1-year term deposit rates
75 banks publish a 1-year rate today, ranked highest first. Read from each bank’s own Consumer Data Right feed on 10 Oct 2026.
1-year at a glance
Market best5.60%CommFCU
Market median5.25%half the banks pay more, half less
Banks publishing75of 77 ranked today
Last 30 days▲54 ▼4rate changes at this term
1-year rates, every bank75 banks · $10,000 deposit for the earnings column · 10 Oct 2026
| Bank | Rate | Last change | Min. deposit | Est. earnings |
|---|---|---|---|---|
 CommFCU12 Month Term Deposit Special | 5.60% | — | $10,000 | $560.00 |
 DnisterTerm Deposit - 12 Months | 5.55% | ▲ +0.30 8 Oct | $1,000 | $555.00 |
 HeartlandBroker Term Deposit | 5.55% | ▲ +0.05 1 Oct | $10,000 | $555.00 |
| Alex.BankTerm Deposit - Intermediary | 5.50% | ▼ −0.05 9 Oct | $10,000 | $550.00 |
 Bank AustraliaTerm Deposit 12 months | 5.50% | ▲ +0.10 16 Sep | $500 | $550.00 |
 Bank First1 Year Term Deposit | 5.50% | ▲ +0.20 18 Sep | $501 | $550.00 |
 Qudos BankTerm Deposits | 5.50% | ▲ +0.10 16 Sep | $500 | $550.00 |
| Unity BankTerm Deposit | 5.50% | ▲ +0.20 8 Oct | $1,000 | $550.00 |
 Great Southern BankPlatinum Plus Term Deposit 12 months | 5.45% | ▲ +0.25 8 Oct | $5,000 | $545.00 |
 Judo BankPersonal Term Deposits | 5.45% | ▲ +0.10 17 Sep | $1,000 | $545.00 |
 QBANKTerm Deposit 12 Month | 5.45% | ▲ +0.10 8 Oct | $250,000 | $545.00 |
 AMP Bank GOAMP Bank GO 12 Month Term Deposit | 5.40% | ▲ +0.10 30 Sep | $5,000 | $540.00 |
 Australian Mutual Bank LTDTerm Deposit for Edvest Members | 5.40% | ▲ +0.10 8 Oct | $1,000 | $540.00 |
 Firefighters Mutual BankTerm Deposit for Edvest Members | 5.40% | ▲ +0.10 8 Oct | $1,000 | $540.00 |
 Health Professionals BankTerm Deposit for Edvest Members | 5.40% | ▲ +0.10 8 Oct | $1,000 | $540.00 |
 Suncorp BankTerm Deposit | 5.40% | ▲ +0.10 2 Oct | $5,000 | $540.00 |
 Teachers Mutual BankTerm Deposit for Edvest Members | 5.40% | ▲ +0.10 8 Oct | $1,000 | $540.00 |
 UniBankTerm Deposit for Edvest Members | 5.40% | ▲ +0.10 8 Oct | $1,000 | $540.00 |
 ME Bank - ME GoME Go Term Deposit | 5.37% | — | $5,000 | $537.00 |
 Macquarie Bank LimitedMacquarie Term Deposit | 5.35% | ▲ +0.05 16 Sep | $5,000 | $535.00 |
 ORANGE CREDIT UNION LTD12MTH FIXED TERM DEPOSIT WEALTH BUILDER | 5.35% | — | $50,000 | $535.00 |
| RACQ BankTerm Deposit | 5.35% | — | $1,000 | $535.00 |
 ANZANZ Advance Notice Term Deposit | 5.30% | ▲ +0.10 24 Sep | $5,000 | $530.00 |
 Bank of Queensland LimitedmyBOQ Term Deposit | 5.30% | — | $5,000 | $530.00 |
 BankwestBankwest Term Deposit | 5.30% | ▲ +0.10 10 Oct | $1,000 | $530.00 |
 BCU Bank12 Month Term Deposit | 5.30% | ▲ +0.30 7 Oct | $1,000 | $530.00 |
 BOQ SpecialistTerm Deposit | 5.30% | ▲ +0.10 23 Sep | $1,000 | $530.00 |
| CommBankStandard Term Deposittailored | 5.30% | ▲ +0.10 18 Sep | $5,000 | $530.00 |
| Geelong BankTwelve Month Term Deposit | 5.30% | ▲ +0.05 7 Oct | $500 | $530.00 |
| Greater BankTerm Investment - Interest @ Maturity | 5.30% | ▲ +0.05 28 Sep | $5,000 | $530.00 |
| ING BANK (Australia) LtdPersonal Term Deposits | 5.30% | — | $10,000 | $530.00 |
| Maitland Mutual LimitedTerm Deposit | 5.30% | ▲ +0.25 2 Oct | $1,000 | $530.00 |
 MyState BankAMM - Regular Term Deposit | 5.30% | — | $5,000 | $530.00 |
| NATIONAL AUSTRALIA BANKNAB Term Deposit | 5.30% | ▲ +0.10 22 Sep | $5,000 | $530.00 |
 P&N Bank12 Month Term Deposit | 5.30% | ▲ +0.30 7 Oct | $5,000 | $530.00 |
 Queensland Country BankFTD - Interest at Maturity | 5.30% | ▲ +0.05 8 Oct | $1,000 | $530.00 |
 Southern Cross Credit UnionTERM DEPOSIT | 5.30% | ▲ +0.30 23 Sep | $5,000 | $530.00 |
| Auswide Bank LtdMATURITY TERM DEPOSIT | 5.25% | ▲ +0.20 16 Sep | $500 | $525.00 |
| BNK Bank (Goldfields Money/BCHL)Stow It Term Deposit Account | 5.25% | — | $5,000 | $525.00 |
 Coastline BankI51 Gold Mbr Ftd 12 Mths | 5.25% | — | $50,000 | $525.00 |
 Police Credit Union LtdADELAIDE TERM DEPOSIT | 5.25% | — | $50,000 | $525.00 |
| RabobankOnline Term Deposit | 5.25% | ▲ +0.20 16 Sep | $500,001 | $525.00 |
| Summerland BankFixed Term Deposit | 5.25% | ▼ −0.05 4 Sep | $1,000 | $525.00 |
 Bank of MelbourneTerm Deposit | 5.20% | ▲ +0.10 22 Sep | $1,000 | $520.00 |
 Bank of usFIXED TERM INVESTMENT | 5.20% | — | $5,000 | $520.00 |
 BankSATerm Deposit | 5.20% | ▲ +0.10 22 Sep | $1,000 | $520.00 |
 bankWAWLimited Offer 12 months | 5.20% | — | $1,000 | $520.00 |
 Beyond Bank AustraliaINV - 12 Mth Capitalise | 5.20% | ▲ +0.15 29 Sep | $200,000 | $520.00 |
 Defence BankTerm Deposit 12 months | 5.20% | — | $1,000 | $520.00 |
 Newcastle PermanentTerm Deposit | 5.20% | ▲ +0.05 29 Sep | $1,000 | $520.00 |
 People First and Heritage BankTerm Deposit | 5.20% | — | $1,000 | $520.00 |
 St.George BankTerm Deposit | 5.20% | ▲ +0.10 22 Sep | $1,000 | $520.00 |
 The CapricornianTerm Deposit | 5.20% | ▲ +0.10 7 Oct | $5,000 | $520.00 |
 WestpacTerm Deposit | 5.20% | ▲ +0.10 22 Sep | $5,000 | $520.00 |
 First Option Bank12 Month Regular Income Term Deposit | 5.15% | — | $25,000 | $515.00 |
 gmcuFixed Term Deposit - 12 months | 5.15% | ▲ +0.25 6 Oct | $5,000 | $515.00 |
 IMB BankTerm Deposit | 5.15% | ▼ −0.10 2 Sep | $5,000 | $515.00 |
 Horizon BankTerm Deposit | 5.10% | ▲ +0.10 7 Oct | $1,000 | $510.00 |
 BankVicTerm Deposit 12 Months | 5.00% | — | $5,000 | $500.00 |
 Border BankTerm Deposit | 5.00% | — | $10,000 | $500.00 |
 Broken Hill BankFTD - 12 Months | 5.00% | — | $5,000 | $500.00 |
| Credit Union SATerm Deposit | 5.00% | ▼ −0.20 17 Sep | $1,000 | $500.00 |
 Police BankTerm Deposit | 5.00% | — | $10,000 | $500.00 |
 SWSbank12 Month Term Deposit | 5.00% | — | $500 | $500.00 |
 The MacMINI MAC TERM DEPOSIT | 5.00% | — | $500 | $500.00 |
 Bendigo BankStandard Term Deposit | 4.90% | ▼ −0.10 26 Sep | $5,000 | $490.00 |
 Laboratories Credit UnionMonthly Interest 12 Month Term Deposit | 4.90% | ▲ +0.25 2 Oct | $5,000 | $490.00 |
 Northern Inland Credit Union Limited12 MONTHS Term Deposit with interest paid at maturity/annually | 4.90% | — | $1,000 | $490.00 |
| Arab Bank Australia LimitedFixed Term Deposit - Personal | 4.50% | — | $10,000 | $450.00 |
 Central Murray BankTERM DEPOSIT 12 MONTHS | 4.50% | ▲ +0.25 10 Oct | $500 | $450.00 |
| Fire Service Credit UnionI12 FTD 12 Months | 4.05% | — | $5,000 | $405.00 |
| Woolworths Team Bank12 MONTHS | 4.00% | — | $2,000 | $400.00 |
 Australian Military BankTeen Plus | 3.60% | — | $500 | $360.00 |
 RSL MoneyRSL Member Income Plus | 3.60% | — | $1,000 | $360.00 |
 Central West CUL$5000+ (6m to <12m) I3 | 3.40% | — | $5,000 | $340.00 |
 Cairns bankno 1yr term | — | — | — | — |
 TMCUno 1yr term | — | — | — | — |
Est. earnings assume $10,000 held for the full 12 months at the rate shown, with simple interest paid at maturity ($10,000 × rate × 12/12). Interest paid monthly or quarterly, and any compounding, will differ; tax and fees are not deducted. Change is today's rate minus 9 Oct 2026's for the same term; Last change is the most recent repricing of that tier — how far it moved and the day the new rate took effect — not a day-over-day difference. A dotted minimum is the product’s stated opening balance, because the rate tier itself states none.
Earnings are simple interest at maturity on $10,000; change a deposit on the calculator. Each bank name opens its profile with every term and its history.
1-year market historyevery sweep day since 26 Aug 2026 · 46 days
Market best
26 Aug 202610 Oct 2026
Market median
26 Aug 202610 Oct 2026
The best and the median of every 1-year rate we read that day. A break is a day no bank’s 1-year rate could be read.
1-year rate changes70 since 26 Aug 2026
| Date | Bank | Term | From → to | Δ |
|---|---|---|---|---|
| 10 Oct 2026 | Central Murray Bank | 1yr | 4.25 → 4.50 | ▲ +0.25 |
| 10 Oct 2026 | Bankwest | 1yr | 5.20 → 5.30 | ▲ +0.10 |
| 9 Oct 2026 | Alex Bank | 1yr | 5.55 → 5.50 | ▼ −0.05 |
| 8 Oct 2026 | Dnister Bank | 1yr | 5.25 → 5.55 | ▲ +0.30 |
| 8 Oct 2026 | Great Southern Bank | 1yr | 5.20 → 5.45 | ▲ +0.25 |
| 8 Oct 2026 | Unity Bank | 1yr | 5.30 → 5.50 | ▲ +0.20 |
| 8 Oct 2026 | Australian Mutual Bank | 1yr | 5.30 → 5.40 | ▲ +0.10 |
| 8 Oct 2026 | Firefighters Mutual Bank | 1yr | 5.30 → 5.40 | ▲ +0.10 |
| 8 Oct 2026 | Health Professionals Bank | 1yr | 5.30 → 5.40 | ▲ +0.10 |
| 8 Oct 2026 | QBANK | 1yr | 5.35 → 5.45 | ▲ +0.10 |
| 8 Oct 2026 | Teachers Mutual Bank | 1yr | 5.30 → 5.40 | ▲ +0.10 |
| 8 Oct 2026 | UniBank | 1yr | 5.30 → 5.40 | ▲ +0.10 |
| 8 Oct 2026 | Queensland Country Bank | 1yr | 5.25 → 5.30 | ▲ +0.05 |
| 7 Oct 2026 | BCU Bank | 1yr | 5.00 → 5.30 | ▲ +0.30 |
| 7 Oct 2026 | P&N Bank | 1yr | 5.00 → 5.30 | ▲ +0.30 |
| 7 Oct 2026 | Horizon Bank | 1yr | 5.00 → 5.10 | ▲ +0.10 |
| 7 Oct 2026 | The Capricornian | 1yr | 5.10 → 5.20 | ▲ +0.10 |
| 7 Oct 2026 | Geelong Bank | 1yr | 5.25 → 5.30 | ▲ +0.05 |
| 6 Oct 2026 | GMCU | 1yr | 4.90 → 5.15 | ▲ +0.25 |
| 2 Oct 2026 | Laboratories Credit Union | 1yr | 4.65 → 4.90 | ▲ +0.25 |
| 2 Oct 2026 | The Mutual Bank | 1yr | 5.05 → 5.30 | ▲ +0.25 |
| 2 Oct 2026 | Suncorp Bank | 1yr | 5.30 → 5.40 | ▲ +0.10 |
| 1 Oct 2026 | Alex Bank | 1yr | 5.50 → 5.55 | ▲ +0.05 |
| 1 Oct 2026 | Heartland Bank | 1yr | 5.50 → 5.55 | ▲ +0.05 |
| 30 Sep 2026 | AMP Bank | 1yr | 5.30 → 5.40 | ▲ +0.10 |
| 29 Sep 2026 | Beyond Bank | 1yr | 5.05 → 5.20 | ▲ +0.15 |
| 29 Sep 2026 | Alex Bank | 1yr | 5.45 → 5.50 | ▲ +0.05 |
| 29 Sep 2026 | Newcastle Permanent | 1yr | 5.15 → 5.20 | ▲ +0.05 |
| 28 Sep 2026 | Greater Bank | 1yr | 5.25 → 5.30 | ▲ +0.05 |
| 26 Sep 2026 | Bendigo Bank | 1yr | 5.00 → 4.90 | ▼ −0.10 |
| 25 Sep 2026 | Alex Bank | 1yr | 5.40 → 5.45 | ▲ +0.05 |
| 24 Sep 2026 | ANZ | 1yr | 5.20 → 5.30 | ▲ +0.10 |
| 24 Sep 2026 | Heartland Bank | 1yr | 5.40 → 5.50 | ▲ +0.10 |
| 23 Sep 2026 | Southern Cross Credit Union | 1yr | 5.00 → 5.30 | ▲ +0.30 |
| 23 Sep 2026 | BOQ Specialist | 1yr | 5.20 → 5.30 | ▲ +0.10 |
| 22 Sep 2026 | Bank of Melbourne | 1yr | 5.10 → 5.20 | ▲ +0.10 |
| 22 Sep 2026 | BankSA | 1yr | 5.10 → 5.20 | ▲ +0.10 |
| 22 Sep 2026 | NAB | 1yr | 5.20 → 5.30 | ▲ +0.10 |
| 22 Sep 2026 | St.George | 1yr | 5.10 → 5.20 | ▲ +0.10 |
| 22 Sep 2026 | Westpac | 1yr | 5.10 → 5.20 | ▲ +0.10 |
| 22 Sep 2026 | Alex Bank | 1yr | 5.35 → 5.40 | ▲ +0.05 |
| 18 Sep 2026 | Bank First | 1yr | 5.30 → 5.50 | ▲ +0.20 |
| 18 Sep 2026 | CommBank | 1yr | 5.20 → 5.30 | ▲ +0.10 |
| 17 Sep 2026 | Credit Union SA | 1yr | 5.20 → 5.00 | ▼ −0.20 |
| 17 Sep 2026 | Judo Bank | 1yr | 5.35 → 5.45 | ▲ +0.10 |
| 17 Sep 2026 | ANZ | 1yr | 5.15 → 5.20 | ▲ +0.05 |
| 16 Sep 2026 | Auswide Bank | 1yr | 5.05 → 5.25 | ▲ +0.20 |
| 16 Sep 2026 | Rabobank | 1yr | 5.05 → 5.25 | ▲ +0.20 |
| 16 Sep 2026 | Bank Australia | 1yr | 5.40 → 5.50 | ▲ +0.10 |
| 16 Sep 2026 | Qudos Bank | 1yr | 5.40 → 5.50 | ▲ +0.10 |
| 16 Sep 2026 | Macquarie Bank | 1yr | 5.30 → 5.35 | ▲ +0.05 |
| 15 Sep 2026 | Alex Bank | 1yr | 5.20 → 5.35 | ▲ +0.15 |
| 15 Sep 2026 | NAB | 1yr | 5.15 → 5.20 | ▲ +0.05 |
| 12 Sep 2026 | Bank of Melbourne | 1yr | 5.05 → 5.10 | ▲ +0.05 |
| 12 Sep 2026 | BankSA | 1yr | 5.05 → 5.10 | ▲ +0.05 |
| 12 Sep 2026 | St.George | 1yr | 5.05 → 5.10 | ▲ +0.05 |
| 12 Sep 2026 | Westpac | 1yr | 5.05 → 5.10 | ▲ +0.05 |
| 11 Sep 2026 | Suncorp Bank | 1yr | 5.35 → 5.30 | ▼ −0.05 |
| 9 Sep 2026 | Qudos Bank | 1yr | 5.35 → 5.40 | ▲ +0.05 |
| 8 Sep 2026 | Alex Bank | 1yr | 5.25 → 5.20 | ▼ −0.05 |
| 4 Sep 2026 | Credit Union SA | 1yr | 5.25 → 5.20 | ▼ −0.05 |
| 4 Sep 2026 | Summerland Bank | 1yr | 5.30 → 5.25 | ▼ −0.05 |
| 2 Sep 2026 | Macquarie Bank | 1yr | 5.15 → 5.30 | ▲ +0.15 |
| 2 Sep 2026 | IMB Bank | 1yr | 5.25 → 5.15 | ▼ −0.10 |
| 2 Sep 2026 | Qudos Bank | 1yr | 5.25 → 5.35 | ▲ +0.10 |
| 29 Aug 2026 | Bank of Melbourne | 1yr | 5.10 → 5.05 | ▼ −0.05 |
| 29 Aug 2026 | BankSA | 1yr | 5.10 → 5.05 | ▼ −0.05 |
| 29 Aug 2026 | St.George | 1yr | 5.10 → 5.05 | ▼ −0.05 |
| 29 Aug 2026 | Westpac | 1yr | 5.10 → 5.05 | ▼ −0.05 |
| 28 Aug 2026 | Great Southern Bank | 1yr | 5.35 → 5.20 | ▼ −0.15 |
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.