3-month term deposit rates
68 banks publish a 3-month rate today, ranked highest first. Read from each bank’s own Consumer Data Right feed on 10 Oct 2026.
3-month at a glance
3-month rates, every bank68 banks · $10,000 deposit for the earnings column · 10 Oct 2026
| Bank | Rate | Last change | Min. deposit | Est. earnings |
|---|---|---|---|---|
| RACQ BankTerm Deposit | 5.25% | — | $1,000 | $131.25 |
 Bank AustraliaTerm Deposit 3 months | 5.10% | ▲ +0.05 23 Sep | $500 | $127.50 |
 DnisterTerm Deposit - 3 Months | 5.10% | ▲ +0.30 8 Oct | $1,000 | $127.50 |
 Great Southern BankStandard Rate Term Deposit 1-12 months | 5.10% | ▲ +0.20 8 Oct | $5,000 | $127.50 |
 Qudos BankTerm Deposits | 5.10% | ▲ +0.05 23 Sep | $500 | $127.50 |
| Unity BankTerm Deposit | 5.10% | ▲ +0.15 8 Oct | $1,000 | $127.50 |
| ING BANK (Australia) LtdPersonal Term Deposits | 5.05% | — | $10,000 | $126.25 |
 Macquarie Bank LimitedMacquarie Term Deposit | 5.05% | ▲ +0.05 2 Sep | $5,000 | $126.25 |
 Suncorp BankTerm Deposit | 5.05% | ▲ +0.05 2 Oct | $5,000 | $126.25 |
| Arab Bank Australia LimitedFixed Term Deposit - Personal | 5.00% | — | $10,000 | $125.00 |
 Australian Mutual Bank LTDTerm Deposit for Edvest Members | 5.00% | ▲ +0.15 8 Oct | $1,000 | $125.00 |
 BankwestBankwest Term Deposit | 5.00% | ▲ +0.20 10 Oct | $1,000 | $125.00 |
 BOQ SpecialistTerm Deposit | 5.00% | ▲ +0.20 23 Sep | $1,000 | $125.00 |
 Firefighters Mutual BankTerm Deposit for Edvest Members | 5.00% | ▲ +0.15 8 Oct | $1,000 | $125.00 |
 Health Professionals BankTerm Deposit for Edvest Members | 5.00% | ▲ +0.15 8 Oct | $1,000 | $125.00 |
 ME Bank - ME GoME Go Term Deposit | 5.00% | — | $5,000 | $125.00 |
 MyState BankAMM - Regular Term Deposit | 5.00% | — | $5,000 | $125.00 |
 QBANKTerm Deposit 3 Month | 5.00% | ▲ +0.10 8 Oct | $250,000 | $125.00 |
| RabobankOnline Term Deposit | 5.00% | ▲ +0.15 16 Sep | $500,001 | $125.00 |
 Southern Cross Credit UnionTERM DEPOSIT | 5.00% | — | $5,000 | $125.00 |
 Teachers Mutual BankTerm Deposit for Edvest Members | 5.00% | ▲ +0.15 8 Oct | $1,000 | $125.00 |
 UniBankTerm Deposit for Edvest Members | 5.00% | ▲ +0.15 8 Oct | $1,000 | $125.00 |
| Auswide Bank LtdMATURITY TERM DEPOSIT | 4.95% | ▲ +0.20 16 Sep | $500 | $123.75 |
 Bank First90 Day Term Deposit | 4.95% | ▲ +0.05 18 Sep | $500 | $123.75 |
 Bank of Queensland LimitedmyBOQ Term Deposit | 4.95% | — | $5,000 | $123.75 |
| BNK Bank (Goldfields Money/BCHL)Stow It Term Deposit Account | 4.95% | — | $5,000 | $123.75 |
 CommFCUTERM DEPOSITS - 3 TO 5 MONTHS INTEREST ON MATURITY | 4.95% | — | $100,000 | $123.75 |
 HeartlandTerm Deposit | 4.95% | — | $5,000 | $123.75 |
| Alex.BankTerm Deposit - Intermediary | 4.90% | ▼ −0.10 9 Oct | $10,000 | $122.50 |
 IMB BankTerm Deposit | 4.90% | ▼ −0.10 2 Oct | $5,000 | $122.50 |
 Judo BankPersonal Term Deposits | 4.90% | ▼ −0.05 2 Sep | $1,000 | $122.50 |
| Maitland Mutual LimitedTerm Deposit | 4.90% | ▲ +0.20 2 Oct | $500,000 | $122.50 |
 Bank of usFIXED TERM INVESTMENT | 4.75% | — | $5,000 | $118.75 |
 Horizon BankTerm Deposit | 4.60% | ▲ +0.20 7 Oct | $1,000 | $115.00 |
 BankVicTerm Deposit 3 Months | 4.50% | — | $5,000 | $112.50 |
 bankWAWLimited Offer 3 months | 4.50% | — | $1,000 | $112.50 |
 Coastline BankI20 Term Deposit 3 Mths | 4.50% | — | $50,000 | $112.50 |
| Greater BankTerm Investment - Interest @ Maturity | 4.50% | — | $5,000 | $112.50 |
 Defence BankTerm Deposit 3 months | 4.35% | — | $1,000 | $108.75 |
| Fire Service Credit UnionI3 FTD 3 Months | 4.35% | — | $25,000 | $108.75 |
 Australian Military BankTeen Plus | 4.30% | — | $500 | $107.50 |
 Beyond Bank AustraliaINV - 3 Mth Capitalise | 4.30% | — | $200,000 | $107.50 |
 Border BankTerm Deposit | 4.30% | — | $1,000 | $107.50 |
 Police BankTerm Deposit | 4.30% | — | $1,000 | $107.50 |
 RSL MoneyRSL Member Income Plus | 4.30% | — | $1,000 | $107.50 |
 The CapricornianTerm Deposit | 4.30% | ▲ +0.20 7 Oct | $5,000 | $107.50 |
 Police Credit Union LtdADELAIDE TERM DEPOSIT | 4.15% | — | $50,000 | $103.75 |
 BCU Bank3 Month Term Deposit | 4.00% | — | $1,000 | $100.00 |
 People First and Heritage BankTerm Deposit | 4.00% | — | $1,000 | $100.00 |
 P&N Bank& Retirement Term Deposit | 3.85% | — | $5,000 | $96.25 |
| Geelong BankThree Month Term Deposit | 3.60% | — | $500 | $90.00 |
 Queensland Country BankFTD - Interest Monthly | 3.60% | — | $1,000 | $90.00 |
 Central Murray BankTERM DEPOSIT 3 MONTHS | 3.50% | ▲ +0.25 10 Oct | $500 | $87.50 |
| Summerland BankFixed Term Deposit | 3.50% | — | $1,000 | $87.50 |
 The MacTERM SAVINGS I4 | 3.50% | — | $5,000 | $87.50 |
 ANZANZ Advance Notice Term Deposit | 3.35% | — | $5,000 | $83.75 |
| CommBankStandard Term Deposittailored | 3.35% | — | $50,000 | $83.75 |
| NATIONAL AUSTRALIA BANKNAB Term Deposit | 3.35% | — | $5,000 | $83.75 |
 SWSbank3 Month Term Deposit | 3.35% | — | $500 | $83.75 |
 Bank of MelbourneTerm Deposit | 3.25% | — | $1,000 | $81.25 |
 BankSATerm Deposit | 3.25% | — | $1,000 | $81.25 |
 Broken Hill BankFTD - 2 to 5 Months | 3.25% | — | $5,000 | $81.25 |
 Northern Inland Credit Union Limited3 MONTHS Term Deposit with interest paid at maturity/annually | 3.25% | — | $1,000 | $81.25 |
 St.George BankTerm Deposit | 3.25% | — | $1,000 | $81.25 |
 WestpacTerm Deposit | 3.25% | — | $5,000 | $81.25 |
| Credit Union SATerm Deposit | 3.00% | — | $1,000 | $75.00 |
 Bendigo BankStandard Term Deposit | 2.75% | — | $5,000 | $68.75 |
 ORANGE CREDIT UNION LTD3MTH FIXED TERM DEPOSIT | 1.00% | — | $1,000 | $25.00 |
 AMP Bank GOno 3mo term | — | — | — | — |
 Cairns bankno 3mo term | — | — | — | — |
 Central West CULno 3mo term | — | — | — | — |
 First Option Bankno 3mo term | — | — | — | — |
 gmcuno 3mo term | — | — | — | — |
 Laboratories Credit Unionno 3mo term | — | — | — | — |
 Newcastle Permanentno 3mo term | — | — | — | — |
 TMCUno 3mo term | — | — | — | — |
| Woolworths Team Bankno 3mo term | — | — | — | — |
Est. earnings assume $10,000 held for the full 3 months at the rate shown, with simple interest paid at maturity ($10,000 × rate × 3/12). 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.
3-month 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 3-month rate we read that day. A break is a day no bank’s 3-month rate could be read.
3-month rate changes28 since 26 Aug 2026
| Date | Bank | Term | From → to | Δ |
|---|---|---|---|---|
| 10 Oct 2026 | Central Murray Bank | 3mo | 3.25 → 3.50 | ▲ +0.25 |
| 10 Oct 2026 | Bankwest | 3mo | 4.80 → 5.00 | ▲ +0.20 |
| 9 Oct 2026 | Alex Bank | 3mo | 5.00 → 4.90 | ▼ −0.10 |
| 8 Oct 2026 | Dnister Bank | 3mo | 4.80 → 5.10 | ▲ +0.30 |
| 8 Oct 2026 | Great Southern Bank | 3mo | 4.90 → 5.10 | ▲ +0.20 |
| 8 Oct 2026 | Australian Mutual Bank | 3mo | 4.85 → 5.00 | ▲ +0.15 |
| 8 Oct 2026 | Firefighters Mutual Bank | 3mo | 4.85 → 5.00 | ▲ +0.15 |
| 8 Oct 2026 | Health Professionals Bank | 3mo | 4.85 → 5.00 | ▲ +0.15 |
| 8 Oct 2026 | Teachers Mutual Bank | 3mo | 4.85 → 5.00 | ▲ +0.15 |
| 8 Oct 2026 | UniBank | 3mo | 4.85 → 5.00 | ▲ +0.15 |
| 8 Oct 2026 | Unity Bank | 3mo | 4.95 → 5.10 | ▲ +0.15 |
| 8 Oct 2026 | QBANK | 3mo | 4.90 → 5.00 | ▲ +0.10 |
| 7 Oct 2026 | Horizon Bank | 3mo | 4.40 → 4.60 | ▲ +0.20 |
| 7 Oct 2026 | The Capricornian | 3mo | 4.10 → 4.30 | ▲ +0.20 |
| 2 Oct 2026 | The Mutual Bank | 3mo | 4.70 → 4.90 | ▲ +0.20 |
| 2 Oct 2026 | IMB Bank | 3mo | 5.00 → 4.90 | ▼ −0.10 |
| 2 Oct 2026 | Suncorp Bank | 3mo | 5.00 → 5.05 | ▲ +0.05 |
| 23 Sep 2026 | BOQ Specialist | 3mo | 4.80 → 5.00 | ▲ +0.20 |
| 23 Sep 2026 | Bank Australia | 3mo | 5.05 → 5.10 | ▲ +0.05 |
| 23 Sep 2026 | Qudos Bank | 3mo | 5.05 → 5.10 | ▲ +0.05 |
| 18 Sep 2026 | Alex Bank | 3mo | 5.15 → 5.00 | ▼ −0.15 |
| 18 Sep 2026 | Bank First | 3mo | 4.90 → 4.95 | ▲ +0.05 |
| 16 Sep 2026 | Auswide Bank | 3mo | 4.75 → 4.95 | ▲ +0.20 |
| 16 Sep 2026 | Rabobank | 3mo | 4.85 → 5.00 | ▲ +0.15 |
| 15 Sep 2026 | Alex Bank | 3mo | 4.80 → 5.15 | ▲ +0.35 |
| 2 Sep 2026 | Judo Bank | 3mo | 4.95 → 4.90 | ▼ −0.05 |
| 2 Sep 2026 | Macquarie Bank | 3mo | 5.00 → 5.05 | ▲ +0.05 |
| 28 Aug 2026 | Great Southern Bank | 3mo | 5.00 → 4.90 | ▼ −0.10 |
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.