MyState Bank term deposit rates
15 terms published on 10 Oct 2026, best 5.35% for 11 months, from MyState Bank’s own Consumer Data Right feed.
Today’s rates >_Interest on a deposit →MyState Bank website →
MyState Bank at a glance
Today’s rates15 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 1mo | 0.50% | #33 of 33 | −1.00 | −3.60 | — | same on every day read since 26 Aug 2026 | $5,000 | Online Term Deposit |
| 2mo | 0.50% | #36 of 36 | −1.25 | −3.95 | — | same on every day read since 26 Aug 2026 | $5,000 | Online Term Deposit |
| 3mo | 5.00% | joint #10 of 68 | +0.45 | −0.25 | — | same on every day read since 26 Aug 2026 | $5,000 | AMM - Regular Term Deposit |
| 4mo | 4.90% | joint #18 of 49 | +0.25 | −0.50 | ▲ +1.05 30 Sep | in effect since 30 Sep 2026 | $5,000 | Online Term Deposit |
| 5mo | 4.90% | joint #5 of 50 | +0.60 | −0.30 | ▲ +0.90 30 Sep | in effect since 30 Sep 2026 | $5,000 | Online Term Deposit |
| 6mo | 5.20% | joint #10 of 73 | +0.20 | −0.25 | — | same on every day read since 26 Aug 2026 | $5,000 | AMM - Regular Term Deposit |
| 7mo | 5.00% | joint #16 of 43 | +0.05 | −0.45 | ▲ +1.15 30 Sep | in effect since 30 Sep 2026 | $5,000 | Online Term Deposit |
| 8mo | 5.00% | joint #11 of 39 | +0.60 | −0.25 | ▲ +1.20 30 Sep | in effect since 30 Sep 2026 | $5,000 | Online Term Deposit |
| 9mo | 5.25% | joint #12 of 60 | +0.45 | −0.15 | — | same on every day read since 26 Aug 2026 | $5,000 | AMM - Regular Term Deposit |
| 10mo | 5.10% | joint #4 of 40 | +1.10 | −0.25 | ▲ +1.35 30 Sep | in effect since 30 Sep 2026 | $5,000 | Online Term Deposit |
| 11mo | 5.35% | joint #2 of 45 | +1.35 | −0.10 | ▲ +0.75 30 Sep | in effect since 30 Sep 2026 | $5,000 | Online Term Deposit |
| 1yr | 5.30% | joint #23 of 75 | +0.05 | −0.30 | — | same on every day read since 26 Aug 2026 | $5,000 | AMM - Regular Term Deposit |
| 15mo | 3.75% | #3 of 8 | +0.20 | −1.25 | — | same on every day read since 26 Aug 2026 | $5,000 | Regular Term Deposit |
| 2yr | 5.15% | joint #13 of 67 | +0.45 | −0.40 | — | same on every day read since 26 Aug 2026 | $5,000 | Online Term Deposit |
| 3yr | 4.25% | joint #29 of 51 | −0.05 | −1.20 | — | same on every day read since 26 Aug 2026 | $5,000 | Regular Term Deposit |
“Rank”, “vs median” and “vs best” compare MyState 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 MyState Bank publishes about its products6 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| Regular Term Deposit | every 10 months, yearly, monthly, every two months, every 15 months, every 24 months, every 9 months, every 8 months | $5,000 | not stated | 15 | product page · terms · fees · eligibility |
| Online Term Deposit | every 5 months, every 8 months, every 9 months, monthly, every 7 months, every 10 months, every two months, every 11 months | $5,000 | not stated | 13 | product page · terms · fees · eligibility |
| E&P - Regular Term Deposit | yearly, every 9 months, half-yearly, quarterly | $5,000 | not stated | 4 | product page · terms · fees · eligibility |
| Ord Minnett - Regular Term Deposit | every 10 months, every 7 months, every 8 months, every 5 months, every 4 months, every two months, every 11 months, half-yearly | not stated | not stated | 12 | product page · terms · fees · eligibility |
| AMM - Regular Term Deposit | half-yearly, yearly, quarterly, every 5 months, monthly, every two months, every 4 months, every 11 months | $5,000 | not stated | 14 | product page · terms · fees · eligibility |
Regular Term Deposit: eligibility, conditions and features
- Eligibility
- individuals
- Conditions
- min balance 5000.00
- The bank’s description
- If you have money to invest, and you want reliable investment returns, a term deposit from MyState Bank may be just what you need.
- Interest calculated
- daily
Online Term Deposit: eligibility, conditions and features
- Eligibility
- individuals
- Conditions
- min balance 5000.00
- The bank’s description
- If you have money to invest, and you want reliable investment returns, a term deposit from MyState Bank may be just what you need.
- Interest calculated
- daily
E&P - Regular Term Deposit: eligibility, conditions and features
- Eligibility
- individuals; Only available through Evans & Partners.
- Conditions
- min balance 5000.00
- The bank’s description
- Only available through Evans & Partners.
- Interest calculated
- daily
Ord Minnett - Regular Term Deposit: eligibility, conditions and features
- Eligibility
- individuals; Available only through Ord Minnett.
- The bank’s description
- Available only through Ord Minnett.
- Interest calculated
- daily
AMM - Regular Term Deposit: eligibility, conditions and features
- Eligibility
- individuals; Available only through Australian Money Market.
- Conditions
- min balance 5000.00
- The bank’s description
- Available only through Australian Money Market.
- Interest calculated
- daily
Also published, not ranked here: Business Term Deposit 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 · 15 terms
3mo 5.00% today
26 Aug 202610 Oct 2026
4mo 4.90% today
26 Aug 202610 Oct 2026
6mo 5.20% today
26 Aug 202610 Oct 2026
1yr 5.30% today
26 Aug 202610 Oct 2026
2yr 5.15% today
26 Aug 202610 Oct 2026
3yr 4.25% today
26 Aug 202610 Oct 2026
All 15 terms — the other 9
1mo 0.50% today
26 Aug 202610 Oct 2026
2mo 0.50% today
26 Aug 202610 Oct 2026
5mo 4.90% today
26 Aug 202610 Oct 2026
7mo 5.00% today
26 Aug 202610 Oct 2026
8mo 5.00% today
26 Aug 202610 Oct 2026
9mo 5.25% today
26 Aug 202610 Oct 2026
10mo 5.10% today
26 Aug 202610 Oct 2026
11mo 5.35% today
26 Aug 202610 Oct 2026
15mo 3.75% today
26 Aug 202610 Oct 2026
Each line is the best retail rate MyState 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 MyState Bank sitsagainst the 77 banks ranked today
1yr: 22 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 16 more on the leaderboard
6mo: 9 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 3 more on the leaderboard
Timeline6 rate changes since 26 Aug 2026 · ▲6 ▼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. | |
| 30 Sep 2026 | 10mo | 3.75 → 5.10 | ▲ +1.35 |
| 30 Sep 2026 | 8mo | 3.80 → 5.00 | ▲ +1.20 |
| 30 Sep 2026 | 7mo | 3.85 → 5.00 | ▲ +1.15 |
| 30 Sep 2026 | 4mo | 3.85 → 4.90 | ▲ +1.05 |
| 30 Sep 2026 | 5mo | 4.00 → 4.90 | ▲ +0.90 |
| 30 Sep 2026 | 11mo | 4.60 → 5.35 | ▲ +0.75 |
Questions about these rates
What is MyState Bank’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate MyState Bank publishes in its Consumer Data Right feed is 5.35% for 11 months (Online Term Deposit). That is joint #24 of the 77 Australian banks ranked by best rate today.
What is MyState Bank’s 12-month term deposit rate?
5.30% as read on 10 Oct 2026, 0.05 points above the market median of 5.25%, and joint #23 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 MyState Bank?
The lowest minimum MyState Bank states in its feed is $5,000 (Online Term Deposit, 1-month). Check the product disclosure statement for balance tiers.
When did MyState Bank last change a term deposit rate?
The most recent change we read was on 30 Sep 2026: the 10-month rate moved from 3.75% to 5.10%. We have read 6 changes at MyState Bank since 26 Aug 2026.
Are deposits with MyState Bank guaranteed?
MyState 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 MyState 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 MyState Bank” below; rates are as read on 10 Oct 2026.
About MyState Bank
- Also known as
- MyState
- Type
- ASX-listed bank
- Part of
- MyState Limited
- ASX code
- MYS
- Website
- mystate.com.au
- Consumer Data Right feed
- https://public.cdr.mystate.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 MyState 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 MyState 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.