Rabobank term deposit rates
14 terms published on 10 Oct 2026, best 5.35% for 60 months, from Rabobank’s own Consumer Data Right feed.
Rabobank 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 | 2.05% | #12 of 33 | +0.55 | −2.05 | — | same on every day read since 26 Aug 2026 | $500,001 | Online Term Deposit |
| 2mo | 2.10% | joint #9 of 36 | +0.35 | −2.35 | — | same on every day read since 26 Aug 2026 | $5,000 | Rural Term Deposit |
| 3mo | 5.00% | joint #10 of 68 | +0.45 | −0.25 | ▲ +0.15 16 Sep | in effect since 16 Sep 2026 | $500,001 | Online Term Deposit |
| 4mo | 3.90% | #36 of 49 | −0.75 | −1.50 | — | same on every day read since 26 Aug 2026 | $5,000 | Rural Term Deposit |
| 5mo | 3.90% | #29 of 50 | −0.40 | −1.30 | — | same on every day read since 26 Aug 2026 | $5,000 | Rural Term Deposit |
| 6mo | 5.10% | joint #29 of 73 | +0.10 | −0.35 | ▲ +0.10 16 Sep | in effect since 16 Sep 2026 | $500,001 | Online Term Deposit |
| 9mo | 5.15% | joint #18 of 60 | +0.35 | −0.25 | ▲ +0.20 16 Sep | in effect since 16 Sep 2026 | $500,001 | Online Term Deposit |
| 1yr | 5.25% | joint #38 of 75 | median | −0.35 | ▲ +0.20 16 Sep | in effect since 16 Sep 2026 | $500,001 | Online Term Deposit |
| 15mo | 3.55% | joint #4 of 8 | median | −1.45 | — | same on every day read since 26 Aug 2026 | $500,001 | Online Term Deposit |
| 18mo | 3.60% | #19 of 25 | −0.70 | −1.90 | — | same on every day read since 26 Aug 2026 | $500,001 | Online Term Deposit |
| 2yr | 5.15% | joint #13 of 67 | +0.45 | −0.40 | ▲ +0.30 16 Sep | in effect since 16 Sep 2026 | $500,001 | Online Term Deposit |
| 3yr | 5.20% | joint #5 of 51 | +0.90 | −0.25 | ▲ +0.30 16 Sep | in effect since 16 Sep 2026 | $500,001 | Online Term Deposit |
| 4yr | 5.25% | joint #2 of 32 | +1.25 | −0.25 | ▲ +0.15 16 Sep | in effect since 16 Sep 2026 | $500,001 | Online Term Deposit |
| 5yr | 5.35% | joint #3 of 31 | +1.35 | −0.15 | ▲ +0.15 16 Sep | in effect since 16 Sep 2026 | $500,001 | Online Term Deposit |
“Rank”, “vs median” and “vs best” compare Rabobank 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 Rabobank publishes about its products18 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| Online Term Deposit | monthly (at maturity), quarterly (at maturity), half-yearly (at maturity), every 9 months (at maturity), monthly, quarterly, half-yearly, yearly (at maturity) | $1,000 | no upper limit | 11 | product page · terms · fees |
| Online Term Deposit (Trust) | monthly (at maturity), quarterly (at maturity), half-yearly (at maturity), every 9 months (at maturity), monthly, quarterly, half-yearly, yearly (at maturity) | $1,000 | no upper limit | 11 | product page · terms · fees |
| Rural Term Depositsmsf | every 30 days (at maturity), every 60 days (at maturity), every 90 days (at maturity), every 120 days (at maturity), every 150 days (at maturity), every 180 days (at maturity), every 270 days (at maturity), monthly | $5,000 | $1,999,999.99 | 12 | product page · terms · fees |
Online Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 18 — Each individual owner of an account must be at least 18 years old.; individuals: Available only to Individual account owners or Joint account owners.; residency: Each individual owner of an account must be residing in and tax resident of Aus…
- Conditions
- max balance 2000000.00; min balance 1000.00; opening balance 1000.00; other — New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge fees and has no minimum balance requireme…
- Features
- digital banking — Online and mobile banking.; notifications: Includes advanced notifications sent to clients. — An alert about future events or notifications.; other — From February 1 2012, the Financial Claims Scheme applies to eligible deposits with a balance up to $250,000 per account holder, per Authorised Deposit-taking Institution.
- The bank’s description
- Competitive fixed interest with the choice of 1 month to 5 year terms.
- Interest calculated
- daily
Online Term Deposit (Trust): eligibility, conditions and features
- Eligibility
- minimum age: 18 — The applicant must be an individual trustee who is at least 18 years old.; Product is available only to Trusts, incorporated in Australia, meeting eligibility criteria.; The Trust must have an Australian bank account in its name with another financial institution.; All trustees of the Trust must be individuals.; residency: All trustees (maximum of three) of the Trust must be residing in and tax reside…; residency: All settlors, appointors and beneficiaries of the Trust must be individuals, re…
- Conditions
- max balance 2000000.00; min balance 1000.00; opening balance 1000.00; other — New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge fees and has no minimum balance requireme…
- Features
- digital banking — Online and mobile banking.; notifications: Includes advanced notifications sent to clients. — An alert about future events or notifications.; other — From February 1 2012, the Financial Claims Scheme applies to eligible deposits with a balance up to $250,000 per account holder, per Authorised Deposit-taking Institution.
- The bank’s description
- Competitive fixed interest with the choice of 1 month to 5 year terms.
- Interest calculated
- daily
Rural Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 18 — The applicant and each account owner must be at least 18 years old.; Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and other forms of business structures that Rab…
- Conditions
- opening balance 5000.00
- Features
- digital banking — Online and mobile banking.; fraud protection — Includes fraud protection.; notifications: Includes advanced notifications sent to clients. — An alert about future events or notifications.; other — From February 1 2012, the Financial Claims Scheme applies to eligible deposits with a balance up to $250,000 per account holder, per Authorised Deposit-taking Institution.
- The bank’s description
- With a Term Deposit, you can make the most of your money with fixed returns to maximise your savings.
- Interest calculated
- daily
Also published, not ranked here: Online Term Deposit (SMSF) smsf (product page); Online Term Deposit (Business) business (product page); 31 day Notice Saver (SMSF) smsf (product page); 31 day Notice Saver (Trust) other (product page); 60 day Notice Saver (SMSF) smsf (product page); 60 day Notice Saver (Trust) other (product page); 90 day Notice Saver (SMSF) smsf (product page); 90 day Notice Saver (Trust) other (product page); 31 day Notice Saver other (product page); 31 day Notice Saver (Business) business (product page); 60 day Notice Saver other (product page); 60 day Notice Saver (Business) business (product page); 90 day Notice Saver other (product page); 90 day Notice Saver (Business) business (product page); Rabobank Farm Management Deposit (Fixed rate) 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; a retail product that is also open to businesses or SMSFs is marked.
Rate historyevery sweep day since 26 Aug 2026 · 46 days · 14 terms
3mo 5.00% today
26 Aug 202610 Oct 2026
6mo 5.10% today
26 Aug 202610 Oct 2026
1yr 5.25% today
26 Aug 202610 Oct 2026
2yr 5.15% today
26 Aug 202610 Oct 2026
3yr 5.20% today
26 Aug 202610 Oct 2026
5yr 5.35% today
26 Aug 202610 Oct 2026
All 14 terms — the other 8
1mo 2.05% today
26 Aug 202610 Oct 2026
2mo 2.10% today
26 Aug 202610 Oct 2026
4mo 3.90% today
26 Aug 202610 Oct 2026
5mo 3.90% today
26 Aug 202610 Oct 2026
9mo 5.15% today
26 Aug 202610 Oct 2026
15mo 3.55% today
26 Aug 202610 Oct 2026
18mo 3.60% today
26 Aug 202610 Oct 2026
4yr 5.25% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Rabobank 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 Rabobank sitsagainst the 77 banks ranked today
1yr: 37 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 31 more on the leaderboard
6mo: 28 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 22 more on the leaderboard
Timeline8 rate changes since 26 Aug 2026 · ▲8 ▼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. | |
| 16 Sep 2026 | 2yr | 4.85 → 5.15 | ▲ +0.30 |
| 16 Sep 2026 | 3yr | 4.90 → 5.20 | ▲ +0.30 |
| 16 Sep 2026 | 9mo | 4.95 → 5.15 | ▲ +0.20 |
| 16 Sep 2026 | 1yr | 5.05 → 5.25 | ▲ +0.20 |
| 16 Sep 2026 | 3mo | 4.85 → 5.00 | ▲ +0.15 |
| 16 Sep 2026 | 4yr | 5.10 → 5.25 | ▲ +0.15 |
| 16 Sep 2026 | 5yr | 5.20 → 5.35 | ▲ +0.15 |
| 16 Sep 2026 | 6mo | 5.00 → 5.10 | ▲ +0.10 |
Questions about these rates
What is Rabobank’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Rabobank publishes in its Consumer Data Right feed is 5.35% for 60 months (Online Term Deposit). That is joint #24 of the 77 Australian banks ranked by best rate today.
What is Rabobank’s 12-month term deposit rate?
5.25% as read on 10 Oct 2026, exactly the market median of 5.25%, and joint #38 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 Rabobank?
The lowest minimum Rabobank states in its feed is $5,000 (Rural Term Deposit, 2-month). Check the product disclosure statement for balance tiers.
When did Rabobank last change a term deposit rate?
The most recent change we read was on 16 Sep 2026: the 24-month rate moved from 4.85% to 5.15%. We have read 8 changes at Rabobank since 26 Aug 2026.
Are deposits with Rabobank guaranteed?
Rabobank 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 Rabobank 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 Rabobank” below; rates are as read on 10 Oct 2026.
About Rabobank
- Type
- Foreign-owned bank
- Part of
- Rabobank (Netherlands)
- Consumer Data Right feed
- https://openbanking.api.rabobank.com.au/public
- 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 Rabobank 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 Rabobankhighinterestsavingsaccounts.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.