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Rates · Term deposits

Term deposits: every current advertised rate

535 term deposits from 80 lenders, highest rate first, each the figure its lender publishes under the Consumer Data Right today. 79 products restricted by occupation, employer or membership are left out and listed on the lender's page. One row per lender, its best product, with a count of its other products. Click a product for every rate, its 30-day history and its latest moves. How to read deposit rates.

Highest rate
5.65%
Gateway Bank
Median rate
4.75%
across 535 products
Lenders
80
with a current rate

The highest rate, 5.65%, is 0.90 points above the median of 4.75% on this page; 35 lenders price within 0.25 points of it. In the last 30 days 54 lenders repriced a term deposit: 11 cut a rate and 53 lifted one. The latest was Great Southern Bank on 3 November 2026, lifting Standard Rate Term Deposit 1-12 months from 3.95% to 5.30%.

By term

3 months6 months9 months12 months18 months2 years3 years4 years5 years

Best rate by lender (80)

LenderProductAdvertised rateConditions
Gateway BankPackage TD 12 Months +33 more5.65%introductory rate
Judo BankPersonal Term Deposits5.65%
CommFCU12 Month Term Deposit Special +10 more5.60%
HeartlandBroker Term Deposit +1 more5.60%
Bank AustraliaTerm Deposit 12 months +12 more5.60%
Qudos BankTerm Deposits5.60%
AMP BankAMP Bank GO 12 Month Term Deposit +1 more5.55%
Unity BankTerm Deposit5.55%
DnisterTerm Deposit - 12 Months +13 more5.55%
Bank First1 Year Term Deposit +14 more5.50%
First Option Bank12 Month Fixed Term +10 more5.50%
ME Bank - ME GoME Go Term Deposit5.50%
Suncorp BankTerm Deposit +1 more5.50%
Alex.BankTerm Deposit - Intermediary +2 more5.50%
Police Credit UnionAdelaide Term Deposit +7 more5.45%
Australian Military BankInvestment Plus +1 more5.45%
RSL MoneyRSL Member Income Plus +3 more5.45%
Great Southern BankStandard Rate Term Deposit 1-12 months +3 more5.45%
RACQ BankTerm Deposit5.45%
People's Choice and HeritageTerm Deposit +1 more5.45%
QBankTerm Deposit 12 Month +7 more5.45%
Darling Downs BankFixed Term Deposits +55 more5.40%
Hume BankFarm Management Deposit 12M (Interest at Maturity) +18 more5.40%
Auswide BankMaturity Term Deposit +2 more5.40%
Macquarie BankMacquarie Digital Term Deposit +1 more5.40%
MyState BankOnline Term Deposit +4 more5.40%
BNK BankStow It Term Deposit Account5.40%
Newcastle Permanent Building SocietyTerm Deposit5.40%
BankSATerm Deposit5.40%bonus rate: PLUS, an additional 0.10% p.a.
Bank of MelbourneTerm Deposit5.40%bonus rate: PLUS, an additional 0.10% p.a.
Maitland MutualTerm Deposit +1 more5.40%
Defence BankTerm Deposit 10 month +12 more5.40%
Greater BankTerm Investment - Interest @ Maturity +2 more5.40%
Geelong BankTwelve Month Term Deposit +5 more5.40%
Bank of QueenslandmyBOQ Term Deposit +2 more5.40%
Orange Credit Union12mth Fixed Term Deposit Wealth Builder +6 more5.35%
Bank of usFixed Term Investment5.35%
bankWAWFarm Management Deposit 12-24 months interest annually +19 more5.35%
RabobankOnline Term Deposit +13 more5.35%
INGPersonal Term Deposits5.35%
UniBankTerm Deposit +1 more5.35%
Teachers Mutual BankTerm Deposit for Customers5.35%
Firefighters Mutual BankTerm Deposit for Customers5.35%
Health Professionals BankTerm Deposit for Customers5.35%
P&N Bank12 Month Term Deposit +16 more5.30%
BCU Bank12 Month Term Deposit +32 more5.30%
ANZANZ Advance Notice Term Deposit +2 more5.30%
BankwestBankwest Term Deposit5.30%
CBABusiness Investment Account +4 more5.30%
Queensland Country BankFTD - Interest at Maturity +13 more5.30%
Beyond Bank AustraliaINV - 9 Mth Capitalise +13 more5.30%
NABNAB Term Deposit +1 more5.30%
Southern Cross Credit UnionTerm Deposit5.30%
Credit Union SATerm Deposit5.30%
IMB BankTerm Deposit5.30%
St.George BankTerm Deposit5.30%bonus rate: PLUS, an additional 0.10% p.a.
Bank of SydneyTerm Deposit5.30%
Summerland BankFixed Term Deposit5.25%
GMCUFixed Term Deposit - 6 to 8 months +7 more5.25%
Police BankTerm Deposit5.25%
Border BankTerm Deposit5.25%
Bank of ChinaTerm Deposit AUD 11M +21 more5.25%
Regional Australia BankTerm Savings5.25%
Bendigo BankFixed Rate Farm Management Deposit +3 more5.20%
The MacTerm Savings I45.20%
The CapricornianTerm Deposit5.20%
WestpacTerm Deposit +1 more5.20%bonus rate: an additional online bonus rate will be added when you open or renew online.
Arab Bank AustraliaFixed Term Deposit - Personal +1 more5.15%
Coastline BankI22 Term Deposit 12 Mths +3 more5.15%
BankVicTerm Deposit 9 Months +15 more5.15%
Horizon BankTerm Deposit5.10%
Central West Credit Union$5000+ (12m - 24m) I4 +7 more5.00%
SWSbank12 Month Term Deposit +4 more5.00%
Broken Hill BankFtd - 12 Months +4 more5.00%
Cairns BankTerm deposits 12mths over $500,000 mthly interest +4 more5.00%
Northern Inland Credit Union12 MONTHS Term Deposit with interest paid at maturity/annually +9 more4.90%
Laboratories Credit UnionMonthly Interest 12 Month Term Deposit +1 more4.90%
Central Murray BankTerm Deposit 12 Months +25 more4.50%
HSBC Bank Australia Limited - Wholesale BankingTerm Deposit Account +1 more3.79%
TMCU3m To Less Than 6m +8 more3.60%

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