ▲ +0.25 10 Oct | in effect since 10 Oct 2026 | $500 | TERM DEPOSIT 11 MONTHS |
| 1yr | 4.50% | joint #69 of 75 | −0.75 | −1.10 | ▲ +0.25 10 Oct | in effect since 10 Oct 2026 | $500 | TERM DEPOSIT 12 MONTHS |
| 15mo | 4.25% | #2 of 8 | +0.70 | −0.75 | ▲ +0.25 10 Oct | in effect since 10 Oct 2026 | $500 | TERM DEPOSIT 15 MONTHS |
| 2yr | 3.75% | #54 of 67 | −0.95 | −1.80 | ▲ +0.25 10 Oct | in effect since 10 Oct 2026 | $500 | TERM DEPOSIT 24 MONTHS |
“Rank”, “vs median” and “vs best” compare Central Murray 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 Central Murray Bank publishes about its products26 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| TERM DEPOSIT 11 MONTHS | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| 12 MTHS MONTHLY CHQ | monthly | $5,000 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 15 MONTHS | yearly | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 3 MONTHS | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 3 MONTHS | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| 24 MTHS REG INCOME | monthly | $5,000 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 6 MONTHS | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 9 MONTHS | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 12 MONTHS | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 24 MONTHS | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 10 MONTH | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 4 MONTHS | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| 24 MTHS REG INCOME | monthly | $5,000 | $3,500,000 | 1 | product page · terms · eligibility |
| 12 MTHS MONTHLY CHQ | monthly | $5,000 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 24 MONTHS | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 15 MONTHS | yearly | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 12 MONTHS | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 11 MONTHS | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 10 MONTH | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 9 MONTHS | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 6 MONTHS | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 4 MONTHS | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 7 MONTHS | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
| TERM DEPOSIT 7 MONTHS | at maturity | $500 | $3,500,000 | 1 | product page · terms · eligibility |
TERM DEPOSIT 11 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 11 MONTHS
- Interest calculated
- daily
12 MTHS MONTHLY CHQ: eligibility, conditions and features
- Conditions
- min balance 5000.00
- The bank’s description
- 12 MTHS MONTHLY CHQ
- Interest calculated
- daily
TERM DEPOSIT 15 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 15 MONTHS
- Interest calculated
- daily
TERM DEPOSIT 3 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 3 MONTHS
- Interest calculated
- daily
TERM DEPOSIT 3 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 3 MONTHS
- Interest calculated
- daily
24 MTHS REG INCOME: eligibility, conditions and features
- Conditions
- min balance 5000.00
- The bank’s description
- 24 MTHS REG INCOME
- Interest calculated
- daily
TERM DEPOSIT 6 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 6 MONTHS
- Interest calculated
- daily
TERM DEPOSIT 9 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 9 MONTHS
- Interest calculated
- daily
TERM DEPOSIT 12 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 12 MONTHS
- Interest calculated
- daily
TERM DEPOSIT 24 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 24 MONTHS
- Interest calculated
- daily
TERM DEPOSIT 10 MONTH: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 10 MONTH
- Interest calculated
- daily
TERM DEPOSIT 4 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 4 MONTHS
- Interest calculated
- daily
24 MTHS REG INCOME: eligibility, conditions and features
- Conditions
- min balance 5000.00
- The bank’s description
- 24 MTHS REG INCOME
- Interest calculated
- daily
12 MTHS MONTHLY CHQ: eligibility, conditions and features
- Conditions
- min balance 5000.00
- The bank’s description
- 12 MTHS MONTHLY CHQ
- Interest calculated
- daily
TERM DEPOSIT 24 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 24 MONTHS
- Interest calculated
- daily
TERM DEPOSIT 15 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 15 MONTHS
- Interest calculated
- daily
TERM DEPOSIT 12 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 12 MONTHS
- Interest calculated
- daily
TERM DEPOSIT 11 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 11 MONTHS
- Interest calculated
- daily
TERM DEPOSIT 10 MONTH: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 10 MONTH
- Interest calculated
- daily
TERM DEPOSIT 9 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 9 MONTHS
- Interest calculated
- daily
TERM DEPOSIT 6 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 6 MONTHS
- Interest calculated
- daily
TERM DEPOSIT 4 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 4 MONTHS
- Interest calculated
- daily
TERM DEPOSIT 7 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 7 MONTHS
- Interest calculated
- daily
TERM DEPOSIT 7 MONTHS: eligibility, conditions and features
- Conditions
- min balance 500.00
- The bank’s description
- TERM DEPOSIT 7 MONTHS
- Interest calculated
- daily
Also published, not ranked here: FARM MANAGEMENT DEP business (product page); FARM MANAGEMENT DEP business (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.
Rate historyevery sweep day since 26 Aug 2026 · 46 days · 10 terms
3mo 3.50% today
26 Aug 202610 Oct 2026
4mo 3.50% today
26 Aug 202610 Oct 2026
6mo 4.25% today
26 Aug 202610 Oct 2026
7mo 1.00% today
26 Aug 202610 Oct 2026
1yr 4.50% today
26 Aug 202610 Oct 2026
2yr 3.75% today
26 Aug 202610 Oct 2026
All 10 terms — the other 4
9mo 3.75% today
26 Aug 202610 Oct 2026
10mo 3.75% today
26 Aug 202610 Oct 2026
11mo 3.75% today
26 Aug 202610 Oct 2026
15mo 4.25% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Central Murray 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 Central Murray Bank sitsagainst the 77 banks ranked today
1yr: 68 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 62 more on the leaderboard
6mo: 53 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 47 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 |
| Central Murray Bank | 4.50% | 1yr | 4.25% | 4.50% | #74 |
Timeline9 rate changes since 10 Sep 2026 · ▲9 ▼0 · 1 event
| Date | Term | From → to | Δ |
|---|---|---|---|
| 10 Oct 2026 | 3mo | 3.25 → 3.50 | ▲ +0.25 |
| 10 Oct 2026 | 4mo | 3.25 → 3.50 | ▲ +0.25 |
| 10 Oct 2026 | 6mo | 4.00 → 4.25 | ▲ +0.25 |
| 10 Oct 2026 | 9mo | 3.50 → 3.75 | ▲ +0.25 |
| 10 Oct 2026 | 10mo | 3.50 → 3.75 | ▲ +0.25 |
| 10 Oct 2026 | 11mo | 3.50 → 3.75 | ▲ +0.25 |
| 10 Oct 2026 | 1yr | 4.25 → 4.50 | ▲ +0.25 |
| 10 Oct 2026 | 15mo | 4.00 → 4.25 | ▲ +0.25 |
| 10 Oct 2026 | 2yr | 3.50 → 3.75 | ▲ +0.25 |
| 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 Central Murray Bank’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Central Murray Bank publishes in its Consumer Data Right feed is 4.50% for 12 months (TERM DEPOSIT 12 MONTHS). That is #74 of the 77 Australian banks ranked by best rate today.
What is Central Murray Bank’s 12-month term deposit rate?
4.50% as read on 10 Oct 2026, 0.75 points below the market median of 5.25%, and joint #69 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 Central Murray Bank?
The lowest minimum Central Murray Bank states in its feed is $500 (TERM DEPOSIT 3 MONTHS, 3-month). Check the product disclosure statement for balance tiers.
When did Central Murray Bank last change a term deposit rate?
The most recent change we read was on 10 Oct 2026: the 3-month rate moved from 3.25% to 3.50%. We have read 9 changes at Central Murray Bank since 10 Sep 2026.
Are deposits with Central Murray Bank guaranteed?
Central Murray 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 Central Murray 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 Central Murray Bank” below; rates are as read on 10 Oct 2026.
About Central Murray Bank
- Type
- Customer-owned bank (mutual)
- Website
- www.centralmurray.bank
- Consumer Data Right feed
- https://secure.centralmurray.bank/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 Central Murray 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
Central Murray 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.