IMB Bank term deposit rates
7 terms published on 10 Oct 2026, best 5.15% for 12 months, from IMB Bank’s own Consumer Data Right feed.
IMB 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 |
|---|---|---|---|---|---|---|---|---|
| 3mo | 4.90% | joint #29 of 68 | +0.35 | −0.35 | ▼ −0.10 2 Oct | in effect since 2 Oct 2026 | $5,000 | Term Deposit |
| 6mo | 5.00% | joint #35 of 73 | median | −0.45 | ▼ −0.10 2 Oct | in effect since 2 Oct 2026 | $5,000 | Term Deposit |
| 1yr | 5.15% | joint #55 of 75 | −0.10 | −0.45 | ▼ −0.10 2 Sep | in effect since 2 Sep 2026 | $5,000 | Term Deposit |
| 2yr | 4.50% | joint #41 of 67 | −0.20 | −1.05 | — | same on every day read since 26 Aug 2026 | $5,000 | Term Deposit |
| 3yr | 4.50% | joint #20 of 51 | +0.20 | −0.95 | — | same on every day read since 26 Aug 2026 | $5,000 | Term Deposit |
| 4yr | 4.00% | joint #15 of 32 | median | −1.50 | — | same on every day read since 26 Aug 2026 | $5,000 | Term Deposit |
| 5yr | 4.00% | joint #14 of 31 | median | −1.50 | — | same on every day read since 26 Aug 2026 | $5,000 | Term Deposit |
“Rank”, “vs median” and “vs best” compare IMB 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 IMB Bank publishes about its products2 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| Term Deposit | quarterly (upfront), half-yearly (upfront), yearly (upfront), upfront, monthly (upfront), every 14 days (upfront) | $1,000 | no upper limit | 7 | product page · terms · fees |
Term Deposit: eligibility, conditions and features
- Eligibility
- pension recipients
- Conditions
- opening balance 1000 — A higher minimum opening balance may apply for select terms or for term deposits opened online.; min balance 1000 — A higher minimum opening balance may apply for select terms or for term deposits opened online.; other 30 days — The mininum term
- Features
- digital banking — Internet Banking and Mobile Banking App.; other: Branch — IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.; other: Telephone Banking — IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone.; other: Phone Banking Operator Assisted — IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm; funds available after — 31 Days' notice is required to withdraw funds prior to the maturity date.; fraud protection
- The bank’s description
- Earn great returns with an IMB Term Deposit. An IMB Term Deposit offers competitive returns for investment terms from 1 month up to 5 years for amounts of $1,000 or more. Term Deposits are a secure way to grow your savings for the future!
Also published, not ranked here: Negotiable Interest Term Account (NITA) other (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 · 7 terms
3mo 4.90% today
26 Aug 202610 Oct 2026
6mo 5.00% today
26 Aug 202610 Oct 2026
1yr 5.15% today
26 Aug 202610 Oct 2026
2yr 4.50% today
26 Aug 202610 Oct 2026
3yr 4.50% today
26 Aug 202610 Oct 2026
5yr 4.00% today
26 Aug 202610 Oct 2026
All 7 terms — the other 1
4yr 4.00% today
26 Aug 202610 Oct 2026
Each line is the best retail rate IMB 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 IMB Bank sitsagainst the 77 banks ranked today
1yr: 54 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 48 more on the leaderboard
6mo: 34 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 28 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 |
| IMB Bank | 5.15% | 1yr | 5.00% | 5.15% | #60 |
Timeline3 rate changes since 26 Aug 2026 · ▲0 ▼3 · 1 event
| Date | Term | From → to | Δ |
|---|---|---|---|
| 2 Oct 2026 | 3mo | 5.00 → 4.90 | ▼ −0.10 |
| 2 Oct 2026 | 6mo | 5.10 → 5.00 | ▼ −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. | |
| 2 Sep 2026 | 1yr | 5.25 → 5.15 | ▼ −0.10 |
Questions about these rates
What is IMB Bank’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate IMB Bank publishes in its Consumer Data Right feed is 5.15% for 12 months (Term Deposit). That is joint #60 of the 77 Australian banks ranked by best rate today.
What is IMB Bank’s 12-month term deposit rate?
5.15% as read on 10 Oct 2026, 0.10 points below the market median of 5.25%, and joint #55 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 IMB Bank?
The lowest minimum IMB Bank states in its feed is $5,000 (Term Deposit, 3-month). Check the product disclosure statement for balance tiers.
When did IMB Bank last change a term deposit rate?
The most recent change we read was on 2 Oct 2026: the 3-month rate moved from 5.00% to 4.90%. We have read 3 changes at IMB Bank since 26 Aug 2026.
Are deposits with IMB Bank guaranteed?
IMB 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 IMB 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 IMB Bank” below; rates are as read on 10 Oct 2026.
About IMB Bank
- Also known as
- IMB
- Type
- Customer-owned bank (mutual)
- Website
- www.imb.com.au
- Consumer Data Right feed
- https://openbank.openbanking.imb.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 IMB 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
IMB 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.