Dnister Bank term deposit rates
14 terms published on 10 Oct 2026, best 5.55% for 12 months, from Dnister Bank’s own Consumer Data Right feed. Registered as Dnister.
Today’s rates >_Interest on a deposit →Dnister Bank website →
Dnister Bank at a glance
Today’s rates14 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 1mo | 1.65% | #16 of 33 | +0.15 | −2.45 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit - 1 Month |
| 2mo | 1.90% | #17 of 36 | +0.15 | −2.55 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit - 2 Months |
| 3mo | 5.10% | joint #2 of 68 | +0.55 | −0.15 | ▲ +0.30 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit - 3 Months |
| 4mo | 4.50% | joint #27 of 49 | −0.15 | −0.90 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit - 4 Months |
| 5mo | 4.50% | #16 of 50 | +0.20 | −0.70 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit - 5 Months |
| 6mo | 5.30% | joint #4 of 73 | +0.30 | −0.15 | ▲ +0.30 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit - 6 Months |
| 7mo | 4.60% | #28 of 43 | −0.35 | −0.85 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit - 7 Months |
| 8mo | 4.65% | #17 of 39 | +0.25 | −0.60 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit - 8 Months |
| 9mo | 4.70% | #36 of 60 | −0.10 | −0.70 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit - 9 Months |
| 10mo | 4.75% | joint #16 of 40 | +0.75 | −0.60 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit - 10 Months |
| 11mo | 4.80% | #11 of 45 | +0.80 | −0.65 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit - 11 Months |
| 1yr | 5.55% | joint #2 of 75 | +0.30 | −0.05 | ▲ +0.30 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit - 12 Months |
| 18mo | 5.20% | joint #2 of 25 | +0.90 | −0.30 | ▲ +0.50 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit - 18 Months |
| 2yr | 5.00% | joint #17 of 67 | +0.30 | −0.55 | ▲ +0.30 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit - 24 Months |
“Rank”, “vs median” and “vs best” compare Dnister 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 Dnister Bank publishes about its products14 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| Term Deposit - 1 Month | monthly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| Term Deposit - 10 Months | every 10 months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| Term Deposit - 11 Months | every 11 months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| Term Deposit - 12 Months | yearly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| Term Deposit - 18 Months | every 18 months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| Term Deposit - 24 Months | every 24 months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| Term Deposit - 2 Months | every two months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| Term Deposit - 3 Months | quarterly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| Term Deposit - 4 Months | every 4 months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| Term Deposit - 5 Months | every 5 months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| Term Deposit - 6 Months | half-yearly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| Term Deposit - 7 Months | every 7 months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| Term Deposit - 8 Months | every 8 months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| Term Deposit - 9 Months | every 9 months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
Term Deposit - 1 Month: eligibility, conditions and features
- Conditions
- min balance 1000.00
- Features
- digital banking — Online renewal options avaliable on the same term.; notifications: Maturity Letters — Letters are issued 2 weeks prior to maturity date with available options.; other — Term Deposit Certificates are issued at opening of account.
- The bank’s description
- Make the most of your savings and invest with our 1 month Term Deposit.
- Interest calculated
- daily
Term Deposit - 10 Months: eligibility, conditions and features
- Conditions
- min balance 1000.00
- Features
- digital banking — Online renewal options avaliable on the same term.; notifications: Maturity Letters — Letters are issued 2 weeks prior to maturity date with available options.; other — Term Deposit Certificates are issued at opening of account.
- The bank’s description
- Make the most of your savings and invest with our 10 month Term Deposit.
- Interest calculated
- daily
Term Deposit - 11 Months: eligibility, conditions and features
- Conditions
- min balance 1000.00
- Features
- digital banking — Online renewal options avaliable on the same term.; notifications: Maturity Letters — Letters are issued 2 weeks prior to maturity date with available options.; other — Term Deposit Certificates are issued at opening of account.
- The bank’s description
- Make the most of your savings and invest with our 11 month Term Deposit.
- Interest calculated
- daily
Term Deposit - 12 Months: eligibility, conditions and features
- Conditions
- min balance 1000.00
- Features
- digital banking — Online renewal options avaliable on the same term.; notifications: Maturity Letters — Letters are issued 2 weeks prior to maturity date with available options.; other — Term Deposit Certificates are issued at opening of account.
- The bank’s description
- Make the most of your savings and invest with our 12 month Term Deposit.
- Interest calculated
- daily
Term Deposit - 18 Months: eligibility, conditions and features
- Conditions
- min balance 1000.00
- Features
- digital banking — Online renewal options avaliable on the same term.; notifications: Maturity Letters — Letters are issued 2 weeks prior to maturity date with available options.; other — Term Deposit Certificates are issued at opening of account.
- The bank’s description
- Make the most of your savings and invest with our 18 month Term Deposit.
- Interest calculated
- daily
Term Deposit - 24 Months: eligibility, conditions and features
- Conditions
- min balance 1000.00
- Features
- digital banking — Online renewal options avaliable on the same term.; notifications: Maturity Letters — Letters are issued 2 weeks prior to maturity date with available options.; other — Term Deposit Certificates are issued at opening of account.
- The bank’s description
- Make the most of your savings and invest with our 24 month Term Deposit.
- Interest calculated
- daily
Term Deposit - 2 Months: eligibility, conditions and features
- Conditions
- min balance 1000.00
- Features
- digital banking — Online renewal options avaliable on the same term.; notifications: Maturity Letters — Letters are issued 2 weeks prior to maturity date with available options.; other — Term Deposit Certificates are issued at opening of account.
- The bank’s description
- Make the most of your savings and invest with our 2 month Term Deposit.
- Interest calculated
- daily
Term Deposit - 3 Months: eligibility, conditions and features
- Conditions
- min balance 1000.00
- Features
- digital banking — Online renewal options avaliable on the same term.; notifications: Maturity Letters — Letters are issued 2 weeks prior to maturity date with available options.; other — Term Deposit Certificates are issued at opening of account.
- The bank’s description
- Make the most of your savings and invest with our 3 month Term Deposit.
- Interest calculated
- daily
Term Deposit - 4 Months: eligibility, conditions and features
- Conditions
- min balance 1000.00
- Features
- digital banking — Online renewal options avaliable on the same term.; notifications: Matuirty Letters — Letters are issued 2 weeks prior to maturity date with available options.; other — Term Deposit Certificates are issued at opening of account.
- The bank’s description
- Make the most of your savings and invest with our 4 month Term Deposit.
- Interest calculated
- daily
Term Deposit - 5 Months: eligibility, conditions and features
- Conditions
- min balance 1000.00
- Features
- digital banking — Online renewal options avaliable on the same term.; notifications: Maturity Letters — Letters are issued 2 weeks prior to maturity date with available options.; other — Term Deposit Certificates are issued at opening of account.
- The bank’s description
- Make the most of your savings and invest with our 5 month Term Deposit.
- Interest calculated
- daily
Term Deposit - 6 Months: eligibility, conditions and features
- Conditions
- min balance 1000.00
- Features
- digital banking — Online renewal options avaliable on the same term.; notifications: Matuirty Letters — Letters are issued 2 weeks prior to maturity date with available options.; other — Term Deposit Certificates are issued at opening of account.
- The bank’s description
- Make the most of your savings and invest with our 6 month Term Deposit.
- Interest calculated
- daily
Term Deposit - 7 Months: eligibility, conditions and features
- Conditions
- min balance 1000.00
- Features
- digital banking — Online renewal options avaliable on the same term.; notifications: Maturity Letters — Letters are issued 2 weeks prior to maturity date with available options.; other — Term Deposit Certificates are issued at opening of account.
- The bank’s description
- Make the most of your savings and invest with our 7 month Term Deposit.
- Interest calculated
- daily
Term Deposit - 8 Months: eligibility, conditions and features
- Conditions
- min balance 1000.00
- Features
- digital banking — Online renewal options avaliable on the same term.; notifications: Maturity Letters — Letters are issued 2 weeks prior to maturity date with available options.; other — Term Deposit Certificates are issued at opening of account.
- The bank’s description
- Make the most of your savings and invest with our 8 month Term Deposit.
- Interest calculated
- daily
Term Deposit - 9 Months: eligibility, conditions and features
- Conditions
- min balance 1000.00
- Features
- digital banking — Online renewal options avaliable on the same term.; notifications: Maturity Letters — Letters are issued 2 weeks prior to maturity date with available options.; other — Term Deposit Certificates are issued at opening of account.
- The bank’s description
- Make the most of your savings and invest with our 9 month 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 · 14 terms
3mo 5.10% today
26 Aug 202610 Oct 2026
4mo 4.50% today
26 Aug 202610 Oct 2026
6mo 5.30% today
26 Aug 202610 Oct 2026
7mo 4.60% today
26 Aug 202610 Oct 2026
1yr 5.55% today
26 Aug 202610 Oct 2026
2yr 5.00% today
26 Aug 202610 Oct 2026
All 14 terms — the other 8
1mo 1.65% today
26 Aug 202610 Oct 2026
2mo 1.90% today
26 Aug 202610 Oct 2026
5mo 4.50% today
26 Aug 202610 Oct 2026
8mo 4.65% today
26 Aug 202610 Oct 2026
9mo 4.70% today
26 Aug 202610 Oct 2026
10mo 4.75% today
26 Aug 202610 Oct 2026
11mo 4.80% today
26 Aug 202610 Oct 2026
18mo 5.20% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Dnister 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 Dnister Bank sitsagainst the 77 banks ranked today
1yr: 1 bank ahead
- Community First Bank 5.60%
6mo: 3 banks ahead
- Heartland Bank 5.45%
- RACQ Bank 5.45%
- Unity Bank 5.35%
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 |
Timeline5 rate changes since 26 Aug 2026 · ▲5 ▼0 · 1 event
| Date | Term | From → to | Δ |
|---|---|---|---|
| 8 Oct 2026 | 18mo | 4.70 → 5.20 | ▲ +0.50 |
| 8 Oct 2026 | 3mo | 4.80 → 5.10 | ▲ +0.30 |
| 8 Oct 2026 | 6mo | 5.00 → 5.30 | ▲ +0.30 |
| 8 Oct 2026 | 1yr | 5.25 → 5.55 | ▲ +0.30 |
| 8 Oct 2026 | 2yr | 4.70 → 5.00 | ▲ +0.30 |
| 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 Dnister Bank’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Dnister Bank publishes in its Consumer Data Right feed is 5.55% for 12 months (Term Deposit - 12 Months). That is joint #2 of the 77 Australian banks ranked by best rate today.
What is Dnister Bank’s 12-month term deposit rate?
5.55% as read on 10 Oct 2026, 0.30 points above the market median of 5.25%, and joint #2 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 Dnister Bank?
The lowest minimum Dnister Bank states in its feed is $1,000 (Term Deposit - 1 Month, 1-month). Check the product disclosure statement for balance tiers.
When did Dnister Bank last change a term deposit rate?
The most recent change we read was on 8 Oct 2026: the 18-month rate moved from 4.70% to 5.20%. We have read 5 changes at Dnister Bank since 26 Aug 2026.
Are deposits with Dnister Bank guaranteed?
Dnister 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 Dnister 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 Dnister Bank” below; rates are as read on 10 Oct 2026.
About Dnister Bank
- Registered as
- Dnister
- Also known as
- Dnister, Dnister Ukrainian Credit Co-operative
- Type
- Customer-owned bank (mutual)
- Website
- www.dnister.com.au
- Consumer Data Right feed
- https://public.cdr-api.dnister.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 Dnister 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.
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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.