9-month term deposit rates
60 banks publish a 9-month rate today, ranked highest first. Read from each bank’s own Consumer Data Right feed on 10 Oct 2026.
9-month at a glance
9-month rates, every bank60 banks · $10,000 deposit for the earnings column · 10 Oct 2026
| Bank | Rate | Last change | Min. deposit | Est. earnings |
|---|---|---|---|---|
 Bank First270 Day Term Deposit | 5.40% | — | $500 | $405.00 |
 HeartlandTerm Deposit | 5.40% | ▲ +0.05 1 Oct | $5,000 | $405.00 |
 QBANKTerm Deposit 9 Month | 5.40% | ▲ +0.10 8 Oct | $250,000 | $405.00 |
| Unity BankTerm Deposit | 5.35% | ▲ +0.20 8 Oct | $1,000 | $401.25 |
| Alex.BankTerm Deposit - Intermediary | 5.30% | ▼ −0.05 9 Oct | $10,000 | $397.50 |
 Bank AustraliaTerm Deposit 9 months | 5.30% | ▲ +0.20 23 Sep | $500 | $397.50 |
 Beyond Bank AustraliaINV - 9 Mth Capitalise | 5.30% | ▲ +1.45 29 Sep | $2,000 | $397.50 |
 ME Bank - ME GoME Go Term Deposit | 5.30% | — | $5,000 | $397.50 |
 Qudos BankTerm Deposits | 5.30% | ▲ +0.20 23 Sep | $500 | $397.50 |
 Southern Cross Credit UnionTERM DEPOSIT | 5.30% | — | $5,000 | $397.50 |
 Suncorp BankTerm Deposit | 5.30% | ▲ +0.10 2 Oct | $5,000 | $397.50 |
| BNK Bank (Goldfields Money/BCHL)Stow It Term Deposit Account | 5.25% | — | $5,000 | $393.75 |
 Border BankTerm Deposit | 5.25% | — | $10,000 | $393.75 |
 Macquarie Bank LimitedMacquarie Term Deposit | 5.25% | ▲ +0.05 16 Sep | $5,000 | $393.75 |
 MyState BankAMM - Regular Term Deposit | 5.25% | — | $5,000 | $393.75 |
 Police BankTerm Deposit | 5.25% | — | $10,000 | $393.75 |
 Police Credit Union LtdADELAIDE TERM DEPOSIT | 5.25% | — | $50,000 | $393.75 |
 Bank of Queensland LimitedmyBOQ Term Deposit | 5.15% | — | $5,000 | $386.25 |
 BankVicTerm Deposit 9 Months | 5.15% | — | $5,000 | $386.25 |
 BOQ SpecialistTerm Deposit | 5.15% | — | $1,000 | $386.25 |
| RabobankOnline Term Deposit | 5.15% | ▲ +0.20 16 Sep | $500,001 | $386.25 |
| Auswide Bank LtdMATURITY TERM DEPOSIT | 5.10% | ▲ +0.15 16 Sep | $500 | $382.50 |
 Bank of usFIXED TERM INVESTMENT | 5.10% | — | $5,000 | $382.50 |
| ING BANK (Australia) LtdPersonal Term Deposits | 5.10% | — | $10,000 | $382.50 |
 People First and Heritage BankTerm Deposit | 5.10% | — | $1,000 | $382.50 |
| Summerland BankFixed Term Deposit | 5.10% | — | $1,000 | $382.50 |
 Judo BankPersonal Term Deposits | 5.05% | ▼ −0.35 17 Sep | $1,000 | $378.75 |
 Horizon BankTerm Deposit | 5.00% | ▲ +0.10 7 Oct | $1,000 | $375.00 |
 Australian Mutual Bank LTDTerm Deposit for Edvest Members | 4.80% | ▲ +0.25 8 Oct | $1,000 | $360.00 |
 Firefighters Mutual BankTerm Deposit for Edvest Members | 4.80% | ▲ +0.25 8 Oct | $1,000 | $360.00 |
 Health Professionals BankTerm Deposit for Edvest Members | 4.80% | ▲ +0.25 8 Oct | $1,000 | $360.00 |
 Teachers Mutual BankTerm Deposit for Edvest Members | 4.80% | ▲ +0.25 8 Oct | $1,000 | $360.00 |
 The MacTERM SAVINGS I4 | 4.80% | — | $5,000 | $360.00 |
 UniBankTerm Deposit for Edvest Members | 4.80% | ▲ +0.25 8 Oct | $1,000 | $360.00 |
 Defence BankTerm Deposit 9 months | 4.75% | — | $1,000 | $356.25 |
 DnisterTerm Deposit - 9 Months | 4.70% | — | $1,000 | $352.50 |
 Great Southern BankStandard Rate Term Deposit 1-12 months | 4.65% | — | $5,000 | $348.75 |
| Arab Bank Australia LimitedFixed Term Deposit - Personal | 4.50% | — | $10,000 | $337.50 |
 BankwestBankwest Term Deposit | 4.40% | — | $1,000 | $330.00 |
 Australian Military BankTeen Plus | 4.30% | — | $500 | $322.50 |
 RSL MoneyRSL Member Income Plus | 4.30% | — | $1,000 | $322.50 |
 Northern Inland Credit Union Limited9 MONTHS Term Deposit with interest paid at maturity/annually | 4.25% | — | $1,000 | $318.75 |
| Maitland Mutual LimitedTerm Deposit | 4.00% | — | $500,000 | $300.00 |
| Woolworths Team Bank9 MONTHS | 3.95% | — | $2,000 | $296.25 |
 BCU Bank9 Month Term Deposit | 3.85% | — | $1,000 | $288.75 |
| NATIONAL AUSTRALIA BANKNAB Term Deposit | 3.80% | ▲ +0.10 22 Sep | $5,000 | $285.00 |
 P&N Bank9 Month Term Deposit | 3.80% | — | $5,000 | $285.00 |
 ANZANZ Advance Notice Term Deposit | 3.75% | ▲ +0.10 24 Sep | $5,000 | $281.25 |
 Central Murray BankTERM DEPOSIT 9 MONTHS | 3.75% | ▲ +0.25 10 Oct | $500 | $281.25 |
| CommBankStandard Term Deposittailored | 3.75% | ▲ +0.10 18 Sep | $50,000 | $281.25 |
| RACQ BankTerm Deposit | 3.75% | — | $1,000 | $281.25 |
 Bank of MelbourneTerm Deposit | 3.65% | — | $1,000 | $273.75 |
 BankSATerm Deposit | 3.65% | — | $1,000 | $273.75 |
 St.George BankTerm Deposit | 3.65% | — | $1,000 | $273.75 |
 SWSbank9 Month Term Deposit | 3.65% | — | $500 | $273.75 |
 WestpacTerm Deposit | 3.65% | — | $5,000 | $273.75 |
| Greater BankTerm Investment - Interest @ Maturity | 3.60% | — | $5,000 | $270.00 |
 Bendigo BankStandard Term Deposit | 3.20% | — | $5,000 | $240.00 |
| Credit Union SATerm Deposit | 3.00% | — | $1,000 | $225.00 |
 ORANGE CREDIT UNION LTD9MTH FIXED TERM DEPOSIT | 2.05% | — | $500 | $153.75 |
 AMP Bank GOno 9mo term | — | — | — | — |
 bankWAWno 9mo term | — | — | — | — |
 Broken Hill Bankno 9mo term | — | — | — | — |
 Cairns bankno 9mo term | — | — | — | — |
 Central West CULno 9mo term | — | — | — | — |
 Coastline Bankno 9mo term | — | — | — | — |
 CommFCUno 9mo term | — | — | — | — |
| Fire Service Credit Unionno 9mo term | — | — | — | — |
 First Option Bankno 9mo term | — | — | — | — |
| Geelong Bankno 9mo term | — | — | — | — |
 gmcuno 9mo term | — | — | — | — |
 IMB Bankno 9mo term | — | — | — | — |
 Laboratories Credit Unionno 9mo term | — | — | — | — |
 Newcastle Permanentno 9mo term | — | — | — | — |
 Queensland Country Bankno 9mo term | — | — | — | — |
 The Capricornianno 9mo term | — | — | — | — |
 TMCUno 9mo term | — | — | — | — |
Est. earnings assume $10,000 held for the full 9 months at the rate shown, with simple interest paid at maturity ($10,000 × rate × 9/12). 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.
9-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 9-month rate we read that day. A break is a day no bank’s 9-month rate could be read.
9-month rate changes28 since 26 Aug 2026
| Date | Bank | Term | From → to | Δ |
|---|---|---|---|---|
| 10 Oct 2026 | Central Murray Bank | 9mo | 3.50 → 3.75 | ▲ +0.25 |
| 9 Oct 2026 | Alex Bank | 9mo | 5.35 → 5.30 | ▼ −0.05 |
| 8 Oct 2026 | Australian Mutual Bank | 9mo | 4.55 → 4.80 | ▲ +0.25 |
| 8 Oct 2026 | Firefighters Mutual Bank | 9mo | 4.55 → 4.80 | ▲ +0.25 |
| 8 Oct 2026 | Health Professionals Bank | 9mo | 4.55 → 4.80 | ▲ +0.25 |
| 8 Oct 2026 | Teachers Mutual Bank | 9mo | 4.55 → 4.80 | ▲ +0.25 |
| 8 Oct 2026 | UniBank | 9mo | 4.55 → 4.80 | ▲ +0.25 |
| 8 Oct 2026 | Unity Bank | 9mo | 5.15 → 5.35 | ▲ +0.20 |
| 8 Oct 2026 | QBANK | 9mo | 5.30 → 5.40 | ▲ +0.10 |
| 7 Oct 2026 | Horizon Bank | 9mo | 4.90 → 5.00 | ▲ +0.10 |
| 2 Oct 2026 | Suncorp Bank | 9mo | 5.20 → 5.30 | ▲ +0.10 |
| 1 Oct 2026 | Alex Bank | 9mo | 5.25 → 5.35 | ▲ +0.10 |
| 1 Oct 2026 | Heartland Bank | 9mo | 5.35 → 5.40 | ▲ +0.05 |
| 29 Sep 2026 | Beyond Bank | 9mo | 3.85 → 5.30 | ▲ +1.45 |
| 24 Sep 2026 | ANZ | 9mo | 3.65 → 3.75 | ▲ +0.10 |
| 23 Sep 2026 | Bank Australia | 9mo | 5.10 → 5.30 | ▲ +0.20 |
| 23 Sep 2026 | Qudos Bank | 9mo | 5.10 → 5.30 | ▲ +0.20 |
| 22 Sep 2026 | NAB | 9mo | 3.70 → 3.80 | ▲ +0.10 |
| 22 Sep 2026 | Alex Bank | 9mo | 5.20 → 5.25 | ▲ +0.05 |
| 18 Sep 2026 | CommBank | 9mo | 3.65 → 3.75 | ▲ +0.10 |
| 17 Sep 2026 | Judo Bank | 9mo | 5.40 → 5.05 | ▼ −0.35 |
| 16 Sep 2026 | Rabobank | 9mo | 4.95 → 5.15 | ▲ +0.20 |
| 16 Sep 2026 | Auswide Bank | 9mo | 4.95 → 5.10 | ▲ +0.15 |
| 16 Sep 2026 | Macquarie Bank | 9mo | 5.20 → 5.25 | ▲ +0.05 |
| 15 Sep 2026 | NAB | 9mo | 5.00 → 3.70 | ▼ −1.30 |
| 15 Sep 2026 | Alex Bank | 9mo | 4.90 → 5.20 | ▲ +0.30 |
| 2 Sep 2026 | Judo Bank | 9mo | 4.95 → 5.40 | ▲ +0.45 |
| 2 Sep 2026 | Macquarie Bank | 9mo | 5.10 → 5.20 | ▲ +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.