RSL Money term deposit rates
34 terms published on 10 Oct 2026, best 4.70% for 7 months, from RSL Money’s own Consumer Data Right feed.
RSL Money at a glance
Today’s rates34 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 3mo | 4.30% | joint #41 of 68 | −0.25 | −0.95 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Income Plus |
| 4mo | 4.30% | joint #32 of 49 | −0.35 | −1.10 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Income Plus |
| 5mo | 4.30% | joint #18 of 50 | median | −0.90 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Income Plus |
| 6mo | 4.00% | joint #56 of 73 | −1.00 | −1.45 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Income Plus |
| 7mo | 4.70% | joint #24 of 43 | −0.25 | −0.75 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Income Plus |
| 8mo | 4.30% | joint #21 of 39 | −0.10 | −0.95 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Income Plus |
| 9mo | 4.30% | joint #40 of 60 | −0.50 | −1.10 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Income Plus |
| 10mo | 4.00% | joint #20 of 40 | median | −1.35 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Income Plus |
| 11mo | 4.00% | joint #23 of 45 | median | −1.45 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Income Plus |
| 1yr | 3.60% | joint #73 of 75 | −1.65 | −2.00 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Income Plus |
| 13mo | 3.55% | joint #15 of 18 | −1.30 | −1.95 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 14mo | 3.55% | joint #3 of 5 | median | −1.45 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 15mo | 3.55% | joint #4 of 8 | median | −1.45 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 16mo | 3.55% | joint #2 of 4 | median | −1.45 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 17mo | 3.55% | joint #10 of 13 | −0.75 | −1.45 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 18mo | 3.55% | joint #20 of 25 | −0.75 | −1.95 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 19mo | 3.55% | joint #2 of 4 | median | −1.45 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 20mo | 3.55% | joint #2 of 4 | median | −1.45 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 21mo | 3.55% | joint #2 of 4 | median | −1.45 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 22mo | 3.55% | joint #2 of 4 | median | −1.45 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 23mo | 3.55% | joint #12 of 17 | −0.75 | −1.70 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 2yr | 3.55% | joint #57 of 67 | −1.15 | −2.00 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 25mo | 3.20% | joint #1 of 2 | median | best | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 26mo | 3.20% | joint #1 of 2 | median | best | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 27mo | 3.20% | joint #1 of 2 | median | best | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 28mo | 3.20% | joint #1 of 2 | median | best | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 29mo | 3.20% | joint #1 of 2 | median | best | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 30mo | 3.20% | joint #3 of 6 | median | −2.35 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 31mo | 3.20% | joint #2 of 3 | median | −1.75 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 32mo | 3.20% | joint #2 of 3 | median | −1.75 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 33mo | 3.20% | #3 of 3 | −0.35 | −1.75 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 34mo | 3.20% | joint #3 of 4 | −0.70 | −1.75 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 35mo | 3.20% | joint #14 of 15 | −1.10 | −1.95 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
| 3yr | 3.20% | joint #46 of 51 | −1.10 | −2.25 | — | same on every day read since 26 Aug 2026 | $1,000 | RSL Member Investment Plus |
“Rank”, “vs median” and “vs best” compare RSL Money 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 RSL Money publishes about its products4 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| RSL Sub-Branch Investment Plus | yearly, half-yearly (at maturity), every 7 months (at maturity), every 9 months (at maturity), every 10 months (at maturity), every 11 months (at maturity), quarterly (at maturity), every 4 months (at maturity) | $1,000 | no upper limit | 34 | product page · terms · fees · eligibility |
| RSL Member Income Plus | every 5 months, monthly, every 4 months, half-yearly, every 7 months, every 8 months, every 9 months, yearly | $1,000 | not stated | 10 | product page · terms · fees · eligibility |
| RSL Sub-Branch Income Plus | every 5 months, monthly, every 4 months, half-yearly, every 7 months, every 8 months, every 9 months, yearly | $1,000 | not stated | 10 | product page · terms · fees · eligibility |
| RSL Member Investment Plus | yearly, half-yearly (at maturity), every 7 months (at maturity), every 9 months (at maturity), every 10 months (at maturity), every 11 months (at maturity), quarterly (at maturity), every 4 months (at maturity) | $1,000 | no upper limit | 34 | product page · terms · fees · eligibility |
RSL Sub-Branch Investment Plus: eligibility, conditions and features
- Eligibility
- Exclusively for RSL Sub Branches and their members; minimum age: 18; residency: Individuals must be citizens or permanent residents of Australia.
- Conditions
- min balance 1000.00
- Features
- other — Members can set up a variety of notifications in Internet Banking; digital banking
- The bank’s description
- As part of our ongoing commitment to the Returned & Services League of Australia, Australian Military Bank is proud to offer Sub Branches an exclusive offer on our Term Deposits. Make a solid return on your investment with interest paid on maturity or annually if your term is greater than 12 months…
- Interest calculated
- daily
RSL Member Income Plus: eligibility, conditions and features
- Eligibility
- Exclusively for RSL Sub Branches and their members; minimum age: 18; residency: Individuals must be citizens or permanent residents of Australia.
- Conditions
- min balance 1000.00
- Features
- other — Members can set up a variety of notifications in Internet Banking; digital banking
- The bank’s description
- As part of our ongoing commitment to the Returned & Services League of Australia, Australian Military Bank is proud to offer Sub Branch members and their spouses an exclusive offer on our Term Deposits. Receiving bonus interest on your investment, you can be sure that Australian Military Bank’s Ter…
- Interest calculated
- daily
RSL Sub-Branch Income Plus: eligibility, conditions and features
- Eligibility
- Exclusively for RSL Sub Branches and their members; minimum age: 18; residency: Individuals must be citizens or permanent residents of Australia.
- Conditions
- min balance 1000.00
- Features
- other — Members can set up a variety of notifications in Internet Banking; digital banking
- The bank’s description
- As part of our ongoing commitment to the Returned & Services League of Australia, Australian Military Bank is proud to offer Sub Branches an exclusive offer on our Term Deposits. Make a regular income on your savings with interest paid monthly.
- Interest calculated
- daily
RSL Member Investment Plus: eligibility, conditions and features
- Eligibility
- Exclusively for RSL Sub Branches and their members; minimum age: 18; residency: Individuals must be citizens or permanent residents of Australia.
- Conditions
- min balance 1000.00
- Features
- other — Members can set up a variety of notifications in Internet Banking; digital banking
- The bank’s description
- As part of our ongoing commitment to the Returned & Services League of Australia, Australian Military Bank is proud to offer Sub Branch members and their spouses an exclusive offer on our Term Deposits. Receiving bonus interest on your investment, you can be sure that Australian Military Bank’s Ter…
- 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 · 34 terms
3mo 4.30% today
26 Aug 202610 Oct 2026
4mo 4.30% today
26 Aug 202610 Oct 2026
6mo 4.00% today
26 Aug 202610 Oct 2026
1yr 3.60% today
26 Aug 202610 Oct 2026
2yr 3.55% today
26 Aug 202610 Oct 2026
3yr 3.20% today
26 Aug 202610 Oct 2026
All 34 terms — the other 28
5mo 4.30% today
26 Aug 202610 Oct 2026
7mo 4.70% today
26 Aug 202610 Oct 2026
8mo 4.30% today
26 Aug 202610 Oct 2026
9mo 4.30% today
26 Aug 202610 Oct 2026
10mo 4.00% today
26 Aug 202610 Oct 2026
11mo 4.00% today
26 Aug 202610 Oct 2026
13mo 3.55% today
26 Aug 202610 Oct 2026
14mo 3.55% today
26 Aug 202610 Oct 2026
15mo 3.55% today
26 Aug 202610 Oct 2026
16mo 3.55% today
26 Aug 202610 Oct 2026
17mo 3.55% today
26 Aug 202610 Oct 2026
18mo 3.55% today
26 Aug 202610 Oct 2026
19mo 3.55% today
26 Aug 202610 Oct 2026
20mo 3.55% today
26 Aug 202610 Oct 2026
21mo 3.55% today
26 Aug 202610 Oct 2026
22mo 3.55% today
26 Aug 202610 Oct 2026
23mo 3.55% today
26 Aug 202610 Oct 2026
25mo 3.20% today
26 Aug 202610 Oct 2026
26mo 3.20% today
26 Aug 202610 Oct 2026
27mo 3.20% today
26 Aug 202610 Oct 2026
28mo 3.20% today
26 Aug 202610 Oct 2026
29mo 3.20% today
26 Aug 202610 Oct 2026
30mo 3.20% today
26 Aug 202610 Oct 2026
31mo 3.20% today
26 Aug 202610 Oct 2026
32mo 3.20% today
26 Aug 202610 Oct 2026
33mo 3.20% today
26 Aug 202610 Oct 2026
34mo 3.20% today
26 Aug 202610 Oct 2026
35mo 3.20% today
26 Aug 202610 Oct 2026
Each line is the best retail rate RSL Money 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 RSL Money sitsagainst the 77 banks ranked today
1yr: 72 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 66 more on the leaderboard
6mo: 55 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 49 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 |
| RSL Money | 4.70% | 7mo | 4.00% | 3.60% | #73 |
Timeline0 rate changes since 26 Aug 2026 · ▲0 ▼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. | |
Questions about these rates
What is RSL Money’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate RSL Money publishes in its Consumer Data Right feed is 4.70% for 7 months (RSL Member Income Plus). That is #73 of the 77 Australian banks ranked by best rate today.
What is RSL Money’s 12-month term deposit rate?
3.60% as read on 10 Oct 2026, 1.65 points below the market median of 5.25%, and joint #73 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 RSL Money?
The lowest minimum RSL Money states in its feed is $1,000 (RSL Member Income Plus, 3-month). Check the product disclosure statement for balance tiers.
When did RSL Money last change a term deposit rate?
We have not read a change to any of RSL Money’s published retail term deposit rates since we first read its feed on 26 Aug 2026. Days on which we read no rate are not counted as unchanged.
Are deposits with RSL Money guaranteed?
RSL Money 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 RSL Money 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 RSL Money” below; rates are as read on 10 Oct 2026.
About RSL Money
- Type
- Customer-owned bank (mutual)
- Part of
- Australian Military Bank
- Website
- www.rslmoney.com.au
- Consumer Data Right feed
- https://public.open.rslmoney.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 RSL Money 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
RSL Money 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.