5-year term deposit rates
31 banks publish a 5-year rate today, ranked highest first. Read from each bank’s own Consumer Data Right feed on 10 Oct 2026.
5-year at a glance
5-year rates, every bank31 banks · $10,000 deposit for the earnings column · 10 Oct 2026
| Bank | Rate | Last change | Min. deposit | Est. earnings |
|---|---|---|---|---|
 Judo BankPersonal Term Deposits | 5.50% | — | $1,000 | $2,750.00 |
 Great Southern BankPlatinum Plus Term Deposit 13-60 Months | 5.45% | ▲ +0.20 8 Oct | $5,000 | $2,725.00 |
 HeartlandTerm Deposit | 5.35% | ▲ +0.20 1 Oct | $5,000 | $2,675.00 |
| RabobankOnline Term Deposit | 5.35% | ▲ +0.15 16 Sep | $500,001 | $2,675.00 |
| Alex.BankTerm Deposit - Intermediary | 5.30% | ▼ −0.10 9 Oct | $10,000 | $2,650.00 |
 People First and Heritage BankTerm Deposit | 5.25% | ▲ +0.50 23 Sep | $1,000 | $2,625.00 |
| Unity BankTerm Deposit | 5.20% | ▲ +0.95 8 Oct | $1,000 | $2,600.00 |
 BankwestBankwest Term Deposit | 5.00% | — | $1,000 | $2,500.00 |
 Suncorp BankTerm Deposit | 5.00% | — | $5,000 | $2,500.00 |
 QBANKTerm Deposit 60 Month | 4.25% | ▲ +0.10 8 Oct | $250,000 | $2,125.00 |
 BankVicTerm Deposit 60 Months | 4.20% | — | $5,000 | $2,100.00 |
 Border BankTerm Deposit | 4.20% | — | $10,000 | $2,100.00 |
 Police BankTerm Deposit | 4.20% | — | $10,000 | $2,100.00 |
 Bank of MelbourneTerm Deposit | 4.00% | — | $1,000 | $2,000.00 |
 BankSATerm Deposit | 4.00% | — | $1,000 | $2,000.00 |
| CommBankStandard Term Deposittailored | 4.00% | ▲ +0.10 16 Sep | $50,000 | $2,000.00 |
 IMB BankTerm Deposit | 4.00% | — | $5,000 | $2,000.00 |
 St.George BankTerm Deposit | 4.00% | — | $1,000 | $2,000.00 |
 WestpacTerm Deposit | 4.00% | — | $5,000 | $2,000.00 |
| NATIONAL AUSTRALIA BANKNAB Term Deposit | 3.80% | — | $5,000 | $1,900.00 |
| Summerland BankFixed Term Deposit | 3.65% | — | $1,000 | $1,825.00 |
| Greater BankTerm Investment - Interest 6 Monthly | 3.55% | — | $5,000 | $1,775.00 |
 Newcastle PermanentTerm Deposit | 3.55% | — | $1,000 | $1,775.00 |
 BOQ SpecialistTerm Deposit | 3.50% | — | $1,000 | $1,750.00 |
 P&N BankTD 36-60 Mth (Mth Int) | 3.35% | — | $5,000 | $1,675.00 |
| RACQ BankTerm Deposit | 3.30% | — | $1,000 | $1,650.00 |
| Auswide Bank LtdMATURITY TERM DEPOSIT | 3.25% | — | $500 | $1,625.00 |
| Arab Bank Australia LimitedFixed Term Deposit - Personal | 3.20% | — | $10,000 | $1,600.00 |
 Bendigo BankStandard Term Deposit | 3.00% | — | $5,000 | $1,500.00 |
| Credit Union SATerm Deposit | 2.90% | — | $1,000 | $1,450.00 |
 Macquarie Bank LimitedMacquarie Term Deposit | 2.00% | — | $5,000 | $1,000.00 |
 AMP Bank GOno 5yr term | — | — | — | — |
 ANZno 5yr term | — | — | — | — |
 Australian Military Bankno 5yr term | — | — | — | — |
 Australian Mutual Bank LTDno 5yr term | — | — | — | — |
 Bank Australiano 5yr term | — | — | — | — |
 Bank Firstno 5yr term | — | — | — | — |
 Bank of Queensland Limitedno 5yr term | — | — | — | — |
 Bank of usno 5yr term | — | — | — | — |
 bankWAWno 5yr term | — | — | — | — |
 BCU Bankno 5yr term | — | — | — | — |
 Beyond Bank Australiano 5yr term | — | — | — | — |
| BNK Bank (Goldfields Money/BCHL)no 5yr term | — | — | — | — |
 Broken Hill Bankno 5yr term | — | — | — | — |
 Cairns bankno 5yr term | — | — | — | — |
 Central Murray Bankno 5yr term | — | — | — | — |
 Central West CULno 5yr term | — | — | — | — |
 Coastline Bankno 5yr term | — | — | — | — |
 CommFCUno 5yr term | — | — | — | — |
 Defence Bankno 5yr term | — | — | — | — |
 Dnisterno 5yr term | — | — | — | — |
| Fire Service Credit Unionno 5yr term | — | — | — | — |
 Firefighters Mutual Bankno 5yr term | — | — | — | — |
 First Option Bankno 5yr term | — | — | — | — |
| Geelong Bankno 5yr term | — | — | — | — |
 gmcuno 5yr term | — | — | — | — |
 Health Professionals Bankno 5yr term | — | — | — | — |
 Horizon Bankno 5yr term | — | — | — | — |
| ING BANK (Australia) Ltdno 5yr term | — | — | — | — |
 Laboratories Credit Unionno 5yr term | — | — | — | — |
| Maitland Mutual Limitedno 5yr term | — | — | — | — |
 ME Bank - ME Gono 5yr term | — | — | — | — |
 MyState Bankno 5yr term | — | — | — | — |
 Northern Inland Credit Union Limitedno 5yr term | — | — | — | — |
 ORANGE CREDIT UNION LTDno 5yr term | — | — | — | — |
 Police Credit Union Ltdno 5yr term | — | — | — | — |
 Qudos Bankno 5yr term | — | — | — | — |
 Queensland Country Bankno 5yr term | — | — | — | — |
 RSL Moneyno 5yr term | — | — | — | — |
 Southern Cross Credit Unionno 5yr term | — | — | — | — |
 SWSbankno 5yr term | — | — | — | — |
 Teachers Mutual Bankno 5yr term | — | — | — | — |
 The Capricornianno 5yr term | — | — | — | — |
 The Macno 5yr term | — | — | — | — |
 TMCUno 5yr term | — | — | — | — |
 UniBankno 5yr term | — | — | — | — |
| Woolworths Team Bankno 5yr term | — | — | — | — |
Est. earnings assume $10,000 held for the full 60 months at the rate shown, with simple interest paid at maturity ($10,000 × rate × 60/12). 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.
5-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 5-year rate we read that day. A break is a day no bank’s 5-year rate could be read.
5-year rate changes11 since 26 Aug 2026
| Date | Bank | Term | From → to | Δ |
|---|---|---|---|---|
| 9 Oct 2026 | Alex Bank | 5yr | 5.40 → 5.30 | ▼ −0.10 |
| 8 Oct 2026 | Unity Bank | 5yr | 4.25 → 5.20 | ▲ +0.95 |
| 8 Oct 2026 | Great Southern Bank | 5yr | 5.25 → 5.45 | ▲ +0.20 |
| 8 Oct 2026 | QBANK | 5yr | 4.15 → 4.25 | ▲ +0.10 |
| 1 Oct 2026 | Heartland Bank | 5yr | 5.15 → 5.35 | ▲ +0.20 |
| 1 Oct 2026 | Alex Bank | 5yr | 5.30 → 5.40 | ▲ +0.10 |
| 23 Sep 2026 | People First Bank | 5yr | 4.75 → 5.25 | ▲ +0.50 |
| 16 Sep 2026 | Rabobank | 5yr | 5.20 → 5.35 | ▲ +0.15 |
| 16 Sep 2026 | CommBank | 5yr | 3.90 → 4.00 | ▲ +0.10 |
| 28 Aug 2026 | Alex Bank | 5yr | 5.40 → 5.30 | ▼ −0.10 |
| 28 Aug 2026 | Great Southern Bank | 5yr | 5.35 → 5.25 | ▼ −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.