Firefighters Mutual Bank term deposit rates
17 terms published on 10 Oct 2026, best 5.40% for 12 months, from Firefighters Mutual Bank’s own Consumer Data Right feed.
Today’s rates >_Interest on a deposit →Firefighters Mutual Bank website →
Firefighters Mutual Bank at a glance
Today’s rates17 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 3mo | 5.00% | joint #10 of 68 | +0.45 | −0.25 | ▲ +0.15 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
| 4mo | 5.00% | joint #11 of 49 | +0.35 | −0.40 | ▲ +0.15 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
| 5mo | 4.30% | joint #18 of 50 | median | −0.90 | ▲ +0.25 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
| 6mo | 5.15% | joint #20 of 73 | +0.15 | −0.30 | ▲ +0.50 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
| 7mo | 5.15% | joint #9 of 43 | +0.20 | −0.30 | ▲ +0.10 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
| 8mo | 5.15% | joint #5 of 39 | +0.75 | −0.10 | ▲ +0.10 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
| 9mo | 4.80% | joint #29 of 60 | median | −0.60 | ▲ +0.25 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
| 10mo | 4.80% | joint #11 of 40 | +0.80 | −0.55 | ▲ +0.25 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
| 11mo | 4.30% | joint #17 of 45 | +0.30 | −1.15 | ▲ +0.25 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
| 1yr | 5.40% | joint #12 of 75 | +0.15 | −0.20 | ▲ +0.10 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
| 13mo | 5.40% | joint #2 of 18 | +0.55 | −0.10 | ▲ +0.10 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
| 17mo | 4.30% | joint #4 of 13 | median | −0.70 | ▲ +0.25 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
| 18mo | 4.30% | joint #13 of 25 | median | −1.20 | ▲ +0.25 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
| 23mo | 4.30% | joint #7 of 17 | median | −0.95 | ▲ +0.25 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
| 2yr | 4.30% | joint #47 of 67 | −0.40 | −1.25 | ▲ +0.25 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
| 35mo | 4.30% | joint #7 of 15 | median | −0.85 | ▲ +0.25 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
| 3yr | 4.30% | joint #24 of 51 | median | −1.15 | ▲ +0.25 8 Oct | in effect since 8 Oct 2026 | $1,000 | Term Deposit for Edvest Members |
“Rank”, “vs median” and “vs best” compare Firefighters Mutual 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 Firefighters Mutual Bank publishes about its products3 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| Term Deposit for Edvest Members | every 119 days, every 149 days, every 179 days, every 209 days, every 239 days, every 269 days, every 299 days, every 329 days | $1,000 | $9,999,999 | 27 | product page · terms · fees · eligibility |
| Term Deposit | every 119 days, every 149 days, every 179 days, every 209 days, every 239 days, every 269 days, every 299 days, every 329 days | $1,000 | $9,999,999 | 27 | product page · terms · fees · eligibility |
| Term Deposit for Customers | every 119 days, every 149 days, every 179 days, every 209 days, every 239 days, every 269 days, every 299 days, every 329 days | $1,000 | $9,999,999 | 27 | product page · terms · fees · eligibility |
Term Deposit for Edvest Members: eligibility, conditions and features
- Eligibility
- This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying account with us.; You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family m…; residency: Individuals must be citizens or permanent residents of Australia.
- Conditions
- opening balance 1000.00; min balance 1000.00; max balance 499999.99 — For deposits of $500,000 and over, rates are by negotiation and subject to acceptance.
- Features
- other — No account keeping fee; other — A guaranteed rate for terms from 3 to 36 months; other — Earn a competitive interest rate on your investment with a minimum opening balance of $1,000 can get you started.; other — Interest can be paid fortnight, monthly, 12 monthly or at maturity.; other — For deposits of $500,000 and over, rates are by negotiation and subject to acceptance.; other — We'll send you a written renewal notice before your deposit matures.; other — If you want to withdraw your Term Deposit before it matures you'll need to give us 31 days' notice. A reduced rate of interest will apply in these circumstances. For full details refer to our Conditi…; digital banking
- The bank’s description
- Take advantage of great returns on our term deposits.
- Interest calculated
- daily
Term Deposit: eligibility, conditions and features
- Eligibility
- You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family m…; residency: Individuals must be citizens or permanent residents of Australia.
- Conditions
- opening balance 1000.00; min balance 1000.00; max balance 499999.99 — For deposits of $500,000 and over, rates are by negotiation and subject to acceptance.
- Features
- other — No account keeping fee; other — A guaranteed rate for terms from 3 to 36 months; other — Earn a competitive interest rate on your investment with a minimum opening balance of $1,000 can get you started.; other — Interest can be paid monthly, 12 monthly or at maturity.; other — For deposits of $500,000 and over, rates are by negotiation and subject to acceptance.; other — We'll send you a written renewal notice before your deposit matures.; other — If you want to withdraw your Term Deposit before it matures you'll need to give us 31 days' notice. A reduced rate of interest will apply in these circumstances. For full details refer to our Conditi…; digital banking
- The bank’s description
- Take advantage of great returns on our term deposits.
- Interest calculated
- daily
Term Deposit for Customers: eligibility, conditions and features
- Eligibility
- residency: Individuals must be citizens or permanent residents of Australia.
- Conditions
- opening balance 1000.00; min balance 1000.00; max balance 499999.99 — For deposits of $500,000 and over, rates are by negotiation and subject to acceptance.
- Features
- other — No account keeping fee; other — A guaranteed rate for terms from 3 to 36 months; other — Earn a competitive interest rate on your investment with a minimum opening balance of $1,000 can get you started.; other — Interest can be paid monthly, 12 monthly or at maturity.; other — For deposits of $500,000 and over, rates are by negotiation and subject to acceptance.; other — We'll send you a written renewal notice before your deposit matures.; other — If you want to withdraw your Term Deposit before it matures you'll need to give us 31 days' notice. A reduced rate of interest will apply in these circumstances. For full details refer to our Conditi…; digital banking
- The bank’s description
- Take advantage of great returns on our term deposits.
- 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 · 17 terms
3mo 5.00% today
26 Aug 202610 Oct 2026
4mo 5.00% today
26 Aug 202610 Oct 2026
6mo 5.15% today
26 Aug 202610 Oct 2026
1yr 5.40% today
26 Aug 202610 Oct 2026
2yr 4.30% today
26 Aug 202610 Oct 2026
3yr 4.30% today
26 Aug 202610 Oct 2026
All 17 terms — the other 11
5mo 4.30% today
26 Aug 202610 Oct 2026
7mo 5.15% today
26 Aug 202610 Oct 2026
8mo 5.15% today
26 Aug 202610 Oct 2026
9mo 4.80% today
26 Aug 202610 Oct 2026
10mo 4.80% today
26 Aug 202610 Oct 2026
11mo 4.30% today
26 Aug 202610 Oct 2026
13mo 5.40% today
26 Aug 202610 Oct 2026
17mo 4.30% today
26 Aug 202610 Oct 2026
18mo 4.30% today
26 Aug 202610 Oct 2026
23mo 4.30% today
26 Aug 202610 Oct 2026
35mo 4.30% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Firefighters Mutual 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 Firefighters Mutual Bank sitsagainst the 77 banks ranked today
1yr: 11 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 5 more on the leaderboard
6mo: 19 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 13 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 |
| Firefighters Mutual Bank | 5.40% | 1yr | 5.15% | 5.40% | #16 |
Timeline17 rate changes since 10 Sep 2026 · ▲17 ▼0 · 1 event
| Date | Term | From → to | Δ |
|---|---|---|---|
| 8 Oct 2026 | 6mo | 4.65 → 5.15 | ▲ +0.50 |
| 8 Oct 2026 | 5mo | 4.05 → 4.30 | ▲ +0.25 |
| 8 Oct 2026 | 9mo | 4.55 → 4.80 | ▲ +0.25 |
| 8 Oct 2026 | 10mo | 4.55 → 4.80 | ▲ +0.25 |
| 8 Oct 2026 | 11mo | 4.05 → 4.30 | ▲ +0.25 |
| 8 Oct 2026 | 17mo | 4.05 → 4.30 | ▲ +0.25 |
| 8 Oct 2026 | 18mo | 4.05 → 4.30 | ▲ +0.25 |
| 8 Oct 2026 | 23mo | 4.05 → 4.30 | ▲ +0.25 |
| 8 Oct 2026 | 2yr | 4.05 → 4.30 | ▲ +0.25 |
| 8 Oct 2026 | 35mo | 4.05 → 4.30 | ▲ +0.25 |
| 8 Oct 2026 | 3yr | 4.05 → 4.30 | ▲ +0.25 |
| 8 Oct 2026 | 3mo | 4.85 → 5.00 | ▲ +0.15 |
| 8 Oct 2026 | 4mo | 4.85 → 5.00 | ▲ +0.15 |
| 8 Oct 2026 | 7mo | 5.05 → 5.15 | ▲ +0.10 |
| 8 Oct 2026 | 8mo | 5.05 → 5.15 | ▲ +0.10 |
| 8 Oct 2026 | 1yr | 5.30 → 5.40 | ▲ +0.10 |
| 8 Oct 2026 | 13mo | 5.30 → 5.40 | ▲ +0.10 |
| 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 Firefighters Mutual Bank’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Firefighters Mutual Bank publishes in its Consumer Data Right feed is 5.40% for 12 months (Term Deposit for Edvest Members). That is joint #16 of the 77 Australian banks ranked by best rate today.
What is Firefighters Mutual Bank’s 12-month term deposit rate?
5.40% as read on 10 Oct 2026, 0.15 points above the market median of 5.25%, and joint #12 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 Firefighters Mutual Bank?
The lowest minimum Firefighters Mutual Bank states in its feed is $1,000 (Term Deposit for Edvest Members, 3-month). Check the product disclosure statement for balance tiers.
When did Firefighters Mutual Bank last change a term deposit rate?
The most recent change we read was on 8 Oct 2026: the 6-month rate moved from 4.65% to 5.15%. We have read 17 changes at Firefighters Mutual Bank since 10 Sep 2026.
Are deposits with Firefighters Mutual Bank guaranteed?
Firefighters Mutual 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 Firefighters Mutual 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 Firefighters Mutual Bank” below; rates are as read on 10 Oct 2026.
About Firefighters Mutual Bank
- Type
- Customer-owned bank (mutual)
- Part of
- Teachers Mutual Bank Limited
- Website
- www.fmbank.com.au
- Consumer Data Right feed
- https://ob.tmbl.com.au/fmbank
- 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 Firefighters Mutual 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
Firefighters Mutual 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.