Term deposits: rates by term

A term deposit locks your money away for a set time at a set rate. Taking it out early usually costs you some of the interest. Here's what each bank publishes for $10,000, and the smallest amount it takes.

The typical rate for each term

Locking $10,000 away for 12 months typically earns 5.20%. That's about $520 in interest.

1 month 1.40% 0.01% to 4.50%

3 months 4.30% 0.01% to 5.25%

4 months 4.50% 0.01% to 5.40%

6 months 5.00% 0.01% to 5.45%

9 months 4.75% 0.10% to 5.40%

1 year 5.20% 0.01% to 5.60%

18 months 4.25% 2.75% to 5.50%

2 years 4.35% 0.15% to 5.55%

3 years 4.25% 0.15% to 5.55%

4 years 3.85% 0.15% to 5.60%

5 years 4.00% 2.00% to 5.60%

See the numbers

Term	Typical rate	Lowest	Highest	Products
1 month	1.40%	0.01%	4.50%	51
3 months	4.30%	0.01%	5.25%	131
4 months	4.50%	0.01%	5.40%	81
6 months	5.00%	0.01%	5.45%	142
9 months	4.75%	0.10%	5.40%	108
1 year	5.20%	0.01%	5.60%	153
18 months	4.25%	2.75%	5.50%	53
2 years	4.35%	0.15%	5.55%	131
3 years	4.25%	0.15%	5.55%	97
4 years	3.85%	0.15%	5.60%	53
5 years	4.00%	2.00%	5.60%	47

The bar is the median: half the term deposits pay more and half pay less. Terms with fewer than three products aren't shown.

Every term deposit

The rate for a $10,000 deposit, or for the smallest deposit the bank takes if that's more. Where a bank lists more than one rate for a term (for example, interest paid monthly or at the end), this shows the highest. Tap a column heading to sort it.

	Product
Alex.Bank	Term Deposit - Direct	–	4.90%	5.40%	5.00%	$5,000
Alex.Bank	Term Deposit - Intermediary	4.90%	5.00%	5.50%	5.30%	$10,000
Alex.Bank	Term Deposit - Partners	–	4.90%	5.40%	5.00%	$10,000
AMP Bank GO	AMP Bank GO 12 Month Term Deposit	–	–	5.40%	–	$5,000
AMP Bank GO	AMP Bank GO 6 Month Term Deposit	–	5.15%	–	–	$5,000
ANZ	ANZ Advance Notice Term Deposit	3.35%	3.50%	5.30%	5.00%	$5,000
ANZ	ANZ Term Deposit	0.05%	0.10%	0.15%	0.15%	$5,000
Arab Bank Australia Limited	EURO Term Deposit (Monthly)	0.01%	0.01%	–	–	$10,000
Arab Bank Australia Limited	Fixed Term Deposit - Personal	5.00%	5.15%	4.50%	3.40%	$2,000
Arab Bank Australia Limited	Swiss Francs/CHF Term Deposit (Monthly)	0.01%	0.01%	–	–	$10,000
Arab Bank Australia Limited	USD Term Deposit (Monthly)	0.25%	0.25%	–	–	$2,000
Australian Military Bank	Income Plus	4.20%	3.90%	3.50%	–	$1,000
Australian Military Bank	Investment Plus	4.30%	4.00%	3.60%	3.55%	$1,000
Australian Military Bank	Teen Plus	4.30%	4.00%	3.60%	3.55%	$500
Australian Mutual Bank LTD	Term Deposit	4.95%	5.10%	5.35%	4.25%	$1,000
Australian Mutual Bank LTD	Term Deposit for Customers	4.95%	5.10%	5.35%	4.25%	$1,000
Australian Mutual Bank LTD	Term Deposit for Edvest Members	5.00%	5.15%	5.40%	4.30%	$1,000
Auswide Bank Ltd	12 MONTHLY INT TERM DEP	–	–	–	5.10%	$5,000
Auswide Bank Ltd	MATURITY TERM DEPOSIT	4.95%	5.00%	5.25%	5.15%	$5,000
Auswide Bank Ltd	MONTHLY INT TERM DEP	3.70%	3.90%	4.00%	3.30%	$5,000
Auswide Bank Ltd	NATIONAL SENIORS TERM DEPOSIT	4.95%	5.00%	5.25%	5.15%	$5,000
Bank Australia	Impact Term Deposit 6 months	–	5.30%	–	–	$500
Bank Australia	Monthly Term Deposit 12 months	–	–	5.40%	–	$500
Bank Australia	Monthly Term Deposit 18 months	–	–	–	–	$500
Bank Australia	Monthly Term Deposit 24 months	–	–	–	5.30%	$500
Bank Australia	Monthly Term Deposit 36 months	–	–	–	–	$500
Bank Australia	Monthly Term Deposit 6 months	–	5.20%	–	–	$500
Bank Australia	Term Deposit 12 months	–	–	5.50%	–	$500
Bank Australia	Term Deposit 18 months	–	–	–	–	$500
Bank Australia	Term Deposit 24 months	–	–	–	5.40%	$500
Bank Australia	Term Deposit 3 months	5.10%	–	–	–	$500
Bank Australia	Term Deposit 36 months	–	–	–	–	$500
Bank Australia	Term Deposit 6 months	–	5.30%	–	–	$500
Bank Australia	Term Deposit 9 months	–	–	–	–	$500
Bank First	1 Year Regular Income Term Deposit	–	–	5.40%	–	$5,000
Bank First	1 Year Term Deposit	–	–	5.50%	–	$500
Bank First	120 Day Term Deposit	–	–	–	–	$500
Bank First	180 Day Term Deposit	–	5.30%	–	–	$500
Bank First	2 Year Term Deposit	–	–	–	5.00%	$500
Bank First	270 Day Term Deposit	–	–	–	–	$500
Bank First	3 Year Term Deposit	–	–	–	–	$500
Bank First	4 Year Term Deposit	–	–	–	–	$500
Bank First	5 Year Term Deposit	–	–	–	–	$500
Bank First	90 Day Term Deposit	4.95%	–	–	–	$500
Bank First	Preschool 120-180 Day Flexible Term Deposit	–	5.30%	–	–	$5,000
Bank First	Preschool 30-90 Day Flexible Term Deposit	4.95%	–	–	–	$5,000
Bank First	Preschool Long Service Leave 1 Year Term Deposit	–	–	5.50%	–	–
Bank First	School 120-180 Day Flexible Term Deposit	–	5.30%	–	–	$5,000
Bank First	School 30-90 Day Flexible Term Deposit	4.95%	–	–	–	$5,000
Bank of Melbourne	Term Deposit changed 16 Oct	3.25%	3.40%	5.40%	4.50%	$1,000
Bank of Queensland Limited	myBOQ Term Deposit	4.95%	5.20%	5.30%	–	$5,000
Bank of Queensland Limited	Premier Investment Term Deposit	4.80%	5.00%	5.20%	2.00%	$1,000
Bank of Sydney	EUR Term Deposit	–	0.01%	0.01%	–	$5,000
Bank of Sydney	GBP Term Deposit	0.02%	0.05%	0.10%	–	$5,000
Bank of Sydney	NZD Term Deposit	0.01%	0.02%	0.02%	–	$5,000
Bank of Sydney	Term Deposit	4.40%	5.20%	5.30%	–	$1,000
Bank of Sydney	USD Term Deposit	0.05%	0.05%	0.10%	–	$5,000
Bank of us	FIXED TERM INVESTMENT	4.75%	5.00%	5.20%	4.60%	$5,000
BankSA	Term Deposit changed 16 Oct	3.25%	3.40%	5.40%	4.50%	$1,000
BankVic	12 Month Regular Income	–	–	4.95%	–	$5,000
BankVic	Term Deposit 10 Months	–	–	–	–	$5,000
BankVic	Term Deposit 11 Months	–	–	–	–	$5,000
BankVic	Term Deposit 12 Months	–	–	5.00%	–	$5,000
BankVic	Term Deposit 18 Months	–	–	–	–	$5,000
BankVic	Term Deposit 24 Months	–	–	–	5.00%	$5,000
BankVic	Term Deposit 3 Months	4.50%	–	–	–	$5,000
BankVic	Term Deposit 36 Months	–	–	–	–	$5,000
BankVic	Term Deposit 4 Months	–	–	–	–	$5,000
BankVic	Term Deposit 48 Months	–	–	–	–	$5,000
BankVic	Term Deposit 5 Months	–	–	–	–	$5,000
BankVic	Term Deposit 6 Months	–	5.10%	–	–	$5,000
BankVic	Term Deposit 60 Months	–	–	–	–	$5,000
BankVic	Term Deposit 7 Months	–	–	–	–	$5,000
BankVic	Term Deposit 8 Months	–	–	–	–	$5,000
BankVic	Term Deposit 9 Months	–	–	–	–	$5,000
bankWAW	12-17 months <$25K	–	–	–	–	$1,000
bankWAW	12-17 months >$25K	–	–	–	–	$25,000
bankWAW	18-24 months <$25K	–	–	–	3.40%	$1,000
bankWAW	18-24 months >$25K	–	–	–	3.60%	$25,000
bankWAW	3-5 months <$25K	–	–	–	–	$1,000
bankWAW	3-5 months >$25K	–	–	–	–	$25,000
bankWAW	6-11 months <$25K	–	–	–	–	$1,000
bankWAW	6-11 months >$25K	–	–	–	–	$25,000
bankWAW	Interest paid monthly 12-23 months <$25K	–	–	–	–	$5,000
bankWAW	Interest paid monthly 12-23 months >$25K	–	–	–	–	$25,000
bankWAW	Interest paid monthly 24 months <$25K	–	–	–	3.30%	$5,000
bankWAW	Interest paid monthly 24 months >$25K	–	–	–	3.50%	$25,000
bankWAW	Interest paid monthly 6-11 months <$25K	–	–	–	–	$5,000
bankWAW	Interest paid monthly 6-11 months >$25K	–	–	–	–	$25,000
bankWAW	Limited Offer 12 months	–	–	5.20%	–	$1,000
bankWAW	Limited Offer 18 months	–	–	–	–	$1,000
bankWAW	Limited Offer 3 months	4.50%	–	–	–	$1,000
bankWAW	Limited Offer 6 months	–	5.00%	–	–	$1,000
Bankwest	Bankwest Term Deposit	5.00%	4.40%	5.30%	5.00%	$1,000
BCU Bank	1 Month Term Deposit	–	–	–	–	$1,000
BCU Bank	10 Month Term Deposit	–	–	–	–	$1,000
BCU Bank	10 Month Term Deposit - Mthly	–	–	–	–	$1,000
BCU Bank	11 Month Term Deposit	–	–	–	–	$1,000
BCU Bank	11 Month Term Deposit - Mthly	–	–	–	–	$1,000
BCU Bank	12 Month Term Deposit	–	–	5.30%	–	$1,000
BCU Bank	12 Month Term Deposit - Mthly	–	–	4.40%	–	$1,000
BCU Bank	12 Month Term Deposit - Qrtly	–	–	4.32%	–	$1,000
BCU Bank	12 Month Term Deposit -6 Mthly	–	–	4.45%	–	$1,000
BCU Bank	2 Month Term Deposit	–	–	–	–	$1,000
BCU Bank	24 Month Term Deposit - Mthly	–	–	–	3.35%	$1,000
BCU Bank	24 Month Term Deposit - Qrtly	–	–	–	3.37%	$1,000
BCU Bank	24 Month Term Deposit - Yearly	–	–	–	3.45%	$1,000
BCU Bank	24 Month Term Deposit -6 Mthly	–	–	–	3.40%	$1,000
BCU Bank	3 Month Term Deposit	4.00%	–	–	–	$1,000
BCU Bank	3 Month Term Deposit - Mthly	3.90%	–	–	–	$1,000
BCU Bank	36 Month Term Deposit - Mthly	–	–	–	–	$1,000
BCU Bank	36 Month Term Deposit - Qrtly	–	–	–	–	$1,000
BCU Bank	36 Month Term Deposit - Yearly	–	–	–	–	$1,000
BCU Bank	36 Month Term Deposit -6 Mthly	–	–	–	–	$1,000
BCU Bank	4 Month Term Deposit	–	–	–	–	$1,000
BCU Bank	4 Month Term Deposit - Mthly	–	–	–	–	$1,000
BCU Bank	5 Month Term Deposit	–	–	–	–	$1,000
BCU Bank	5 Month Term Deposit - Mthly	–	–	–	–	$1,000
BCU Bank	55 Term Deposit - 12M Ftly	–	–	4.45%	–	$5,000
BCU Bank	55 Term Deposit - 12M Mthly	–	–	4.50%	–	$5,000
BCU Bank	55 Term Deposit - 24M Ftly	–	–	–	3.40%	$5,000
BCU Bank	55 Term Deposit - 24M Mthly	–	–	–	3.45%	$5,000
BCU Bank	55 Term Deposit - 36M Ftly	–	–	–	–	$5,000
BCU Bank	55 Term Deposit - 36M Mthly	–	–	–	–	$5,000
BCU Bank	55 Term Deposit - 3M Mthly	4.00%	–	–	–	$5,000
BCU Bank	55 Term Deposit - 6M Ftly	–	5.15%	–	–	$5,000
BCU Bank	55 Term Deposit - 6M Mthly	–	5.20%	–	–	$5,000
BCU Bank	6 Month Term Deposit	–	5.20%	–	–	$1,000
BCU Bank	6 Month Term Deposit - Mthly	–	5.10%	–	–	$1,000
BCU Bank	7 Month Term Deposit	–	–	–	–	$1,000
BCU Bank	7 Month Term Deposit - Mthly	–	–	–	–	$1,000
BCU Bank	8 Month Term Deposit	–	–	–	–	$1,000
BCU Bank	8 Month Term Deposit - Mthly	–	–	–	–	$1,000
BCU Bank	9 Month Term Deposit	–	–	–	–	$1,000
BCU Bank	9 Month Term Deposit - Mthly	–	–	–	–	$1,000
Bendigo Bank	Bendigo Cash Solutions Term Deposit	2.80%	3.25%	3.50%	3.85%	$5,000
Bendigo Bank	Gold Term Deposit	–	–	0.05%	–	$2,000
Bendigo Bank	Standard Term Deposit changed 16 Oct	2.75%	4.70%	4.90%	4.50%	$1,000
Beyond Bank Australia	INV - 12 Mth Capitalise	–	–	4.90%	–	$2,000
Beyond Bank Australia	INV - 12 Mth FMD Trf 12 Mthly	–	–	4.90%	–	$2,000
Beyond Bank Australia	INV - 12 Mth FMD Trf 6 Mthly	–	–	4.90%	–	$2,000
Beyond Bank Australia	INV - 12 Mth Trf Mthly	–	–	4.80%	–	$2,000
Beyond Bank Australia	INV - 24 Mth Trf 12 Mthly	–	–	–	4.35%	$2,000
Beyond Bank Australia	INV - 24 Mth Trf Mthly	–	–	–	4.25%	$2,000
Beyond Bank Australia	INV - 3 Mth Capitalise	3.85%	–	–	–	$2,000
Beyond Bank Australia	INV - 3 Mth FMD Trf 3 Mthly	3.85%	–	–	–	$2,000
Beyond Bank Australia	INV - 36 Mth Trf 12 Mthly	–	–	–	–	$2,000
Beyond Bank Australia	INV - 36 Mth Trf Mthly	–	–	–	–	$2,000
Beyond Bank Australia	INV - 48-60 Mth Trf 12 Mthly	–	–	–	–	$2,000
Beyond Bank Australia	INV - 6 Mth Capitalise	–	4.45%	–	–	$2,000
Beyond Bank Australia	INV - 6 Mth FMD Trf 6 Mthly	–	4.45%	–	–	$2,000
Beyond Bank Australia	INV - 9 Mth Capitalise	–	–	–	–	$2,000
BNK Bank (Goldfields Money/BCHL)	Stow It Term Deposit Account	4.95%	5.20%	5.25%	–	$5,000
BOQ Specialist	Term Deposit	5.00%	5.15%	5.30%	3.50%	$1,000
Border Bank	Term Deposit	4.30%	4.85%	5.00%	4.60%	$1,000
Broken Hill Bank	FTD - 12 Months	–	–	5.00%	–	$5,000
Broken Hill Bank	FTD - 2 to 5 Months	3.25%	–	–	–	$5,000
Broken Hill Bank	FTD - 24 Months	–	–	–	5.00%	$5,000
Broken Hill Bank	FTD - 30 to 36 months	–	–	–	–	$5,000
Broken Hill Bank	FTD - 6 Months	–	3.30%	–	–	$5,000
Cairns bank	Term deposits 12mths over $500,000 mthly interest	–	–	–	4.75%	$1,000
Cairns bank	Term deposits 12mths under $500,000	–	–	–	–	$1,000
Cairns bank	Term deposits 1mth under $500,000	–	–	–	5.00%	$1,000
Cairns bank	Term deposits 24mths under $500,000	–	–	–	–	$1,000
Cairns bank	Term deposits 3mths under $500,000	–	–	–	–	$1,000
Central Murray Bank	12 MTHS MONTHLY CHQ	–	–	4.25%	–	$5,000
Central Murray Bank	12 MTHS MONTHLY CHQ	–	–	4.25%	–	$5,000
Central Murray Bank	24 MTHS REG INCOME	–	–	–	3.50%	$5,000
Central Murray Bank	24 MTHS REG INCOME	–	–	–	3.50%	$5,000
Central Murray Bank	TERM DEPOSIT 10 MONTH	–	–	–	–	$500
Central Murray Bank	TERM DEPOSIT 10 MONTH	–	–	–	–	$500
Central Murray Bank	TERM DEPOSIT 11 MONTHS	–	–	–	–	$500
Central Murray Bank	TERM DEPOSIT 11 MONTHS	–	–	–	–	$500
Central Murray Bank	TERM DEPOSIT 12 MONTHS	–	–	4.50%	–	$500
Central Murray Bank	TERM DEPOSIT 12 MONTHS	–	–	4.50%	–	$500
Central Murray Bank	TERM DEPOSIT 15 MONTHS	–	–	–	–	$500
Central Murray Bank	TERM DEPOSIT 15 MONTHS	–	–	–	–	$500
Central Murray Bank	TERM DEPOSIT 24 MONTHS	–	–	–	3.75%	$500
Central Murray Bank	TERM DEPOSIT 24 MONTHS	–	–	–	3.75%	$500
Central Murray Bank	TERM DEPOSIT 3 MONTHS	3.50%	–	–	–	$500
Central Murray Bank	TERM DEPOSIT 3 MONTHS	3.50%	–	–	–	$500
Central Murray Bank	TERM DEPOSIT 4 MONTHS	–	–	–	–	$500
Central Murray Bank	TERM DEPOSIT 4 MONTHS	–	–	–	–	$500
Central Murray Bank	TERM DEPOSIT 6 MONTHS	–	4.25%	–	–	$500
Central Murray Bank	TERM DEPOSIT 6 MONTHS	–	4.25%	–	–	$500
Central Murray Bank	TERM DEPOSIT 7 MONTHS	–	–	–	–	$500
Central Murray Bank	TERM DEPOSIT 7 MONTHS	–	–	–	–	$500
Central Murray Bank	TERM DEPOSIT 9 MONTHS	–	–	–	–	$500
Central Murray Bank	TERM DEPOSIT 9 MONTHS	–	–	–	–	$500
Central West CUL	$500+ (12m to 24m) I5	–	–	–	2.85%	$500
Central West CUL	$500+ (3m to <6m) I8	–	2.85%	–	–	$500
Central West CUL	$5000+ (12m - 24m) I15	–	–	–	–	$5,000
Central West CUL	$5000+ (12m - 24m) I4	–	–	–	5.00%	$5,000
Central West CUL	$5000+ (18m - 24m) I17	–	–	–	4.90%	$5,000
Central West CUL	$5000+ (3m to <6m) I6	–	3.25%	–	–	$5,000
Central West CUL	$5000+ (6m to <12m) I3	–	–	3.40%	–	$5,000
Central West CUL	500+ (6m to <12m) I1	–	–	2.85%	–	$500
Coastline Bank	I20 Term Deposit 3 Mths changed 16 Oct	4.55%	–	–	–	$5,000
Coastline Bank	I21 Term Deposit 6 Mths changed 16 Oct	–	4.90%	–	–	$5,000
Coastline Bank	I22 Term Deposit 12 Mths	–	–	4.95%	–	$5,000
Coastline Bank	I23 Term Deposit 24 Mths	–	–	–	4.70%	$5,000
Coastline Bank	I40 Cubs Term Deposit	4.20%	–	–	–	$500
Coastline Bank	I41 Kickstart Term Deposit	4.20%	–	–	–	$500
Coastline Bank	I50 Gold Mbr Ftd 6 Mths changed 16 Oct	–	5.00%	–	–	$5,000
Coastline Bank	I51 Gold Mbr Ftd 12 Mths	–	–	5.05%	–	$5,000
Coastline Bank	I52 Gold Mbr Ftd 24 Mths	–	–	–	4.80%	$5,000
CommBank	Standard Term Deposit	3.30%	4.95%	5.30%	5.15%	$5,000
CommFCU	12 Month Term Deposit Special	–	–	5.60%	–	$10,000
CommFCU	TERM DEPOSITS - 12 MONTHS INTEREST MONTHLY changed 16 Oct	–	–	–	–	$5,000
CommFCU	TERM DEPOSITS - 12 MONTHS INTEREST ON MATURITY changed 16 Oct	–	–	–	–	$5,000
CommFCU	TERM DEPOSITS - 24 MONTHS INTEREST MONTHLY changed 16 Oct	–	–	–	–	$5,000
CommFCU	TERM DEPOSITS - 24 MONTHS INTEREST ON MATURITY changed 16 Oct	–	–	–	–	$5,000
CommFCU	TERM DEPOSITS - 3 TO 5 MONTHS INTEREST MONTHLY changed 16 Oct	4.90%	–	–	–	$5,000
CommFCU	TERM DEPOSITS - 3 TO 5 MONTHS INTEREST ON MATURITY changed 16 Oct	5.00%	–	–	–	$5,000
CommFCU	TERM DEPOSITS - 36 MONTHS INTEREST MONTHLY changed 16 Oct	–	–	–	–	$5,000
CommFCU	TERM DEPOSITS - 36 MONTHS INTEREST ON MATURITY changed 16 Oct	–	–	–	–	$5,000
CommFCU	TERM DEPOSITS - 6 TO 11 MONTHS INTEREST MONTHLY changed 16 Oct	–	5.15%	–	–	$5,000
CommFCU	TERM DEPOSITS - 6 TO 11 MONTHS INTEREST ON MATURITY changed 16 Oct	–	5.25%	–	–	$5,000
Credit Union SA	Term Deposit changed 13 Oct	3.00%	5.30%	5.30%	2.90%	$1,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$200,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$5,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$50,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$500
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$200,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$5,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$50,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$500
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	5.40%	–	$200,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	4.95%	–	$5,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	5.05%	–	$50,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	2.95%	–	$500
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$200,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$5,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$50,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$500
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$5,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$500
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	4.40%	$200,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	4.45%	$5,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	4.40%	$50,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	2.25%	$500
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$200,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$5,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$50,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$500
Darling Downs Bank	FIXED TERM DEPOSITS	4.40%	–	–	–	$200,000
Darling Downs Bank	FIXED TERM DEPOSITS	3.85%	–	–	–	$5,000
Darling Downs Bank	FIXED TERM DEPOSITS	4.25%	–	–	–	$50,000
Darling Downs Bank	FIXED TERM DEPOSITS	2.60%	–	–	–	$500
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$200,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$5,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$50,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$500
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$200,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$5,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$50,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$500
Darling Downs Bank	FIXED TERM DEPOSITS	–	5.30%	–	–	$200,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	5.20%	–	–	$5,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	5.30%	–	–	$50,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	3.10%	–	–	$500
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$200,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$5,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$50,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$500
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$200,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$5,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$50,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$500
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$200,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$5,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$50,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$500
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$200,000
Darling Downs Bank	FIXED TERM DEPOSITS	–	–	–	–	$50,000
Defence Bank	Term Deposit 24 months changed 16 Oct	–	–	–	5.35%	$1,000
Defence Bank	Term Deposit 1 month	–	–	–	–	$1,000
Defence Bank	Term Deposit 10 month changed 16 Oct	–	–	–	–	$1,000
Defence Bank	Term Deposit 11 month changed 16 Oct	–	–	–	–	$1,000
Defence Bank	Term Deposit 12 months changed 16 Oct	–	–	5.30%	–	$1,000
Defence Bank	Term Deposit 2 months	–	–	–	–	$1,000
Defence Bank	Term Deposit 3 months changed 16 Oct	4.60%	–	–	–	$1,000
Defence Bank	Term Deposit 4 month	–	–	–	–	$1,000
Defence Bank	Term Deposit 5 month changed 16 Oct	–	–	–	–	$1,000
Defence Bank	Term Deposit 6 months changed 16 Oct	–	5.00%	–	–	$1,000
Defence Bank	Term Deposit 7 months changed 16 Oct	–	–	–	–	$1,000
Defence Bank	Term Deposit 8 month changed 16 Oct	–	–	–	–	$1,000
Defence Bank	Term Deposit 9 months changed 16 Oct	–	–	–	–	$1,000
Dnister	Term Deposit - 1 Month	–	–	–	–	$1,000
Dnister	Term Deposit - 10 Months	–	–	–	–	$1,000
Dnister	Term Deposit - 11 Months	–	–	–	–	$1,000
Dnister	Term Deposit - 12 Months	–	–	5.55%	–	$1,000
Dnister	Term Deposit - 18 Months	–	–	–	–	$1,000
Dnister	Term Deposit - 2 Months	–	–	–	–	$1,000
Dnister	Term Deposit - 24 Months	–	–	–	5.00%	$1,000
Dnister	Term Deposit - 3 Months	5.10%	–	–	–	$1,000
Dnister	Term Deposit - 4 Months	–	–	–	–	$1,000
Dnister	Term Deposit - 5 Months	–	–	–	–	$1,000
Dnister	Term Deposit - 6 Months	–	5.30%	–	–	$1,000
Dnister	Term Deposit - 7 Months	–	–	–	–	$1,000
Dnister	Term Deposit - 8 Months	–	–	–	–	$1,000
Dnister	Term Deposit - 9 Months	–	–	–	–	$1,000
Fire Service Credit Union	I1 Cheque A Month changed 16 Oct	–	–	–	–	$10,000
Fire Service Credit Union	I12 FTD 12 Months changed 16 Oct	–	–	4.50%	–	$5,000
Fire Service Credit Union	I3 FTD 3 Months changed 16 Oct	3.20%	–	–	–	$1,000
Fire Service Credit Union	I5 FTD 6 Months changed 16 Oct	–	4.35%	–	–	$1,000
Firefighters Mutual Bank	Term Deposit	4.95%	5.10%	5.35%	4.25%	$1,000
Firefighters Mutual Bank	Term Deposit for Customers	4.95%	5.10%	5.35%	4.25%	$1,000
Firefighters Mutual Bank	Term Deposit for Edvest Members	5.00%	5.15%	5.40%	4.30%	$1,000
First Option Bank	12 MONTH FIXED TERM changed 13 Oct	–	–	–	–	$1,000
First Option Bank	12 Month Regular Income Term Deposit changed 13 Oct	–	–	5.25%	–	$25,000
First Option Bank	24 MONTH FIXED TERM changed 13 Oct	–	–	–	5.00%	$1,000
First Option Bank	3 Month Fixed Term changed 13 Oct	–	–	–	–	$1,000
First Option Bank	6 Month Fixed Term changed 13 Oct	–	–	–	–	$1,000
First Option Bank	6 Month Regular Income Term Deposit	–	0.05%	–	–	$25,000
First Option Bank	9 Month Fixed Term changed 13 Oct	–	–	–	–	$1,000
First Option Bank	REGULAR INCOME 24MTH changed 13 Oct	–	–	–	4.85%	$25,000
Geelong Bank	Regular Income Plus for 12 months	–	–	5.20%	–	$5,000
Geelong Bank	Regular Income Plus for 3 months	3.10%	–	–	–	$5,000
Geelong Bank	Regular Income Plus for 6 months	–	5.10%	–	–	$5,000
Geelong Bank	Six Month term deposit	–	5.20%	–	–	$1,000
Geelong Bank	Three Month Term Deposit	3.60%	–	–	–	$1,000
Geelong Bank	Twelve Month Term Deposit	–	–	5.30%	–	$1,000
gmcu	Fixed Term Deposit - 12 months	–	–	5.15%	–	$100
gmcu	Fixed Term Deposit - 24 months	–	–	–	4.90%	$100
gmcu	Fixed Term Deposit - 3 to 5 months	–	–	–	–	$100
gmcu	Fixed Term Deposit - 6 to 8 months	–	–	–	–	$100
gmcu	Fixed Term Deposit - 9 to 10 months	–	–	–	–	$100
gmcu	Monthly Income Term Deposit - 12 Months	–	–	5.05%	–	$3,000
gmcu	Monthly Income Term Deposit - 24 months	–	–	–	4.80%	$3,000
gmcu	Monthly Income Term Deposit - 6 months	–	5.15%	–	–	$3,000
Great Southern Bank	Platinum Plus Term Deposit 12 months	–	–	5.45%	–	$5,000
Great Southern Bank	Platinum Plus Term Deposit 12 months (M)	–	–	5.35%	–	$5,000
Great Southern Bank	Platinum Plus Term Deposit 13-60 Months	–	–	–	4.35%	$5,000
Great Southern Bank	Platinum Plus Term Deposit 13-60 Months (M)	–	–	–	4.25%	$5,000
Great Southern Bank	Standard Rate Term Deposit 1-12 months	5.10%	4.55%	5.35%	–	$5,000
Great Southern Bank	Standard Rate Term Deposit 13-60 months (A)	–	–	–	4.25%	$5,000
Great Southern Bank	Standard Rate Term Deposit 13-60 months (M)	–	–	–	4.15%	$5,000
Great Southern Bank	Standard Rate Term Deposit 2-12 months	5.00%	4.45%	5.25%	–	$5,000
Greater Bank	Term Investment - Interest 6 Monthly	–	–	–	–	$1,000
Greater Bank	Term Investment - Interest @ Maturity	4.50%	5.10%	5.30%	–	$1,000
Greater Bank	Term Investment - Interest Monthly	–	5.00%	5.20%	–	$1,000
Health Professionals Bank	Term Deposit	4.95%	5.10%	5.35%	4.25%	$1,000
Health Professionals Bank	Term Deposit for Customers	4.95%	5.10%	5.35%	4.25%	$1,000
Health Professionals Bank	Term Deposit for Edvest Members	5.00%	5.15%	5.40%	4.30%	$1,000
Heartland	Broker Term Deposit	4.90%	5.30%	5.55%	5.20%	$5,000
Heartland	Term Deposit	4.95%	5.45%	5.50%	5.25%	$5,000
Horizon Bank	Term Deposit	4.60%	4.90%	5.10%	4.90%	$1,000
IMB Bank	Term Deposit	4.90%	5.00%	5.15%	4.50%	$1,000
ING BANK (Australia) Ltd	Personal Term Deposits	5.05%	5.20%	5.30%	5.25%	$10,000
Judo Bank	Personal Term Deposits changed 16 Oct	4.90%	4.95%	5.55%	5.55%	$1,000
Laboratories Credit Union	Fixed Term Deposit	–	–	4.60%	–	$1,000
Laboratories Credit Union	Monthly Interest 12 Month Term Deposit	–	–	4.90%	–	$1,000
Macquarie Bank Limited	Macquarie Digital Term Deposit	5.05%	5.20%	5.35%	–	$25,000
Macquarie Bank Limited	Macquarie Term Deposit	5.05%	5.20%	5.35%	2.00%	$5,000
Maitland Mutual Limited	Term Deposit	4.85%	5.20%	5.30%	5.20%	$1,000
ME Bank - ME Go	ME Go Term Deposit	5.00%	5.25%	5.37%	–	$5,000
MyState Bank	AMM - Regular Term Deposit	5.00%	5.20%	5.30%	–	$5,000
MyState Bank	E&P - Regular Term Deposit	5.00%	5.20%	5.30%	–	$5,000
MyState Bank	Online Term Deposit	4.95%	5.00%	5.25%	5.15%	$5,000
MyState Bank	Ord Minnett - Regular Term Deposit	5.00%	5.20%	5.30%	–	–
MyState Bank	Regular Term Deposit	4.95%	5.00%	5.25%	5.15%	$5,000
NATIONAL AUSTRALIA BANK	NAB Term Deposit	3.35%	3.50%	5.30%	5.00%	$5,000
Newcastle Permanent	Term Deposit	–	–	5.20%	4.25%	$1,000
Northern Inland Credit Union Limited	12 MONTHS Term Deposit with interest paid at maturity/annually	–	–	4.90%	–	$5,000
Northern Inland Credit Union Limited	12 MONTHS Term Deposit with interest paid at maturity/annually	–	–	4.90%	–	$1,000
Northern Inland Credit Union Limited	12 MONTHS Term Deposit with interest paid monthly	–	–	4.65%	–	$5,000
Northern Inland Credit Union Limited	24 MONTHS Term Deposit with interest paid at maturity/annually	–	–	–	4.10%	$5,000
Northern Inland Credit Union Limited	24 MONTHS Term Deposit with interest paid at maturity/annually	–	–	–	4.10%	$1,000
Northern Inland Credit Union Limited	24 MONTHS Term Deposit with interest paid monthly	–	–	–	3.85%	$5,000
Northern Inland Credit Union Limited	3 MONTHS Term Deposit with interest paid at maturity/annually	3.25%	–	–	–	$5,000
Northern Inland Credit Union Limited	3 MONTHS Term Deposit with interest paid at maturity/annually	3.25%	–	–	–	$1,000
Northern Inland Credit Union Limited	3 MONTHS Term Deposit with interest paid monthly	3.00%	–	–	–	$5,000
Northern Inland Credit Union Limited	6 MONTHS Term Deposit with interest paid at maturity/annually	–	4.00%	–	–	$5,000
Northern Inland Credit Union Limited	6 MONTHS Term Deposit with interest paid at maturity/annually	–	4.00%	–	–	$1,000
Northern Inland Credit Union Limited	6 MONTHS Term Deposit with interest paid monthly	–	3.75%	–	–	$5,000
Northern Inland Credit Union Limited	9 MONTHS Term Deposit with interest paid at maturity/annually	–	–	–	–	$5,000
Northern Inland Credit Union Limited	9 MONTHS Term Deposit with interest paid at maturity/annually	–	–	–	–	$1,000
Northern Inland Credit Union Limited	9 MONTHS Term Deposit with interest paid monthly	–	–	–	–	$5,000
ORANGE CREDIT UNION LTD	12MTH FIXED TERM DEPOSIT	–	–	5.20%	–	$1,000
ORANGE CREDIT UNION LTD	12MTH FIXED TERM DEPOSIT WEALTH BUILDER	–	–	5.35%	–	$50,000
ORANGE CREDIT UNION LTD	24 MONTHS	–	–	–	4.50%	$1,000
ORANGE CREDIT UNION LTD	24MTH FIXED TERM DEPOSIT WEALTH BUILDER	–	–	–	4.55%	$50,000
ORANGE CREDIT UNION LTD	3MTH FIXED TERM DEPOSIT	1.00%	–	–	–	$1,000
ORANGE CREDIT UNION LTD	6MTH FIXED TERM DEPOSIT	–	1.25%	–	–	$1,000
ORANGE CREDIT UNION LTD	9MTH FIXED TERM DEPOSIT	–	–	–	–	$1,000
P&N Bank	& Retirement Term Deposit	3.85%	–	–	–	$5,000
P&N Bank	10 Month Term Deposit	–	–	–	–	$5,000
P&N Bank	11 Month Term Deposit	–	–	–	–	$5,000
P&N Bank	12 Month Term Deposit	–	–	5.30%	–	$5,000
P&N Bank	2 Month Term Deposit	–	–	–	–	$5,000
P&N Bank	3 Month Term Deposit	3.75%	–	–	–	$5,000
P&N Bank	4 Month Term Deposit	–	–	–	–	$5,000
P&N Bank	5 Month Term Deposit	–	–	–	–	$5,000
P&N Bank	6 Month Term Deposit	–	5.20%	–	–	$5,000
P&N Bank	7 Month Term Deposit	–	–	–	–	$5,000
P&N Bank	8 Month Term Deposit	–	–	–	–	$5,000
P&N Bank	9 Month Term Deposit	–	–	–	–	$5,000
P&N Bank	TD 12-35 Mth (Mth Int)	–	–	–	–	$5,000
P&N Bank	TD 12-35 Mth (Qrt Int)	–	–	–	–	$5,000
P&N Bank	TD 12-35 Mth (Yr Int)	–	–	–	–	$5,000
P&N Bank	TD 36-60 Mth (Mth Int)	–	–	–	–	$5,000
P&N Bank	TD 36-60 Mth (Qrt Int)	–	–	–	–	$5,000
P&N Bank	TD 36-60 Mth (Yr Int)	–	–	–	–	$5,000
People First and Heritage Bank	Term Deposit	4.00%	5.00%	5.20%	5.25%	$1,000
Police Bank	Term Deposit	4.30%	4.85%	5.00%	4.60%	$1,000
Police Credit Union Ltd	ADELAIDE TERM DEPOSIT	3.00%	3.60%	3.85%	3.60%	$5,000
Police Credit Union Ltd	CONTACT TERM DEPOSIT	3.00%	3.60%	3.85%	3.60%	$5,000
Police Credit Union Ltd	MARION TERM DEPOSIT	3.00%	3.60%	3.85%	3.60%	$5,000
Police Credit Union Ltd	MT BARKER TERM DEPOSIT	3.00%	3.60%	3.85%	3.60%	$5,000
Police Credit Union Ltd	MT GAMBIER TRM DEPOSIT	3.00%	3.60%	3.85%	3.60%	$5,000
Police Credit Union Ltd	PALMERSTON TRM DEPOSIT	3.00%	3.60%	3.85%	3.60%	$5,000
Police Credit Union Ltd	TTP TERM DEPOSIT	3.00%	3.60%	3.85%	3.60%	$5,000
Police Credit Union Ltd	YORKETOWN TERM DEPOSIT	3.00%	3.60%	3.85%	3.60%	$5,000
QBANK	Term Deposit 12 Month	–	–	5.05%	–	$2,000
QBANK	Term Deposit 18 Month	–	–	–	–	$2,000
QBANK	Term Deposit 24 Month	–	–	–	4.50%	$2,000
QBANK	Term Deposit 3 Month	4.60%	–	–	–	$2,000
QBANK	Term Deposit 36 Month	–	–	–	–	$2,000
QBANK	Term Deposit 48 Month	–	–	–	–	$2,000
QBANK	Term Deposit 6 Month	–	4.90%	–	–	$2,000
QBANK	Term Deposit 60 Month	–	–	–	–	$2,000
QBANK	Term Deposit 9 Month	–	–	–	–	$2,000
Qudos Bank	Term Deposits	5.10%	5.30%	5.50%	5.40%	$5,000
Queensland Country Bank	FTD - Interest Annually	–	–	–	5.00%	$1,000
Queensland Country Bank	FTD - Interest at Maturity	3.60%	3.80%	5.30%	5.00%	$1,000
Queensland Country Bank	FTD - Interest Monthly	3.60%	3.80%	5.20%	4.90%	$1,000
Queensland Country Bank	FTD Retirees Interest Monthly	3.60%	3.80%	5.30%	5.00%	$1,000
Queensland Country Bank	Special 10 month	–	–	–	–	$5,000
Queensland Country Bank	Special 5 month	–	–	–	–	$5,000
Rabobank	Online Term Deposit changed 13 Oct	4.90%	5.10%	5.25%	5.05%	$1,000
Rabobank	Online Term Deposit (Trust) changed 13 Oct	4.70%	4.90%	5.05%	4.85%	$1,000
RACQ Bank	Term Deposit	5.25%	5.45%	5.35%	3.30%	$1,000
Regional Australia Bank	Term Savings	3.50%	4.90%	5.25%	4.70%	$1,000
RSL Money	RSL Member Income Plus	4.30%	4.00%	3.60%	–	$1,000
RSL Money	RSL Member Investment Plus	4.30%	4.00%	3.60%	3.55%	$1,000
RSL Money	RSL Sub-Branch Income Plus	4.30%	4.00%	3.60%	–	$1,000
RSL Money	RSL Sub-Branch Investment Plus	4.30%	4.00%	3.60%	3.55%	$1,000
Southern Cross Credit Union	TERM DEPOSIT	5.00%	5.20%	5.30%	4.70%	$5,000
St.George Bank	Term Deposit changed 16 Oct	3.25%	3.40%	5.30%	4.50%	$1,000
Summerland Bank	Fixed Term Deposit	3.50%	4.90%	5.25%	4.70%	$1,000
Suncorp Bank	Term Deposit	5.05%	4.80%	5.40%	5.50%	$5,000
SWSbank	12 Month Term Deposit	–	–	5.00%	–	$500
SWSbank	24 Month Term Deposit	–	–	–	4.80%	$500
SWSbank	3 Month Term Deposit	3.35%	–	–	–	$500
SWSbank	6 Month Term Deposit	–	3.50%	–	–	$500
SWSbank	9 Month Term Deposit	–	–	–	–	$500
Teachers Mutual Bank	Term Deposit	4.95%	5.10%	5.35%	4.25%	$1,000
Teachers Mutual Bank	Term Deposit for Customers	4.95%	5.10%	5.35%	4.25%	$1,000
Teachers Mutual Bank	Term Deposit for Edvest Members	5.00%	5.15%	5.40%	4.30%	$1,000
The Capricornian	Term Deposit	4.30%	4.95%	5.20%	5.10%	$5,000
The Mac	MINI MAC TERM DEPOSIT	–	–	5.00%	–	$500
The Mac	TERM SAVINGS I4	3.50%	4.80%	5.00%	3.70%	$2,000
The Mac	YOUTH SAVER TERM DEP.	–	–	5.00%	–	$500
TMCU	24 MONTH TERM	–	–	–	3.20%	$1,000
TMCU	24 MTHS 4WKLY INT.	–	–	–	3.20%	$1,000
TMCU	24 MTHS [EDVEST]	–	–	–	3.55%	$1,000
TMCU	3M TO LESS THAN 6M	–	3.60%	–	–	$1,000
TMCU	6M TO LESS THAN 12M	–	–	–	–	$1,000
TMCU	I22_12_TO_23_MONTHS	–	–	–	–	$1,000
TMCU	I24_12_TO_23_MTHS_INT_4_WKLY	–	–	–	–	$1,000
TMCU	TERM 12-23MTHS (EDV)	–	–	–	–	$1,000
UniBank	Term Deposit	4.95%	5.10%	5.35%	4.25%	$1,000
UniBank	Term Deposit for Customers	4.95%	5.10%	5.35%	4.25%	$1,000
UniBank	Term Deposit for Edvest Members	5.00%	5.15%	5.40%	4.30%	$1,000
Unity Bank	Term Deposit	5.10%	5.35%	5.50%	5.55%	$1,000
Westpac	Term Deposit	3.25%	3.40%	5.20%	–	$5,000
Woolworths Team Bank	12 MONTHS	–	–	4.00%	–	$2,000
Woolworths Team Bank	18 MONTHS	–	–	–	–	$2,000
Woolworths Team Bank	24 MONTHS	–	–	–	1.95%	$2,000
Woolworths Team Bank	3 MONTHS	4.10%	–	–	–	$2,000
Woolworths Team Bank	6 MONTHS	–	4.00%	–	–	$2,000
Woolworths Team Bank	7 MONTHS	–	–	–	–	$2,000
Woolworths Team Bank	9 MONTHS	–	–	–	–	$2,000

Worth knowing

Most term deposits roll over into a new term when they end, often at a lower rate, unless you tell the bank otherwise.
Taking money out early usually means giving notice (often 31 days) and losing some interest.
Deposits up to $250,000 per person at each bank are covered by the government's Financial Claims Scheme.

Rates changed on 838 products since 12 October 2026. Each one is marked "changed" below.

General information, not advice. This shows what banks publish. It doesn't recommend any product, and the order of a table is not a ranking. Rates change, so check the bank's own page for current details before you decide anything.

Source: each bank's own product data, published under the Consumer Data Right, as at 16 October 2026. Every product name links to its page at the bank.