6-month term deposit rates
73 banks publish a 6-month rate today, ranked highest first. Read from each bank’s own Consumer Data Right feed on 10 Oct 2026.
6-month at a glance
Market best5.45%Heartland & RACQ Bank
Market median5.00%half the banks pay more, half less
Banks publishing73of 77 ranked today
Last 30 days▲28 ▼4rate changes at this term
6-month rates, every bank73 banks · $10,000 deposit for the earnings column · 10 Oct 2026
| Bank | Rate | Last change | Min. deposit | Est. earnings |
|---|---|---|---|---|
 HeartlandTerm Deposit | 5.45% | ▲ +0.10 1 Oct | $5,000 | $272.50 |
| RACQ BankTerm Deposit | 5.45% | — | $1,000 | $272.50 |
| Unity BankTerm Deposit | 5.35% | ▲ +0.20 8 Oct | $1,000 | $267.50 |
 Bank AustraliaImpact Term Deposit 6 months | 5.30% | — | $500 | $265.00 |
 Bank First180 Day Term Deposit | 5.30% | ▲ +0.05 18 Sep | $500 | $265.00 |
 DnisterTerm Deposit - 6 Months | 5.30% | ▲ +0.30 8 Oct | $1,000 | $265.00 |
 QBANKTerm Deposit 6 Month | 5.30% | ▲ +0.10 8 Oct | $250,000 | $265.00 |
 Qudos BankTerm Deposits | 5.30% | ▲ +0.10 2 Sep | $500 | $265.00 |
 ME Bank - ME GoME Go Term Deposit | 5.25% | ▲ +0.05 23 Sep | $5,000 | $262.50 |
 Bank of Queensland LimitedmyBOQ Term Deposit | 5.20% | ▲ +0.05 23 Sep | $5,000 | $260.00 |
 BCU Bank6 Month Term Deposit | 5.20% | — | $1,000 | $260.00 |
| BNK Bank (Goldfields Money/BCHL)Stow It Term Deposit Account | 5.20% | — | $5,000 | $260.00 |
| Geelong BankSix Month term deposit | 5.20% | — | $500 | $260.00 |
| ING BANK (Australia) LtdPersonal Term Deposits | 5.20% | — | $10,000 | $260.00 |
 Macquarie Bank LimitedMacquarie Term Deposit | 5.20% | ▲ +0.05 16 Sep | $5,000 | $260.00 |
| Maitland Mutual LimitedTerm Deposit | 5.20% | ▲ +0.40 2 Oct | $1,000 | $260.00 |
 MyState BankAMM - Regular Term Deposit | 5.20% | — | $5,000 | $260.00 |
 P&N Bank6 Month Term Deposit | 5.20% | — | $5,000 | $260.00 |
 Southern Cross Credit UnionTERM DEPOSIT | 5.20% | ▲ +0.10 23 Sep | $5,000 | $260.00 |
 AMP Bank GOAMP Bank GO 6 Month Term Deposit | 5.15% | ▲ +0.10 30 Sep | $5,000 | $257.50 |
| Arab Bank Australia LimitedFixed Term Deposit - Personal | 5.15% | — | $10,000 | $257.50 |
 Australian Mutual Bank LTDTerm Deposit for Edvest Members | 5.15% | ▲ +0.50 8 Oct | $1,000 | $257.50 |
 BOQ SpecialistTerm Deposit | 5.15% | ▲ +0.05 23 Sep | $1,000 | $257.50 |
 Firefighters Mutual BankTerm Deposit for Edvest Members | 5.15% | ▲ +0.50 8 Oct | $1,000 | $257.50 |
 gmcuMonthly Income Term Deposit - 6 months | 5.15% | ▲ +0.25 6 Oct | $5,000 | $257.50 |
 Health Professionals BankTerm Deposit for Edvest Members | 5.15% | ▲ +0.50 8 Oct | $1,000 | $257.50 |
 Teachers Mutual BankTerm Deposit for Edvest Members | 5.15% | ▲ +0.50 8 Oct | $1,000 | $257.50 |
 UniBankTerm Deposit for Edvest Members | 5.15% | ▲ +0.50 8 Oct | $1,000 | $257.50 |
| Alex.BankTerm Deposit - Direct | 5.10% | ▼ −0.20 9 Oct | $5,000 | $255.00 |
 BankVicTerm Deposit 6 Months | 5.10% | — | $5,000 | $255.00 |
 Coastline BankI50 Gold Mbr Ftd 6 Mths | 5.10% | ▲ +0.20 15 Sep | $50,000 | $255.00 |
 CommFCUTERM DEPOSITS - 6 TO 11 MONTHS INTEREST ON MATURITY | 5.10% | — | $100,000 | $255.00 |
| Greater BankTerm Investment - Interest @ Maturity | 5.10% | — | $5,000 | $255.00 |
| RabobankOnline Term Deposit | 5.10% | ▲ +0.10 16 Sep | $500,001 | $255.00 |
| Auswide Bank LtdMATURITY TERM DEPOSIT | 5.00% | ▲ +0.15 16 Sep | $500 | $250.00 |
 Bank of usFIXED TERM INVESTMENT | 5.00% | — | $5,000 | $250.00 |
 bankWAWLimited Offer 6 months | 5.00% | — | $1,000 | $250.00 |
 Beyond Bank AustraliaINV - 6 Mth Capitalise | 5.00% | ▲ +0.10 4 Sep | $200,000 | $250.00 |
| CommBankStandard Term Deposittailored | 5.00% | — | $50,000 | $250.00 |
 IMB BankTerm Deposit | 5.00% | ▼ −0.10 2 Oct | $5,000 | $250.00 |
 People First and Heritage BankTerm Deposit | 5.00% | — | $1,000 | $250.00 |
 Police Credit Union LtdADELAIDE TERM DEPOSIT | 5.00% | — | $50,000 | $250.00 |
 Judo BankPersonal Term Deposits | 4.95% | — | $1,000 | $247.50 |
 The CapricornianTerm Deposit | 4.95% | ▲ +0.10 7 Oct | $5,000 | $247.50 |
 Horizon BankTerm Deposit | 4.90% | ▲ +0.10 7 Oct | $1,000 | $245.00 |
| Summerland BankFixed Term Deposit | 4.90% | ▼ −0.10 4 Sep | $1,000 | $245.00 |
 Border BankTerm Deposit | 4.85% | — | $10,000 | $242.50 |
 Police BankTerm Deposit | 4.85% | — | $10,000 | $242.50 |
 Suncorp BankTerm Deposit | 4.80% | ▼ −0.10 2 Oct | $5,000 | $240.00 |
 The MacTERM SAVINGS I4 | 4.80% | — | $5,000 | $240.00 |
 Defence BankTerm Deposit 6 months | 4.75% | — | $1,000 | $237.50 |
 Great Southern BankStandard Rate Term Deposit 1-12 months | 4.55% | — | $5,000 | $227.50 |
 BankwestBankwest Term Deposit | 4.40% | — | $1,000 | $220.00 |
 Central Murray BankTERM DEPOSIT 6 MONTHS | 4.25% | ▲ +0.25 10 Oct | $500 | $212.50 |
| Fire Service Credit UnionI5 FTD 6 Months | 4.25% | — | $25,000 | $212.50 |
 Australian Military BankTeen Plus | 4.00% | — | $500 | $200.00 |
 Northern Inland Credit Union Limited6 MONTHS Term Deposit with interest paid at maturity/annually | 4.00% | — | $1,000 | $200.00 |
 RSL MoneyRSL Member Income Plus | 4.00% | — | $1,000 | $200.00 |
| Woolworths Team Bank6 MONTHS | 4.00% | — | $2,000 | $200.00 |
 Queensland Country BankFTD - Interest Monthly | 3.80% | — | $1,000 | $190.00 |
 ANZANZ Advance Notice Term Deposit | 3.50% | — | $5,000 | $175.00 |
| NATIONAL AUSTRALIA BANKNAB Term Deposit | 3.50% | — | $5,000 | $175.00 |
 SWSbank6 Month Term Deposit | 3.50% | — | $500 | $175.00 |
 Bank of MelbourneTerm Deposit | 3.40% | — | $1,000 | $170.00 |
 BankSATerm Deposit | 3.40% | — | $1,000 | $170.00 |
 St.George BankTerm Deposit | 3.40% | — | $1,000 | $170.00 |
 WestpacTerm Deposit | 3.40% | — | $5,000 | $170.00 |
 TMCU3M TO LESS THAN 6M | 3.35% | — | $1,000 | $167.50 |
 Broken Hill BankFTD - 6 Months | 3.30% | — | $5,000 | $165.00 |
 Central West CUL$5000+ (3m to <6m) I6 | 3.25% | — | $5,000 | $162.50 |
 Bendigo BankStandard Term Deposit | 3.00% | — | $5,000 | $150.00 |
| Credit Union SATerm Deposit | 3.00% | — | $1,000 | $150.00 |
 ORANGE CREDIT UNION LTD6MTH FIXED TERM DEPOSIT | 1.25% | — | $500 | $62.50 |
 Cairns bankno 6mo term | — | — | — | — |
 First Option Bankno 6mo term | — | — | — | — |
 Laboratories Credit Unionno 6mo term | — | — | — | — |
 Newcastle Permanentno 6mo term | — | — | — | — |
Est. earnings assume $10,000 held for the full 6 months at the rate shown, with simple interest paid at maturity ($10,000 × rate × 6/12). 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.
6-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 6-month rate we read that day. A break is a day no bank’s 6-month rate could be read.
6-month rate changes36 since 26 Aug 2026
| Date | Bank | Term | From → to | Δ |
|---|---|---|---|---|
| 10 Oct 2026 | Central Murray Bank | 6mo | 4.00 → 4.25 | ▲ +0.25 |
| 9 Oct 2026 | Alex Bank | 6mo | 5.30 → 5.10 | ▼ −0.20 |
| 8 Oct 2026 | Australian Mutual Bank | 6mo | 4.65 → 5.15 | ▲ +0.50 |
| 8 Oct 2026 | Firefighters Mutual Bank | 6mo | 4.65 → 5.15 | ▲ +0.50 |
| 8 Oct 2026 | Health Professionals Bank | 6mo | 4.65 → 5.15 | ▲ +0.50 |
| 8 Oct 2026 | Teachers Mutual Bank | 6mo | 4.65 → 5.15 | ▲ +0.50 |
| 8 Oct 2026 | UniBank | 6mo | 4.65 → 5.15 | ▲ +0.50 |
| 8 Oct 2026 | Dnister Bank | 6mo | 5.00 → 5.30 | ▲ +0.30 |
| 8 Oct 2026 | Unity Bank | 6mo | 5.15 → 5.35 | ▲ +0.20 |
| 8 Oct 2026 | QBANK | 6mo | 5.20 → 5.30 | ▲ +0.10 |
| 7 Oct 2026 | Horizon Bank | 6mo | 4.80 → 4.90 | ▲ +0.10 |
| 7 Oct 2026 | The Capricornian | 6mo | 4.85 → 4.95 | ▲ +0.10 |
| 6 Oct 2026 | GMCU | 6mo | 4.90 → 5.15 | ▲ +0.25 |
| 2 Oct 2026 | The Mutual Bank | 6mo | 4.80 → 5.20 | ▲ +0.40 |
| 2 Oct 2026 | IMB Bank | 6mo | 5.10 → 5.00 | ▼ −0.10 |
| 2 Oct 2026 | Suncorp Bank | 6mo | 4.90 → 4.80 | ▼ −0.10 |
| 1 Oct 2026 | Heartland Bank | 6mo | 5.35 → 5.45 | ▲ +0.10 |
| 30 Sep 2026 | AMP Bank | 6mo | 5.05 → 5.15 | ▲ +0.10 |
| 29 Sep 2026 | Alex Bank | 6mo | 5.20 → 5.30 | ▲ +0.10 |
| 25 Sep 2026 | Alex Bank | 6mo | 5.25 → 5.20 | ▼ −0.05 |
| 24 Sep 2026 | Heartland Bank | 6mo | 5.30 → 5.35 | ▲ +0.05 |
| 23 Sep 2026 | Southern Cross Credit Union | 6mo | 5.10 → 5.20 | ▲ +0.10 |
| 23 Sep 2026 | BOQ | 6mo | 5.15 → 5.20 | ▲ +0.05 |
| 23 Sep 2026 | BOQ Specialist | 6mo | 5.10 → 5.15 | ▲ +0.05 |
| 23 Sep 2026 | ME Bank | 6mo | 5.20 → 5.25 | ▲ +0.05 |
| 22 Sep 2026 | Alex Bank | 6mo | 5.20 → 5.25 | ▲ +0.05 |
| 18 Sep 2026 | Bank First | 6mo | 5.25 → 5.30 | ▲ +0.05 |
| 16 Sep 2026 | Auswide Bank | 6mo | 4.85 → 5.00 | ▲ +0.15 |
| 16 Sep 2026 | Rabobank | 6mo | 5.00 → 5.10 | ▲ +0.10 |
| 16 Sep 2026 | Macquarie Bank | 6mo | 5.15 → 5.20 | ▲ +0.05 |
| 15 Sep 2026 | Alex Bank | 6mo | 4.90 → 5.20 | ▲ +0.30 |
| 15 Sep 2026 | Coastline Bank | 6mo | 4.90 → 5.10 | ▲ +0.20 |
| 4 Sep 2026 | Beyond Bank | 6mo | 4.90 → 5.00 | ▲ +0.10 |
| 4 Sep 2026 | Summerland Bank | 6mo | 5.00 → 4.90 | ▼ −0.10 |
| 2 Sep 2026 | Macquarie Bank | 6mo | 5.05 → 5.15 | ▲ +0.10 |
| 2 Sep 2026 | Qudos Bank | 6mo | 5.20 → 5.30 | ▲ +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.