Judo Bank term deposit rates
- #1 for 36-month
- #1 for 60-month
- Led 36-month rates in September 2026
- Led 60-month rates in September 2026
16 terms published on 10 Oct 2026, best 5.50% for 48 months, from Judo Bank’s own Consumer Data Right feed.
Judo Bank at a glance
Today’s rates16 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 1mo | 2.10% | joint #9 of 33 | +0.60 | −2.00 | — | same on every day read since 26 Aug 2026 | $1,000 | Personal Term Deposits |
| 2mo | 2.30% | #7 of 36 | +0.55 | −2.15 | — | same on every day read since 26 Aug 2026 | $1,000 | Personal Term Deposits |
| 3mo | 4.90% | joint #29 of 68 | +0.35 | −0.35 | ▼ −0.05 2 Sep | in effect since 2 Sep 2026 | $1,000 | Personal Term Deposits |
| 4mo | 4.90% | joint #18 of 49 | +0.25 | −0.50 | ▲ +0.05 2 Sep | in effect since 2 Sep 2026 | $1,000 | Personal Term Deposits |
| 5mo | 4.90% | joint #5 of 50 | +0.60 | −0.30 | — | same on every day read since 26 Aug 2026 | $1,000 | Personal Term Deposits |
| 6mo | 4.95% | joint #43 of 73 | −0.05 | −0.50 | — | same on every day read since 26 Aug 2026 | $1,000 | Personal Term Deposits |
| 7mo | 4.95% | #22 of 43 | median | −0.50 | ▼ −0.50 2 Sep | in effect since 2 Sep 2026 | $1,000 | Personal Term Deposits |
| 8mo | 4.95% | #14 of 39 | +0.55 | −0.30 | — | same on every day read since 26 Aug 2026 | $1,000 | Personal Term Deposits |
| 9mo | 5.05% | #27 of 60 | +0.25 | −0.35 | ▼ −0.35 17 Sep | in effect since 17 Sep 2026 | $1,000 | Personal Term Deposits |
| 10mo | 5.05% | joint #8 of 40 | +1.05 | −0.30 | — | same on every day read since 26 Aug 2026 | $1,000 | Personal Term Deposits |
| 11mo | 5.25% | joint #5 of 45 | +1.25 | −0.20 | — | same on every day read since 26 Aug 2026 | $1,000 | Personal Term Deposits |
| 1yr | 5.45% | joint #9 of 75 | +0.20 | −0.15 | ▲ +0.10 17 Sep | in effect since 17 Sep 2026 | $1,000 | Personal Term Deposits |
| 2yr | 5.45% | #3 of 67 | +0.75 | −0.10 | ▲ +0.05 17 Sep | in effect since 17 Sep 2026 | $1,000 | Personal Term Deposits |
| 3yr | 5.45%market best | #1 of 51 | +1.15 | best | ▲ +0.05 17 Sep | in effect since 17 Sep 2026 | $1,000 | Personal Term Deposits |
| 4yr | 5.50%market best | #1 of 32 | +1.50 | best | — | same on every day read since 26 Aug 2026 | $1,000 | Personal Term Deposits |
| 5yr | 5.50%market best | #1 of 31 | +1.50 | best | — | same on every day read since 26 Aug 2026 | $1,000 | Personal Term Deposits |
“Rank”, “vs median” and “vs best” compare Judo 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 Judo Bank publishes about its products4 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| Personal Term Deposits | monthly, yearly, at maturity | $1,000 | not stated | 16 | product page · terms · fees · eligibility |
Personal Term Deposits: eligibility, conditions and features
- Eligibility
- individuals: The account should be used in personal capacity or for personal use. It must not be opened or used for business or trustee purposes, for business deposits contact JUDO on 13 58 36.; residency: Australian citizenship or permanent residency, and reside permanently in Austra…; minimum age: 18
- Conditions
- min balance 1000.00; opening balance 1000.00; max balance 2000000.00 — Online maximum deposits are up to $2,000,000, for amounts above $2,000,0000, contact JUDO on 13 58 36 for assistance.
- Features
- other — No Fees.; other — Fund via Direct Debit or BPAY.; other — 10 calendar days rollover cooling off period.; other — Rollover facility available.; other — Confirmation Letter provided.; other — All deposits you have with Judo Bank are guaranteed up to $250,000 by the Australian Government, under the Financial Claims Scheme. For more information on the Financial Claims Scheme. Government Dep…; other — A loyalty bonus may be offered if you automatically roll over your term deposit into a new term with Judo.; digital banking — Digital Banking available.; other — Scheduled, periodic payments available.
- The bank’s description
- Earn a competitive, fixed interest rate on your deposit with Judo Bank.
- Interest calculated
- daily
Also published, not ranked here: Business Term Deposits other (product page); SMSF Term Deposits smsf (product page); Wholesale Term Deposits 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 · 16 terms
3mo 4.90% today
26 Aug 202610 Oct 2026
6mo 4.95% today
26 Aug 202610 Oct 2026
1yr 5.45% today
26 Aug 202610 Oct 2026
2yr 5.45% today
26 Aug 202610 Oct 2026
3yr 5.45% today
26 Aug 202610 Oct 2026
5yr 5.50% today
26 Aug 202610 Oct 2026
All 16 terms — the other 10
1mo 2.10% today
26 Aug 202610 Oct 2026
2mo 2.30% today
26 Aug 202610 Oct 2026
4mo 4.90% today
26 Aug 202610 Oct 2026
5mo 4.90% today
26 Aug 202610 Oct 2026
7mo 4.95% today
26 Aug 202610 Oct 2026
8mo 4.95% today
26 Aug 202610 Oct 2026
9mo 5.05% today
26 Aug 202610 Oct 2026
10mo 5.05% today
26 Aug 202610 Oct 2026
11mo 5.25% today
26 Aug 202610 Oct 2026
4yr 5.50% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Judo 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 Judo Bank sitsagainst the 77 banks ranked today
1yr: 8 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 2 more on the leaderboard
6mo: 42 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 36 more on the leaderboard
Timeline8 rate changes since 26 Aug 2026 · ▲5 ▼3 · 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. | |
| 17 Sep 2026 | 9mo | 5.40 → 5.05 | ▼ −0.35 |
| 17 Sep 2026 | 1yr | 5.35 → 5.45 | ▲ +0.10 |
| 17 Sep 2026 | 2yr | 5.40 → 5.45 | ▲ +0.05 |
| 17 Sep 2026 | 3yr | 5.40 → 5.45 | ▲ +0.05 |
| 2 Sep 2026 | 7mo | 5.45 → 4.95 | ▼ −0.50 |
| 2 Sep 2026 | 9mo | 4.95 → 5.40 | ▲ +0.45 |
| 2 Sep 2026 | 3mo | 4.95 → 4.90 | ▼ −0.05 |
| 2 Sep 2026 | 4mo | 4.85 → 4.90 | ▲ +0.05 |
Questions about these rates
What is Judo Bank’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Judo Bank publishes in its Consumer Data Right feed is 5.50% for 48 months (Personal Term Deposits). That is joint #5 of the 77 Australian banks ranked by best rate today.
What is Judo Bank’s 12-month term deposit rate?
5.45% as read on 10 Oct 2026, 0.20 points above the market median of 5.25%, and joint #9 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 Judo Bank?
The lowest minimum Judo Bank states in its feed is $1,000 (Personal Term Deposits, 1-month). Check the product disclosure statement for balance tiers.
When did Judo Bank last change a term deposit rate?
The most recent change we read was on 17 Sep 2026: the 9-month rate moved from 5.40% to 5.05%. We have read 8 changes at Judo Bank since 26 Aug 2026.
Are deposits with Judo Bank guaranteed?
Judo 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 Judo 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 Judo Bank” below; rates are as read on 10 Oct 2026.
About Judo Bank
- Also known as
- Judo
- Type
- ASX-listed bank
- ASX code
- JDO
- Website
- www.judo.bank
- Consumer Data Right feed
- https://public.open.judo.bank
- 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 Judo 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 accounts at Judo Bankhighinterestsavingsaccounts.org
A savings account keeps the money at call, but its rate can change at any time and its best rate usually has monthly conditions. A term deposit locks one rate for its term. Both figures come from the bank’s own feed.
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.