Australian Term Deposit Rates

Compare term deposit rates from a wide range of Australian banks and financial institutions.

Last updated: Fetching...

Short Term (<= 6 months)

Bank Term
Australian Military Bank 3 Months 3.05% p.a.
Australian Military Bank 4 Months 3.75% p.a.
Australian Military Bank 5 Months 4.00% p.a.
Australian Military Bank 6 Months 4.20% p.a.
Bank of us 1 Month 2.00% p.a.
Bank of us 2 Months 2.00% p.a.
Bank of us 3 Months 4.10% p.a.
Bank of us 4 Months 4.10% p.a.
Bank of us 5 Months 4.05% p.a.
Bank of us 6 Months 4.05% p.a.
Bankwest 1 month 2.00% p.a.
Bankwest 2 months 2.00% p.a.
Bankwest 3 months 3.75% p.a.
Bankwest 4 months 3.00% p.a.
Bankwest 5 months 4.00% p.a.
Bankwest 6 months 3.80% p.a.
Bendigo Bank 4 month 3.05% p.a.
Beyond Bank 3 Months 3.85% p.a.
Community First Bank 3 Months 4.10% p.a.
Community First Bank 6 Months 4.05% p.a.
Heartland Bank 3 month term 4.05% p.a.
Heartland Bank 6 month term 4.25% p.a.
IMB Bank 1 - 3 Months 1.00 % p.a.
IMB Bank 3 - 6 Months 1.20 % p.a.
IMB Bank 3 Month Special 2 4.00 % p.a.
IMB Bank 6 - 9 Months 1.95 % p.a.
IMB Bank 6 Month Special 2 3.90 % p.a.
Judo Bank 1 Month 2.10% p.a.
Judo Bank 2 Months 2.20% p.a.
Judo Bank 3 Months 3.80% p.a.
Judo Bank 4 Months 4.05% p.a.
Judo Bank 5 Months 4.10% p.a.
Judo Bank 6 Months 3.80% p.a.
ME Bank 3 Months 4.00% p.a.
ME Bank 6 Months 4.10% p.a.
MOVE Bank 3 Months 4.15% p.a.
MOVE Bank 4 Months 4.20% p.a.
MOVE Bank 5 Months 4.25% p.a.
MOVE Bank 6 Months 4.35% p.a.
Macquarie Bank 1 month 2.10% p.a.
Macquarie Bank 2 months 2.10% p.a.
Macquarie Bank 3 months 3.70% p.a.
Macquarie Bank 4 months 3.65% p.a.
Macquarie Bank 6 months 3.60% p.a.
NAB 4 months 2.90% p.a.
NAB 5 months 2.90% p.a.
NAB 6 months 3.40% p.a.
P&N Bank 2 months 1.60% p.a.
P&N Bank 3 months 3.90% p.a.
P&N Bank 4  months 4.10% p.a.
P&N Bank 5 months 3.00% p.a.
P&N Bank 6 months 3.80% p.a.
QBank 3 Months 4.00% p.a.
QBank 4 Months 4.00% p.a.
QBank 5 Months 4.00% p.a.
QBank 6 Months 4.25% p.a.
Qudos Bank 3 Months 4.15% p.a.
Qudos Bank 6 Months 4.15% p.a.
RACQ Bank 1 month 0.55% p.a.
RACQ Bank 2 month 1.60% p.a.
RACQ Bank 3 month 4.00% p.a.
RACQ Bank 4 month 3.50% p.a.
RACQ Bank 5 month 3.50% p.a.
RACQ Bank 6 month 3.95% p.a.
Rabobank 1 month 2.00% p.a.
Rabobank 3 months 4.00% p.a.
Rabobank 6months 4.00% p.a.
Regional Australia Bank 3 months (Amounts from $1,000 to $500,000) 2.95% p.a.
Regional Australia Bank 4 months (Amounts from $1,000 to $500,000) 4.05% p.a.
Regional Australia Bank 6 months (Amounts from $1,000 to $500,000) 3.95% p.a.
Suncorp Bank 1 Month 1.30% p.a.
Suncorp Bank 2 Months 2.00% p.a.
Suncorp Bank 3 Months 4.00% p.a.
Suncorp Bank 4 Months 3.45% p.a.
Suncorp Bank 5 Months 3.45% p.a.
Suncorp Bank 6 Months 4.15% p.a.
Teachers Mutual Bank 3 months 4.00% p.a.
Teachers Mutual Bank 6 months 4.10% p.a.
UniBank (Australia) 3 months 4.00% p.a.
UniBank (Australia) 6 months 4.10% p.a.
Unity Bank (Australia) 3 months 4.00% p.a.
Unity Bank (Australia) 6 months 4.05% p.a.
Westpac 3 months 2.75% p.a.
Westpac 6 months 3.00% p.a.

Medium Term (> 6 months & <= 12 months)

Bank Term
ANZ 8 Month 3.80% p.a.
Australian Military Bank 10 to 11 Months 3.85% p.a.
Australian Military Bank 12 Months 3.75% p.a.
Australian Military Bank 7 to 8 Months 3.75% p.a.
Australian Military Bank 9 Months 3.75% p.a.
Bank of us 10 Months 3.90% p.a.
Bank of us 11 Months 3.90% p.a.
Bank of us 12 Months 3.85% p.a.
Bank of us 12 Months | interest paid monthly 3.75% p.a.
Bank of us 12 months 3.90% p.a.
Bank of us 7 Months 4.05% p.a.
Bank of us 8 Months 3.90% p.a.
Bank of us 9 Months 3.95% p.a.
Bankwest 1 year 3.70% p.a.
Bankwest 10 months 3.60% p.a.
Bankwest 11 months 4.00% p.a.
Bankwest 12 months 3.70% p.a.
Bankwest 7 months 3.70% p.a.
Bankwest 8 months 3.70% p.a.
Bankwest 9 months 3.70% p.a.
Bendigo Bank 12 month 3.60% p.a.
Bendigo Bank 7 month 3.80% p.a.
Bendigo Bank 9 month 3.20% p.a.
Community First Bank 12 Months 4.10% p.a.
Heartland Bank 12 month term 4.00% p.a.
Heartland Bank 9 month term 4.12% p.a.
IMB Bank 12 - 24 Months 1.95 % p.a.
IMB Bank 12 Month Special 3.73 % p.a.
IMB Bank 12 Month Special 2 3.80 % p.a.
IMB Bank 12 Months 1.90 % p.a.
IMB Bank 9 - 12 Months 1.95 % p.a.
Judo Bank 1 Year 3.80% p.a.
Judo Bank 10 Months 3.95% p.a.
Judo Bank 11 Months 4.00% p.a.
Judo Bank 7 Months 4.25% p.a.
Judo Bank 8 Months 4.10% p.a.
Judo Bank 9 Months 4.00% p.a.
MOVE Bank 10 Months 3.90% p.a.
MOVE Bank 11 Months 3.90% p.a.
MOVE Bank 12 Months 4.05% p.a.
MOVE Bank 7 Months 4.00% p.a.
MOVE Bank 8 Months 4.00% p.a.
MOVE Bank 9 Months 4.15% p.a.
Macquarie Bank 1 year 3.45% p.a.
Macquarie Bank 9 months 3.60% p.a.
NAB 10 months 3.25% p.a.
NAB 11 months 3.30% p.a.
NAB 12 months 4.00% p.a.
NAB 7 months 3.80% p.a.
NAB 8 months 3.10% p.a.
NAB 9 months 3.15% p.a.
Newcastle Permanent 1 year 3.70% p.a.
P&N Bank 10 months 3.45% p.a.
P&N Bank 11 months 3.55% p.a.
P&N Bank 12 - 35 months 3.40% p.a.
P&N Bank 12 months 3.70% p.a.
P&N Bank 7 months 3.70% p.a.
P&N Bank 8 months 3.70% p.a.
P&N Bank 9 months 3.60% p.a.
QBank 1 Year 4.35% p.a.
QBank 10 Months 4.30% p.a.
QBank 11 Months 4.30% p.a.
QBank 7 Months 4.25% p.a.
QBank 8 Months 4.25% p.a.
QBank 9 Months 4.30% p.a.
Qudos Bank 12 Months 4.10% p.a.
Qudos Bank 9 Months 4.20% p.a.
RACQ Bank 1 year 3.75% p.a.
RACQ Bank 10 month 3.50% p.a.
RACQ Bank 11 month 3.50% p.a.
RACQ Bank 7 month 3.50% p.a.
RACQ Bank 8 month 3.50% p.a.
RACQ Bank 9 month 3.75% p.a.
Rabobank 9months 3.85% p.a.
Regional Australia Bank 12 months (Amounts $1,000 to $500,000) 3.50% p.a.
Regional Australia Bank 9 months (Amounts $1,000 to $500,000) 3.60% p.a.
Suncorp Bank 10 Months 3.45% p.a.
Suncorp Bank 11 Months 3.45% p.a.
Suncorp Bank 12 Months 3.50% p.a.
Suncorp Bank 7 Months 3.45% p.a.
Suncorp Bank 8 Months 3.45% p.a.
Suncorp Bank 9 Months 3.70% p.a.
Teachers Mutual Bank 12 months 4.05% p.a.
Teachers Mutual Bank 9 months 3.85% p.a.
UniBank (Australia) 12 months 4.05% p.a.
UniBank (Australia) 9 months 3.85% p.a.
Unity Bank (Australia) 1 year 3.85% p.a.
Unity Bank (Australia) 9 months 3.95% p.a.
Westpac 12 months 3.65% p.a.

Long Term (> 1 year & <= 5 years)

Bank Term
Australian Military Bank 13 to 15 Months 3.55% p.a.
Australian Military Bank 16 to 23 Months 3.55% p.a.
Australian Military Bank 24 to 36 Months 3.55% p.a.
Bank of us 13 - 17 Months 3.85% p.a.
Bank of us 18 - 23 Months 3.85% p.a.
Bank of us 18-23 Months 3.75% p.a.
Bank of us 24 Months 3.85% p.a.
Bank of us 24 Months | interest paid monthly 3.60% p.a.
Bank of us 24 months 3.75% p.a.
Bank of us 36 Months 3.70% p.a.
Bank of us 36 months 3.60% p.a.
Bankwest 2 years 3.50% p.a.
Bankwest 3 years 3.50% p.a.
Bankwest 4 years 3.55% p.a.
Bankwest 5 years 3.55% p.a.
Community First Bank 2 Years 3.40% p.a.
Community First Bank 3 Years 3.25% p.a.
Heartland Bank 24 month term 3.45% p.a.
Heartland Bank 36 month term 3.25% p.a.
Heartland Bank 48 month term 2.95% p.a.
Heartland Bank 60 month term 2.85% p.a.
IMB Bank 24 - 36 Months 1.95 % p.a.
IMB Bank 24 Month Special 3.44 % p.a.
IMB Bank 36 - 48 Months 1.95 % p.a.
IMB Bank 36 Month Special 3.60 % p.a.
IMB Bank 48 - 60 Months 1.95 % p.a.
IMB Bank 48 Month Special 4.00 % p.a.
IMB Bank 60 Month Special 4.00 % p.a.
IMB Bank 60 Months 1.95 % p.a.
Judo Bank 2 Years 3.95% p.a.
Judo Bank 3 Years 4.00% p.a.
Judo Bank 4 Years 4.20% p.a.
Judo Bank 5 Years 4.30% p.a.
MOVE Bank 13 to 14 Months 3.85% p.a.
MOVE Bank 15 to 23 Months 3.85% p.a.
MOVE Bank 24 Months 3.85% p.a.
Macquarie Bank 2 years 3.35% p.a.
Macquarie Bank 3 years 3.30% p.a.
Macquarie Bank 4 years 3.45% p.a.
Macquarie Bank 5 years 3.45% p.a.
NAB 24 months 3.80% p.a.
Newcastle Permanent 2 years 3.30% p.a.
Newcastle Permanent 3 years 3.50% p.a.
Newcastle Permanent 4 years 3.30% p.a.
Newcastle Permanent 5 years 3.30% p.a.
P&N Bank 36 - 60 months 3.35% p.a.
QBank 18 Months 4.25% p.a.
QBank 2 Years 4.20% p.a.
QBank 3 Years 4.15% p.a.
QBank 4 Years 4.10% p.a.
QBank 5 Years 4.05% p.a.
Qudos Bank 24 Months 3.80% p.a.
Qudos Bank 36 Months 3.80% p.a.
RACQ Bank 2 year 3.30% p.a.
RACQ Bank 3 year 3.30% p.a.
RACQ Bank 4 year 3.30% p.a.
RACQ Bank 5 year 3.30% p.a.
Rabobank 15 months N/A 3.25% p.a.
Rabobank 18 months N/A 3.25% p.a.
Rabobank 3 years N/A 3.55% p.a.
Regional Australia Bank 18 months (Amounts $1,000 to $500,000) 3.35% p.a.
Regional Australia Bank 24 months (Amounts $1,000 to $500,000) 3.25% p.a.
Regional Australia Bank 36 months (Amounts $1,000 to $500,000) 3.20% p.a.
Regional Australia Bank 48 months (Amounts $1,000 to $500,000) 3.10% p.a.
Regional Australia Bank 60 months (Amounts $1,000 to $500,000) 3.15% p.a.
Suncorp Bank 18 Months 4.00% p.a.
Suncorp Bank 24 Months 3.70% p.a.
Suncorp Bank 36 Months 3.20% p.a.
Suncorp Bank 48 Months 3.20% p.a.
Suncorp Bank 60 Months 3.20% p.a.
Teachers Mutual Bank 18 months 3.25% p.a.
Teachers Mutual Bank 24 months 3.25% p.a.
Teachers Mutual Bank 36 months 3.25% p.a.
UniBank (Australia) 18 months 3.25% p.a.
UniBank (Australia) 24 months 3.25% p.a.
UniBank (Australia) 36 months 3.25% p.a.
Unity Bank (Australia) 2 years 3.60% p.a.
Unity Bank (Australia) 3 years 3.55% p.a.
Unity Bank (Australia) 4 years 3.55% p.a.
Unity Bank (Australia) 5 years 3.55% p.a.

Extra Long Term (> 5 years)

Bank Term

Latest AI Summary

Generated 2025-11-04 04:41:39.301223+00:00 · Snapshot date 20251105

Here's a structured summary comparing the prior and latest Australian term deposit offers:

Rate Increases

  • Judo Bank:
    • 24 Months increased from 3.85% to 3.95% (Delta: +0.10%)
    • 36 Months increased from 3.90% to 4.00% (Delta: +0.10%)
    • 48 Months increased from 4.10% to 4.20% (Delta: +0.10%)
    • 60 Months increased from 4.20% to 4.30% (Delta: +0.10%)
  • Community First Bank:
    • 3 Months increased from 3.90% to 4.10% (Delta: +0.20%)
    • 6 Months increased from 3.95% to 4.05% (Delta: +0.10%)
    • 12 Months increased from 3.85% to 4.10% (Delta: +0.25%)
  • NAB:
    • 12 Months increased from 3.30% to 4.00% (Delta: +0.70%)
  • Heartland Bank:
    • 6 Months increased from 4.28% to 4.35% (Delta: +0.07%)
    • 9 Months increased from 4.15% to 4.22% (Delta: +0.07%)
    • 12 Months increased from 4.15% to 4.25% (Delta: +0.10%)
  • Rabobank:
    • 6 Months increased from 3.95% to 4.00% (Delta: +0.05%)
    • 12 Months increased from 3.70% to 3.80% (Delta: +0.10%)
  • Suncorp Bank:
    • 1 Month increased from 1.25% to 1.30% (Delta: +0.05%)
    • 2 Months increased from 1.95% to 2.00% (Delta: +0.05%)
    • 5 Months increased from 3.20% to 3.45% (Delta: +0.25%)
    • 6 Months increased from 4.10% to 4.15% (Delta: +0.05%)
    • 7 Months increased from 3.35% to 3.45% (Delta: +0.10%)
    • 8 Months increased from 3.40% to 3.45% (Delta: +0.05%)
    • 9 Months increased from 3.65% to 3.70% (Delta: +0.05%)
    • 10 Months increased from 3.30% to 3.45% (Delta: +0.15%)
    • 11 Months increased from 3.30% to 3.45% (Delta: +0.15%)
    • 12 Months increased from 3.45% to 3.50% (Delta: +0.05%)
    • 18 Months increased from 3.80% to 4.00% (Delta: +0.20%)
    • 24 Months increased from 3.65% to 3.70% (Delta: +0.05%)
    • 36 Months increased from 3.15% to 3.20% (Delta: +0.05%)
    • 48 Months increased from 3.15% to 3.20% (Delta: +0.05%)
    • 60 Months increased from 3.15% to 3.20% (Delta: +0.05%)
  • QBank:
    • 6 Months increased from 4.05% to 4.25% (Delta: +0.20%)
    • 7 Months increased from 4.05% to 4.25% (Delta: +0.20%)
    • 8 Months increased from 4.05% to 4.25% (Delta: +0.20%)
    • 9 Months increased from 3.95% to 4.30% (Delta: +0.35%)
    • 10 Months increased from 3.80% to 4.30% (Delta: +0.50%)
    • 11 Months increased from 3.80% to 4.30% (Delta: +0.50%)
    • 12 Months increased from 3.70% to 4.35% (Delta: +0.65%)
    • 18 Months increased from 3.25% to 4.25% (Delta: +1.00%)
    • 24 Months increased from 3.25% to 4.20% (Delta: +0.95%)
    • 36 Months increased from 3.25% to 4.15% (Delta: +0.90%)
    • 48 Months increased from 3.25% to 4.10% (Delta: +0.85%)
    • 60 Months increased from 3.25% to 4.05% (Delta: +0.80%)
  • UniBank (Australia):
    • 6 Months increased from 4.05% to 4.10% (Delta: +0.05%)
    • 12 Months increased from 3.85% to 4.05% (Delta: +0.20%)
  • Teachers Mutual Bank:
    • 6 Months increased from 4.05% to 4.10% (Delta: +0.05%)
    • 12 Months increased from 3.85% to 4.05% (Delta: +0.20%)
  • P&N Bank:
    • 3 Months (Special) increased from 3.85% to 3.90% (Delta: +0.05%)
    • 4 Months increased from 4.05% to 4.10% (Delta: +0.05%)

Rate Decreases

  • Judo Bank:
    • 2 Months decreased from 2.30% to 2.20% (Delta: -0.10%)
    • 3 Months decreased from 3.90% to 3.80% (Delta: -0.10%)
    • 4 Months decreased from 4.15% to 4.05% (Delta: -0.10%)
    • 5 Months decreased from 4.20% to 4.10% (Delta: -0.10%)
    • 6 Months decreased from 3.90% to 3.80% (Delta: -0.10%)
    • 7 Months decreased from 4.35% to 4.25% (Delta: -0.10%)
    • 8 Months decreased from 4.20% to 4.10% (Delta: -0.10%)
    • 9 Months decreased from 4.10% to 4.00% (Delta: -0.10%)
    • 10 Months decreased from 4.05% to 3.95% (Delta: -0.10%)
    • 11 Months decreased from 4.10% to 4.00% (Delta: -0.10%)
    • 12 Months decreased from 3.90% to 3.80% (Delta: -0.10%)
  • Community First Bank:
    • 24 Months decreased from 3.80% to 3.40% (Delta: -0.40%)
    • 36 Months decreased from 3.75% to 3.25% (Delta: -0.50%)
  • RACQ Bank:
    • 3 Months decreased from 4.15% to 4.00% (Delta: -0.15%)
    • 6 Months decreased from 4.10% to 3.95% (Delta: -0.15%)
    • 9 Months decreased from 3.85% to 3.75% (Delta: -0.10%)
    • 12 Months decreased from 3.85% to 3.75% (Delta: -0.10%)
  • Bank of us:
    • 3 Months (Maturity) decreased from 4.20% to 4.10% (Delta: -0.10%)
    • 4 Months (Maturity) decreased from 4.20% to 4.10% (Delta: -0.10%)
    • 5 Months (Maturity) decreased from 4.20% to 4.05% (Delta: -0.15%)
    • 6 Months (Maturity) decreased from 4.15% to 4.05% (Delta: -0.10%)
    • 7 Months (Maturity) decreased from 4.15% to 4.05% (Delta: -0.10%)
    • 9 Months (Maturity) decreased from 4.05% to 3.95% (Delta: -0.10%)
    • 12 Months (Maturity) decreased from 4.00% to 3.90% (Delta: -0.10%)
    • 36 Months (Maturity) decreased from 3.75% to 3.70% (Delta: -0.05%)
  • Rabobank:
    • 3 Months decreased from 4.05% to 4.00% (Delta: -0.05%)
    • 15 Months decreased from 3.30% to 3.25% (Delta: -0.05%)
    • 18 Months decreased from 3.35% to 3.25% (Delta: -0.10%)
    • 36 Months decreased from 3.70% to 3.55% (Delta: -0.15%)
    • 48 Months decreased from 4.15% to 4.00% (Delta: -0.15%)
    • 60 Months decreased from 4.30% to 4.15% (Delta: -0.15%)
  • Macquarie Bank:
    • 3 Months decreased from 4.00% to 3.90% (Delta: -0.10%)
    • 4 Months decreased from 3.95% to 3.90% (Delta: -0.05%)
    • 6 Months decreased from 3.90% to 3.85% (Delta: -0.05%)

Macro Signals

  • Net upward pressure: More increases (44) than decreases (35) observed across the market, indicating a slight bias towards higher term deposit rates.
  • Mixed yield curve shifts: While there's a general upward bias, some short-term rates decreased (e.g., Judo Bank, RACQ Bank) while others increased significantly (e.g., NAB, QBank). Similarly, long-term rates show a mixed bag, with some increases (Judo, Suncorp, QBank) and some decreases (Community First, Rabobank, Bank of us). This suggests varied bank-specific strategies and funding needs rather than a uniform market response.
  • Banks are actively adjusting term deposit rates despite the RBA holding the cash rate steady at 3.6%. This indicates individual bank funding cost pressures or competitive responses are influencing rates independently of the immediate RBA decision, suggesting ongoing competition for deposits or adjustments to internal liquidity positions.

Important Disclaimer

The term deposit data presented here is collected with the assistance of AI and is updated on a monthly basis. This data may contain errors or omissions. Market conditions can change rapidly, and no guarantee is provided that the rates shown reflect the most current offerings.

This dashboard is provided strictly for informational and educational purposes. It does not constitute financial, investment, legal, or tax advice, nor should it be interpreted as an offer or solicitation to buy or sell any financial product. You remain solely responsible for your own investment decisions and for seeking independent professional guidance tailored to your personal circumstances.

Always verify the information by visiting the bank's official term deposit page for the most accurate and up-to-date rates and terms before making any financial decisions. By continuing to use this application you acknowledge and accept these limitations.

Explore More