Customer-owned bank term deposit rates
52 customer-owned banks — mutual banks, credit unions and building societies, owned by their members rather than shareholders — ranked by their best published retail rate on 10 Oct 2026. The market rank is against all 77 banks on the site; 6 of the top ten are customer-owned.
Customer-owned leaderboard52 banks · market rank across all 77 · 10 Oct 2026
| Mkt # | Bank | Best vs median | 3mo | 4mo | 6mo | 7mo | 8mo | 9mo | 10mo | 11mo | 1yr | 13mo | 17mo | 2yr | 4yr | 5yr |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 |  CommFCU12 Month Term Deposit Special★ | 5.60%1yr+0.30 | 4.95 | no 4mo rate | 5.10 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | 5.60 | no 13mo rate | no 17mo rate | no 2yr rate | no 4yr rate | no 5yr rate |
| 2 |  DnisterTerm Deposit - 12 Months★ | 5.55%1yr+0.25 | 5.10▲ | 4.50 | 5.30▲ | 4.60 | 4.65 | 4.70 | 4.75 | 4.80 | 5.55▲ | no 13mo rate | no 17mo rate | 5.00▲ | no 4yr rate | no 5yr rate |
| 2 | Unity BankTerm Deposit★ | 5.55%2yr+0.25 | 5.10▲ | 4.80▲ | 5.35▲ | 5.20▲ | 5.20▲ | 5.35▲ | 5.25▲ | 5.25▲ | 5.50▲ | 5.50▲ | no 17mo rate | 5.55 | 5.20▲ | 5.20▲ |
| 5 |  Bank AustraliaTerm Deposit 12 months★ | 5.50%1yr+0.20 | 5.10 | no 4mo rate | 5.30 | no 7mo rate | no 8mo rate | 5.30 | no 10mo rate | no 11mo rate | 5.50 | no 13mo rate | no 17mo rate | 5.40 | no 4yr rate | no 5yr rate |
| 5 |  Bank First1 Year Term Deposit★ | 5.50%1yr+0.20 | 4.95 | 5.10 | 5.30 | no 7mo rate | no 8mo rate | 5.40 | no 10mo rate | no 11mo rate | 5.50 | no 13mo rate | no 17mo rate | 5.00 | no 4yr rate | no 5yr rate |
| 5 |  Qudos BankTerm Deposits★ | 5.50%1yr+0.20 | 5.10 | no 4mo rate | 5.30 | no 7mo rate | no 8mo rate | 5.30 | no 10mo rate | no 11mo rate | 5.50 | no 13mo rate | no 17mo rate | 5.40 | no 4yr rate | no 5yr rate |
| 11 |  Great Southern BankPlatinum Plus Term Deposit 12 months | 5.45%1yr+0.15 | 5.10▲ | 4.40 | 4.55 | 5.25▲ | 3.95 | 4.65 | 3.15 | 4.65 | 5.45▲ | 2.40 | 2.40 | 4.35 | 5.10 | 5.45▲ |
| 11 |  People First and Heritage BankTerm Deposit | 5.45%7mo+0.15 | 4.00 | 4.85 | 5.00 | 5.45 | 4.50 | 5.10 | 4.50 | 4.50 | 5.20 | no 13mo rate | no 17mo rate | 5.25 | 5.25 | 5.25 |
| 11 |  Police Credit Union LtdADELAIDE TERM DEPOSIT | 5.45%11mo+0.15 | 4.15 | no 4mo rate | 5.00 | no 7mo rate | no 8mo rate | 5.25 | no 10mo rate | 5.45 | 5.25 | no 13mo rate | no 17mo rate | 5.00 | 4.90 | no 5yr rate |
| 11 |  QBANKTerm Deposit 12 Month★ | 5.45%1yr+0.15 | 5.00▲ | no 4mo rate | 5.30▲ | no 7mo rate | no 8mo rate | 5.40▲ | no 10mo rate | no 11mo rate | 5.45▲ | no 13mo rate | no 17mo rate | 4.90▲ | 4.25▲ | 4.25▲ |
| 11 | RACQ BankTerm Deposit★ | 5.45%6mo+0.15 | 5.25 | 3.50 | 5.45 | 3.50 | 3.50 | 3.75 | 3.50 | 3.50 | 5.35 | no 13mo rate | no 17mo rate | 3.30 | 3.30 | 3.30 |
| 16 |  Australian Mutual Bank LTDTerm Deposit for Edvest Members | 5.40%1yr+0.10 | 5.00▲ | 5.00▲ | 5.15▲ | 5.15▲ | 5.15▲ | 4.80▲ | 4.80▲ | 4.30▲ | 5.40▲ | 5.40▲ | 4.30▲ | 4.30▲ | no 4yr rate | no 5yr rate |
| 16 |  Firefighters Mutual BankTerm Deposit for Edvest Members | 5.40%1yr+0.10 | 5.00▲ | 5.00▲ | 5.15▲ | 5.15▲ | 5.15▲ | 4.80▲ | 4.80▲ | 4.30▲ | 5.40▲ | 5.40▲ | 4.30▲ | 4.30▲ | no 4yr rate | no 5yr rate |
| 16 |  Health Professionals BankTerm Deposit for Edvest Members | 5.40%1yr+0.10 | 5.00▲ | 5.00▲ | 5.15▲ | 5.15▲ | 5.15▲ | 4.80▲ | 4.80▲ | 4.30▲ | 5.40▲ | 5.40▲ | 4.30▲ | 4.30▲ | no 4yr rate | no 5yr rate |
| 16 | Maitland Mutual LimitedTerm Deposit | 5.40%4mo+0.10 | 4.90 | 5.40 | 5.20 | 3.95 | 4.00 | 4.00 | 4.00 | 4.00 | 5.30 | no 13mo rate | no 17mo rate | 5.20 | no 4yr rate | no 5yr rate |
| 16 |  Teachers Mutual BankTerm Deposit for Edvest Members | 5.40%1yr+0.10 | 5.00▲ | 5.00▲ | 5.15▲ | 5.15▲ | 5.15▲ | 4.80▲ | 4.80▲ | 4.30▲ | 5.40▲ | 5.40▲ | 4.30▲ | 4.30▲ | no 4yr rate | no 5yr rate |
| 16 |  UniBankTerm Deposit for Edvest Members | 5.40%1yr+0.10 | 5.00▲ | 5.00▲ | 5.15▲ | 5.15▲ | 5.15▲ | 4.80▲ | 4.80▲ | 4.30▲ | 5.40▲ | 5.40▲ | 4.30▲ | 4.30▲ | no 4yr rate | no 5yr rate |
| 24 |  Defence BankTerm Deposit 10 month | 5.35%10mo+0.05 | 4.35 | 5.10 | 4.75 | 4.75 | 4.75 | 4.75 | 5.35 | 4.75 | 5.20 | no 13mo rate | no 17mo rate | 5.25 | no 4yr rate | no 5yr rate |
| 24 |  ORANGE CREDIT UNION LTD12MTH FIXED TERM DEPOSIT WEALTH BUILDER | 5.35%1yr+0.05 | 1.00 | no 4mo rate | 1.25 | no 7mo rate | no 8mo rate | 2.05 | no 10mo rate | no 11mo rate | 5.35 | no 13mo rate | no 17mo rate | 4.55 | no 4yr rate | no 5yr rate |
| 31 |  BCU Bank12 Month Term Deposit | 5.30%1yrmedian | 4.00 | 4.55 | 5.20 | 3.85 | 3.85 | 3.85 | 3.55 | 4.00 | 5.30▲ | no 13mo rate | no 17mo rate | 3.45 | no 4yr rate | no 5yr rate |
| 31 |  Beyond Bank AustraliaINV - 9 Mth Capitalise★ | 5.30%9momedian | 4.30 | no 4mo rate | 5.00 | no 7mo rate | no 8mo rate | 5.30 | no 10mo rate | no 11mo rate | 5.20 | no 13mo rate | no 17mo rate | 4.60 | 3.65 | no 5yr rate |
| 31 |  First Option Bank12 MONTH FIXED TERM | 5.30%13momedian | no 3mo rate | no 4mo rate | no 6mo rate | no 7mo rate | 5.10 | no 9mo rate | no 10mo rate | 5.20 | 5.15 | 5.30 | no 17mo rate | 4.75 | no 4yr rate | no 5yr rate |
| 31 | Greater BankTerm Investment - Interest @ Maturity★ | 5.30%1yrmedian | 4.50 | 3.75 | 5.10 | 3.60 | 3.60 | 3.60 | 3.60 | 3.60 | 5.30 | 3.00 | no 17mo rate | no 2yr rate | no 4yr rate | 3.55 |
| 31 |  P&N Bank12 Month Term Deposit | 5.30%1yrmedian | 3.85 | 4.30 | 5.20 | 4.40 | 3.70 | 3.80 | 3.60 | 3.70 | 5.30▲ | no 13mo rate | no 17mo rate | no 2yr rate | no 4yr rate | 3.35 |
| 31 |  Queensland Country BankFTD - Interest at Maturity | 5.30%1yrmedian | 3.60 | no 4mo rate | 3.80 | no 7mo rate | no 8mo rate | no 9mo rate | 5.00 | no 11mo rate | 5.30▲ | no 13mo rate | no 17mo rate | 5.00 | no 4yr rate | no 5yr rate |
| 31 |  Southern Cross Credit UnionTERM DEPOSIT | 5.30%9momedian | 5.00 | 4.50 | 5.20 | 5.00 | 3.80 | 5.30 | 3.80 | 5.10 | 5.30 | no 13mo rate | no 17mo rate | 4.70 | no 4yr rate | no 5yr rate |
| 31 | Woolworths Team Bank7 MONTHS | 5.30%7momedian | no 3mo rate | no 4mo rate | 4.00 | 5.30 | no 8mo rate | 3.95 | no 10mo rate | no 11mo rate | 4.00 | no 13mo rate | no 17mo rate | 1.95 | no 4yr rate | no 5yr rate |
| 46 |  Bank of usFIXED TERM INVESTMENT | 5.25%7mo−0.05 | 4.75 | 4.75 | 5.00 | 5.25 | 5.25 | 5.10 | 5.10 | 4.00 | 5.20 | no 13mo rate | 4.90 | 4.60 | no 4yr rate | no 5yr rate |
| 46 |  Border BankTerm Deposit | 5.25%4mo−0.05 | 4.30 | 5.25 | 4.85 | 4.65 | no 8mo rate | 5.25 | no 10mo rate | no 11mo rate | 5.00 | no 13mo rate | no 17mo rate | 4.60 | 4.20 | 4.20 |
| 46 |  Coastline BankI51 Gold Mbr Ftd 12 Mths★ | 5.25%1yr−0.05 | 4.50 | no 4mo rate | 5.10 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | 5.25 | no 13mo rate | no 17mo rate | 5.00 | no 4yr rate | no 5yr rate |
| 46 |  gmcuFixed Term Deposit - 6 to 8 months | 5.25%8mo−0.05 | no 3mo rate | no 4mo rate | 5.15▲ | no 7mo rate | 5.25▲ | no 9mo rate | 3.70 | no 11mo rate | 5.15▲ | no 13mo rate | no 17mo rate | 4.90▲ | no 4yr rate | no 5yr rate |
| 46 |  Police BankTerm Deposit | 5.25%4mo−0.05 | 4.30 | 5.25 | 4.85 | 4.65 | no 8mo rate | 5.25 | no 10mo rate | no 11mo rate | 5.00 | no 13mo rate | no 17mo rate | 4.60 | 4.20 | 4.20 |
| 46 | Summerland BankFixed Term Deposit | 5.25%1yr−0.05 | 3.50 | 4.65 | 4.90 | 5.00 | 5.00 | 5.10 | 5.10 | 5.10 | 5.25 | 5.00 | no 17mo rate | 4.70 | 3.60 | 3.65 |
| 53 |  bankWAWLimited Offer 12 months | 5.20%1yr−0.10 | 4.50 | no 4mo rate | 5.00 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | 3.10 | 5.20 | no 13mo rate | 3.50 | 3.60 | no 4yr rate | no 5yr rate |
| 53 |  Newcastle PermanentTerm Deposit★ | 5.20%1yr−0.10 | no 3mo rate | no 4mo rate | no 6mo rate | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | 5.20 | no 13mo rate | no 17mo rate | 4.25 | 3.55 | 3.55 |
| 53 |  The CapricornianTerm Deposit | 5.20%1yr−0.10 | 4.30▲ | no 4mo rate | 4.95▲ | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | 5.20▲ | no 13mo rate | no 17mo rate | 5.10 | no 4yr rate | no 5yr rate |
| 60 |  BankVicTerm Deposit 9 Months | 5.15%9mo−0.15 | 4.50 | 4.50 | 5.10 | 4.70 | 4.70 | 5.15 | 4.75 | 4.75 | 5.00 | no 13mo rate | no 17mo rate | 5.00 | 4.70 | 4.20 |
| 60 |  IMB BankTerm Deposit | 5.15%1yr−0.15 | 4.90 | no 4mo rate | 5.00 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | 5.15 | no 13mo rate | no 17mo rate | 4.50 | 4.00 | 4.00 |
| 63 | Credit Union SATerm Deposit | 5.10%4mo−0.20 | 3.00 | 5.10 | 3.00 | 5.05 | 3.00 | 3.00 | 5.05 | 3.00 | 5.00 | no 13mo rate | no 17mo rate | 2.90 | 2.90 | 2.90 |
| 63 |  Horizon BankTerm Deposit | 5.10%1yr−0.20 | 4.60▲ | 4.80▲ | 4.90▲ | no 7mo rate | no 8mo rate | 5.00▲ | no 10mo rate | no 11mo rate | 5.10▲ | no 13mo rate | no 17mo rate | 4.90 | no 4yr rate | no 5yr rate |
| 65 |  Broken Hill BankFTD - 12 Months | 5.00%1yr−0.30 | 3.25 | 3.25 | 3.30 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | 5.00 | no 13mo rate | no 17mo rate | 5.00 | no 4yr rate | no 5yr rate |
| 65 |  Cairns bankTerm deposits 1mth under $500,000★ | 5.00%2yr−0.30 | no 3mo rate | no 4mo rate | no 6mo rate | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | no 1yr rate | no 13mo rate | no 17mo rate | 5.00 | no 4yr rate | no 5yr rate |
| 65 |  Central West CUL$5000+ (12m - 24m) I4 | 5.00%17mo−0.30 | no 3mo rate | no 4mo rate | 3.25 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | 3.40 | 3.40 | no 13mo rate | 5.00▲ | 5.00▲ | no 4yr rate | no 5yr rate |
| 65 |  SWSbank12 Month Term Deposit | 5.00%1yr−0.30 | 3.35 | no 4mo rate | 3.50 | no 7mo rate | no 8mo rate | 3.65 | no 10mo rate | no 11mo rate | 5.00 | no 13mo rate | no 17mo rate | 4.80 | no 4yr rate | no 5yr rate |
| 65 |  The MacMINI MAC TERM DEPOSIT | 5.00%1yr−0.30 | 3.50 | no 4mo rate | 4.80 | no 7mo rate | no 8mo rate | 4.80 | no 10mo rate | no 11mo rate | 5.00 | no 13mo rate | no 17mo rate | 3.70 | no 4yr rate | no 5yr rate |
| 70 |  Laboratories Credit UnionMonthly Interest 12 Month Term Deposit | 4.90%1yr−0.40 | no 3mo rate | no 4mo rate | no 6mo rate | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | 4.00 | 4.90 | no 13mo rate | no 17mo rate | no 2yr rate | no 4yr rate | no 5yr rate |
| 70 |  Northern Inland Credit Union Limited12 MONTHS Term Deposit with interest paid at maturity/annually | 4.90%1yr−0.40 | 3.25 | no 4mo rate | 4.00 | no 7mo rate | no 8mo rate | 4.25 | no 10mo rate | no 11mo rate | 4.90 | no 13mo rate | no 17mo rate | 4.10 | no 4yr rate | no 5yr rate |
| 73 |  RSL MoneyRSL Member Income Plus | 4.70%7mo−0.60 | 4.30 | 4.30 | 4.00 | 4.70 | 4.30 | 4.30 | 4.00 | 4.00 | 3.60 | 3.55 | 3.55 | 3.55 | no 4yr rate | no 5yr rate |
| 74 |  Central Murray BankTERM DEPOSIT 12 MONTHS | 4.50%1yr−0.80 | 3.50▲ | 3.50▲ | 4.25▲ | 1.00 | no 8mo rate | 3.75▲ | 3.75▲ | 3.75▲ | 4.50▲ | no 13mo rate | no 17mo rate | 3.75▲ | no 4yr rate | no 5yr rate |
| 75 |  Australian Military BankTeen Plus | 4.40%7mo−0.90 | 4.30 | 4.30 | 4.00 | 4.40 | 4.30 | 4.30 | 4.00 | 4.00 | 3.60 | 3.55 | 3.55 | 3.55 | no 4yr rate | no 5yr rate |
| 76 | Fire Service Credit UnionI3 FTD 3 Months | 4.35%3mo−0.95 | 4.35 | no 4mo rate | 4.25 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | no 11mo rate | 4.05 | no 13mo rate | no 17mo rate | no 2yr rate | no 4yr rate | no 5yr rate |
| 77 |  TMCU6M TO LESS THAN 12M | 3.55%11mo−1.75 | no 3mo rate | no 4mo rate | 3.35 | no 7mo rate | no 8mo rate | no 9mo rate | no 10mo rate | 3.55 | no 1yr rate | no 13mo rate | no 17mo rate | 3.30 | no 4yr rate | no 5yr rate |
Hover a rate for the interest it would earn on your deposit amount, or switch to Interest $ to read the whole grid in dollars. A dot means the bank publishes no rate for that term. On a narrow screen the grid scrolls sideways and the rank, bank and header stay put. Pick a single term above for minimum deposits, rate changes and an earnings column.
Same columns as the front page: each bank’s best rate and its distance from the whole-market median, then its rate at every featured term. Open a bank for all of its terms and its history.
What customer-owned means
A customer-owned bank has no external shareholders: its customers are its members and its profits are kept or returned as better rates and lower fees. They are authorised deposit-taking institutions regulated by APRA like any other bank, and deposits are covered by the Financial Claims Scheme up to $250,000 per account holder per ADI. The label on each bank’s page comes from our reviewed facts file, checked 3 Oct 2026.
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.