3-year term deposit rates
51 banks publish a 3-year rate today, ranked highest first. Read from each bank’s own Consumer Data Right feed on 10 Oct 2026.
3-year at a glance
3-year rates, every bank51 banks · $10,000 deposit for the earnings column · 10 Oct 2026
| Bank | Rate | Last change | Min. deposit | Est. earnings |
|---|---|---|---|---|
 Judo BankPersonal Term Deposits | 5.45% | ▲ +0.05 17 Sep | $1,000 | $1,635.00 |
 Bank AustraliaTerm Deposit 36 months | 5.40% | ▲ +0.40 23 Sep | $500 | $1,620.00 |
 Qudos BankTerm Deposits | 5.40% | ▲ +0.40 23 Sep | $500 | $1,620.00 |
 People First and Heritage BankTerm Deposit | 5.25% | ▲ +0.50 23 Sep | $1,000 | $1,575.00 |
| RabobankOnline Term Deposit | 5.20% | ▲ +0.30 16 Sep | $500,001 | $1,560.00 |
| Unity BankTerm Deposit | 5.20% | ▲ +0.35 8 Oct | $1,000 | $1,560.00 |
 HeartlandTerm Deposit | 5.15% | ▲ +0.10 1 Oct | $5,000 | $1,545.00 |
| Alex.BankTerm Deposit - Intermediary | 5.10% | ▲ +0.10 1 Oct | $10,000 | $1,530.00 |
 Great Southern BankPlatinum Plus Term Deposit 13-60 Months | 5.10% | ▼ −0.15 28 Aug | $5,000 | $1,530.00 |
 BankVicTerm Deposit 36 Months | 5.00% | — | $5,000 | $1,500.00 |
 BankwestBankwest Term Deposit | 5.00% | — | $1,000 | $1,500.00 |
 Suncorp BankTerm Deposit | 5.00% | — | $5,000 | $1,500.00 |
 Broken Hill BankFTD - 30 to 36 months | 4.95% | — | $5,000 | $1,485.00 |
 Police Credit Union LtdADELAIDE TERM DEPOSIT | 4.90% | — | $50,000 | $1,470.00 |
 Cairns bankTerm deposits 3mths under $500,000 | 4.75% | — | $1,000 | $1,425.00 |
 CommFCUTERM DEPOSITS - 36 MONTHS INTEREST ON MATURITY | 4.75% | — | $5,000 | $1,425.00 |
 ANZANZ Advance Notice Term Deposit | 4.60% | — | $5,000 | $1,380.00 |
| CommBankStandard Term Deposittailored | 4.60% | — | $50,000 | $1,380.00 |
 Laboratories Credit UnionFixed Term Deposit | 4.60% | — | $500 | $1,380.00 |
 Horizon BankTerm Deposit | 4.50% | — | $1,000 | $1,350.00 |
 IMB BankTerm Deposit | 4.50% | — | $5,000 | $1,350.00 |
| Maitland Mutual LimitedTerm Deposit | 4.50% | ▲ +0.50 2 Oct | $1,000 | $1,350.00 |
 Queensland Country BankFTD - Interest Annually | 4.50% | — | $1,000 | $1,350.00 |
 Australian Mutual Bank LTDTerm Deposit for Edvest Members | 4.30% | ▲ +0.25 8 Oct | $1,000 | $1,290.00 |
 Firefighters Mutual BankTerm Deposit for Edvest Members | 4.30% | ▲ +0.25 8 Oct | $1,000 | $1,290.00 |
 Health Professionals BankTerm Deposit for Edvest Members | 4.30% | ▲ +0.25 8 Oct | $1,000 | $1,290.00 |
 Teachers Mutual BankTerm Deposit for Edvest Members | 4.30% | ▲ +0.25 8 Oct | $1,000 | $1,290.00 |
 UniBankTerm Deposit for Edvest Members | 4.30% | ▲ +0.25 8 Oct | $1,000 | $1,290.00 |
| Auswide Bank Ltd12 MONTHLY INT TERM DEP | 4.25% | ▲ +1.00 10 Sep | $500 | $1,275.00 |
 MyState BankRegular Term Deposit | 4.25% | — | $5,000 | $1,275.00 |
 QBANKTerm Deposit 36 Month | 4.25% | ▲ +0.10 8 Oct | $250,000 | $1,275.00 |
 Bank of usFIXED TERM INVESTMENT | 4.20% | — | $5,000 | $1,260.00 |
 Border BankTerm Deposit | 4.20% | — | $10,000 | $1,260.00 |
 Police BankTerm Deposit | 4.20% | — | $10,000 | $1,260.00 |
| Summerland BankFixed Term Deposit | 4.20% | — | $1,000 | $1,260.00 |
 Bank of MelbourneTerm Deposit | 4.00% | — | $1,000 | $1,200.00 |
 BankSATerm Deposit | 4.00% | — | $1,000 | $1,200.00 |
 St.George BankTerm Deposit | 4.00% | — | $1,000 | $1,200.00 |
| NATIONAL AUSTRALIA BANKNAB Term Deposit | 3.80% | — | $5,000 | $1,140.00 |
 Newcastle PermanentTerm Deposit | 3.75% | — | $1,000 | $1,125.00 |
 Beyond Bank AustraliaINV - 36 Mth Trf 12 Mthly | 3.65% | — | $50,000 | $1,095.00 |
 BOQ SpecialistTerm Deposit | 3.50% | — | $1,000 | $1,050.00 |
 BCU Bank36 Month Term Deposit - Yearly | 3.35% | — | $1,000 | $1,005.00 |
| Arab Bank Australia LimitedFixed Term Deposit - Personal | 3.30% | — | $10,000 | $990.00 |
| RACQ BankTerm Deposit | 3.30% | — | $1,000 | $990.00 |
 Australian Military BankTeen Plus | 3.20% | — | $500 | $960.00 |
 RSL MoneyRSL Member Investment Plus | 3.20% | — | $1,000 | $960.00 |
 Bendigo BankStandard Term Deposit | 3.00% | — | $5,000 | $900.00 |
| Credit Union SATerm Deposit | 2.90% | — | $1,000 | $870.00 |
 Bank of Queensland LimitedPremier Investment Term Deposit | 2.00% | — | $5,000 | $600.00 |
 Macquarie Bank LimitedMacquarie Term Deposit | 2.00% | — | $5,000 | $600.00 |
 AMP Bank GOno 3yr term | — | — | — | — |
 Bank Firstno 3yr term | — | — | — | — |
 bankWAWno 3yr term | — | — | — | — |
| BNK Bank (Goldfields Money/BCHL)no 3yr term | — | — | — | — |
 Central Murray Bankno 3yr term | — | — | — | — |
 Central West CULno 3yr term | — | — | — | — |
 Coastline Bankno 3yr term | — | — | — | — |
 Defence Bankno 3yr term | — | — | — | — |
 Dnisterno 3yr term | — | — | — | — |
| Fire Service Credit Unionno 3yr term | — | — | — | — |
 First Option Bankno 3yr term | — | — | — | — |
| Geelong Bankno 3yr term | — | — | — | — |
 gmcuno 3yr term | — | — | — | — |
| Greater Bankno 3yr term | — | — | — | — |
| ING BANK (Australia) Ltdno 3yr term | — | — | — | — |
 ME Bank - ME Gono 3yr term | — | — | — | — |
 Northern Inland Credit Union Limitedno 3yr term | — | — | — | — |
 ORANGE CREDIT UNION LTDno 3yr term | — | — | — | — |
 P&N Bankno 3yr term | — | — | — | — |
 Southern Cross Credit Unionno 3yr term | — | — | — | — |
 SWSbankno 3yr term | — | — | — | — |
 The Capricornianno 3yr term | — | — | — | — |
 The Macno 3yr term | — | — | — | — |
 TMCUno 3yr term | — | — | — | — |
 Westpacno 3yr term | — | — | — | — |
| Woolworths Team Bankno 3yr term | — | — | — | — |
Est. earnings assume $10,000 held for the full 36 months at the rate shown, with simple interest paid at maturity ($10,000 × rate × 36/12). 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-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 3-year rate we read that day. A break is a day no bank’s 3-year rate could be read.
3-year rate changes18 since 26 Aug 2026
| Date | Bank | Term | From → to | Δ |
|---|---|---|---|---|
| 8 Oct 2026 | Unity Bank | 3yr | 4.85 → 5.20 | ▲ +0.35 |
| 8 Oct 2026 | Australian Mutual Bank | 3yr | 4.05 → 4.30 | ▲ +0.25 |
| 8 Oct 2026 | Firefighters Mutual Bank | 3yr | 4.05 → 4.30 | ▲ +0.25 |
| 8 Oct 2026 | Health Professionals Bank | 3yr | 4.05 → 4.30 | ▲ +0.25 |
| 8 Oct 2026 | Teachers Mutual Bank | 3yr | 4.05 → 4.30 | ▲ +0.25 |
| 8 Oct 2026 | UniBank | 3yr | 4.05 → 4.30 | ▲ +0.25 |
| 8 Oct 2026 | QBANK | 3yr | 4.15 → 4.25 | ▲ +0.10 |
| 2 Oct 2026 | The Mutual Bank | 3yr | 4.00 → 4.50 | ▲ +0.50 |
| 1 Oct 2026 | Alex Bank | 3yr | 5.00 → 5.10 | ▲ +0.10 |
| 1 Oct 2026 | Heartland Bank | 3yr | 5.05 → 5.15 | ▲ +0.10 |
| 23 Sep 2026 | People First Bank | 3yr | 4.75 → 5.25 | ▲ +0.50 |
| 23 Sep 2026 | Bank Australia | 3yr | 5.00 → 5.40 | ▲ +0.40 |
| 23 Sep 2026 | Qudos Bank | 3yr | 5.00 → 5.40 | ▲ +0.40 |
| 17 Sep 2026 | Judo Bank | 3yr | 5.40 → 5.45 | ▲ +0.05 |
| 16 Sep 2026 | Rabobank | 3yr | 4.90 → 5.20 | ▲ +0.30 |
| 10 Sep 2026 | Auswide Bank | 3yr | 3.25 → 4.25 | ▲ +1.00 |
| 28 Aug 2026 | Alex Bank | 3yr | 5.20 → 5.00 | ▼ −0.20 |
| 28 Aug 2026 | Great Southern Bank | 3yr | 5.25 → 5.10 | ▼ −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.