Coastline Bank term deposit rates
4 terms published on 10 Oct 2026, best 5.25% for 12 months, from Coastline Bank’s own Consumer Data Right feed.
Today’s rates >_Interest on a deposit →Coastline Bank website →
Coastline Bank at a glance
Today’s rates4 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 3mo | 4.50% | joint #35 of 68 | −0.05 | −0.75 | — | same on every day read since 26 Aug 2026 | $50,000 | I20 Term Deposit 3 Mths |
| 6mo | 5.10% | joint #29 of 73 | +0.10 | −0.35 | ▲ +0.20 15 Sep | in effect since 15 Sep 2026 | $50,000 | I50 Gold Mbr Ftd 6 Mths |
| 1yr | 5.25% | joint #38 of 75 | median | −0.35 | — | same on every day read since 26 Aug 2026 | $50,000 | I51 Gold Mbr Ftd 12 Mths |
| 2yr | 5.00% | joint #17 of 67 | +0.30 | −0.55 | ▲ +0.50 15 Sep | in effect since 15 Sep 2026 | $50,000 | I52 Gold Mbr Ftd 24 Mths |
“Rank”, “vs median” and “vs best” compare Coastline 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 Coastline Bank publishes about its products9 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| I50 Gold Mbr Ftd 6 Mths | half-yearly (at maturity), every 14 days, monthly | $5,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| I52 Gold Mbr Ftd 24 Mths | every 24 months (at maturity), every 14 days, monthly | $5,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| I21 Term Deposit 6 Mths | half-yearly (at maturity) | $5,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| I23 Term Deposit 24 Mths | every 24 months (at maturity) | $5,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| I51 Gold Mbr Ftd 12 Mths | yearly (at maturity), every 14 days, monthly | $5,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| I20 Term Deposit 3 Mths | quarterly (at maturity) | $5,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| I22 Term Deposit 12 Mths | yearly (at maturity) | $5,000 | no upper limit | 1 | product page · terms · fees · eligibility |
| I41 Kickstart Term Deposit | quarterly (at maturity) | $500 | no upper limit | 1 | product page · terms · fees · eligibility |
| I40 Cubs Term Deposit | quarterly (at maturity) | $500 | no upper limit | 1 | product page · terms · fees · eligibility |
I50 Gold Mbr Ftd 6 Mths: eligibility, conditions and features
- Eligibility
- minimum age: 50; individuals; residency: Australia
- Conditions
- min balance 5000.00
- Features
- complementary product d…: 5% — Discount on Home Insurance.; funds available after: P1D — Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and with at least 24 hours' notice. Coastlin…
- The bank’s description
- I50 Gold Mbr Ftd 6 Mths
- Interest calculated
- daily
I52 Gold Mbr Ftd 24 Mths: eligibility, conditions and features
- Eligibility
- minimum age: 50; individuals; residency: Australia
- Conditions
- min balance 5000.00
- Features
- complementary product d…: 5% — Discount on Home Insurance; funds available after: P1D — Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and with at least 24 hours' notice. Coastlin…
- The bank’s description
- I52 Gold Mbr Ftd 24 Mths
- Interest calculated
- daily
I21 Term Deposit 6 Mths: eligibility, conditions and features
- Eligibility
- individuals; residency: Australia
- Conditions
- min balance 5000.00
- Features
- funds available after: P1D — Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and with at least 24 hours' notice. Coastlin…
- The bank’s description
- I21 Term Deposit 6 Mths
- Interest calculated
- daily
I23 Term Deposit 24 Mths: eligibility, conditions and features
- Eligibility
- individuals; residency: Australia
- Conditions
- min balance 5000.00
- Features
- funds available after: P1D — Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and with at least 24 hours' notice. Coastlin…
- The bank’s description
- I23 Term Deposit 24 Mths
- Interest calculated
- daily
I51 Gold Mbr Ftd 12 Mths: eligibility, conditions and features
- Eligibility
- minimum age: 50; individuals; residency: Australia
- Conditions
- min balance 5000.00
- Features
- complementary product d…: 5% — Discount on Home Insurance; funds available after: P1D — Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and with at least 24 hours' notice. Coastlin…
- The bank’s description
- I51 Gold Mbr Ftd 12 Mths
- Interest calculated
- daily
I20 Term Deposit 3 Mths: eligibility, conditions and features
- Eligibility
- individuals; residency: Australia
- Conditions
- min balance 5000.00
- Features
- funds available after: P1D — Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and with at least 24 hours' notice. Coastlin…
- The bank’s description
- I20 Term Deposit 3 Mths
- Interest calculated
- daily
I22 Term Deposit 12 Mths: eligibility, conditions and features
- Eligibility
- individuals; residency: Australia
- Conditions
- min balance 5000.00
- Features
- funds available after: P1D — Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and with at least 24 hours' notice. Coastlin…
- The bank’s description
- I22 Term Deposit 12 Mths
- Interest calculated
- daily
I41 Kickstart Term Deposit: eligibility, conditions and features
- Eligibility
- maximum age: 18; minimum age: 12; individuals; residency: Australia
- Conditions
- max balance 10000.00; min balance 500.00
- Features
- funds available after: P1D — Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and with at least 24 hours' notice. Coastlin…
- The bank’s description
- I41 Kickstart Term Deposit
- Interest calculated
- daily
I40 Cubs Term Deposit: eligibility, conditions and features
- Eligibility
- maximum age: 12; individuals
- Conditions
- max balance 10000.00; min balance 500.00
- Features
- funds available after: P1D — Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and with at least 24 hours' notice. Coastlin…
- The bank’s description
- I40 Cubs Term Deposit
- 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 · 4 terms
3mo 4.50% today
26 Aug 202610 Oct 2026
6mo 5.10% today
26 Aug 202610 Oct 2026
1yr 5.25% today
26 Aug 202610 Oct 2026
2yr 5.00% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Coastline 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 Coastline 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: 28 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 22 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 |
| Coastline Bank | 5.25% | 1yr | 5.10% | 5.25% | #46 |
Timeline2 rate changes since 26 Aug 2026 · ▲2 ▼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. | |
| 15 Sep 2026 | 2yr | 4.50 → 5.00 | ▲ +0.50 |
| 15 Sep 2026 | 6mo | 4.90 → 5.10 | ▲ +0.20 |
Questions about these rates
What is Coastline Bank’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Coastline Bank publishes in its Consumer Data Right feed is 5.25% for 12 months (I51 Gold Mbr Ftd 12 Mths). That is joint #46 of the 77 Australian banks ranked by best rate today.
What is Coastline 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 Coastline Bank?
The lowest minimum Coastline Bank states in its feed is $50,000 (I20 Term Deposit 3 Mths, 3-month). Check the product disclosure statement for balance tiers.
When did Coastline Bank last change a term deposit rate?
The most recent change we read was on 15 Sep 2026: the 24-month rate moved from 4.50% to 5.00%. We have read 2 changes at Coastline Bank since 26 Aug 2026.
Are deposits with Coastline Bank guaranteed?
Coastline 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 Coastline 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 Coastline Bank” below; rates are as read on 10 Oct 2026.
About Coastline Bank
- Type
- Customer-owned bank (mutual)
- Website
- www.coastline.com.au
- Consumer Data Right feed
- https://public.cdr-api.coastline.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 Coastline 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
Coastline 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.