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
AMP 6 Months 5.15% p.a.
Australian Military Bank 3 Months 4.20% p.a.
Australian Military Bank 4 Months 4.20% p.a.
Australian Military Bank 5 Months 4.30% p.a.
Australian Military Bank 6 Months 4.65% p.a.
Bank of Queensland 3 months 4.55% p.a.
Bank of Queensland 4 months 4.55% p.a.
Bank of Queensland 6 months 4.85% 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 4.75% p.a.
Bank of us 4 Months 4.75% p.a.
Bank of us 5 Months 4.80% p.a.
Bank of us 6 Months 4.80% p.a.
Bankwest 1 month 2.00% p.a.
Bankwest 2 months 2.00% p.a.
Bankwest 3 months 4.40% p.a.
Bankwest 4 months 4.00% p.a.
Bankwest 5 months 4.50% p.a.
Bankwest 6 months 4.00% p.a.
Bendigo Bank 1 month 1.20% p.a.
Bendigo Bank 2 months 1.45% p.a.
Bendigo Bank 3 months 2.75% p.a.
Bendigo Bank 4 months 3.60% p.a.
Bendigo Bank 5 months 2.90% p.a.
Bendigo Bank 6 months 3.00% p.a.
Beyond Bank 3 Months 4.30% p.a.
Beyond Bank 6 Months 4.65% p.a.
CommBank 3 Months ($5,000 to $49,999) 3.30% p.a.
CommBank 3 Months ($50,000 to $5,000,000) 3.35% p.a.
CommBank 6 Months ($5,000 to $49,999) 3.45% p.a.
CommBank 6 Months ($50,000 to $5,000,000) 3.50% p.a.
Community First Bank 3 Months 4.70% p.a.
Community First Bank 6 Months 4.85% p.a.
First Option Bank 3 Months 4.00% p.a.
First Option Bank 6 Months 4.15% p.a.
G&C Mutual Bank 3 months 4.90% p.a.
G&C Mutual Bank 6 months 5.10% p.a.
Gateway Bank (Australia) 3 months 4.95% p.a.
Gateway Bank (Australia) 4 months 0.70% p.a.
Gateway Bank (Australia) 5 months 0.70% p.a.
Gateway Bank (Australia) 6 months 5.10% p.a.
Great Southern Bank 1 Month 3.50% p.a.
Great Southern Bank 2 Months 4.00% p.a.
Great Southern Bank 3 Months 4.80% p.a.
Great Southern Bank 4 Months 4.40% p.a.
Great Southern Bank 5 Months 4.40% p.a.
Great Southern Bank 6 Months 4.55% p.a.
Heartland Bank 3 months 4.75% p.a.
Heartland Bank 6 months 5.10% p.a.
IMB Bank 3 - 6 Months 1.45 % p.a.
IMB Bank 3 Month Special 2 4.00 % p.a.
IMB Bank 6 - 9 Months 2.20 % p.a.
IMB Bank 6 Month Special 2 5.00 % p.a.
ING 3 months (90 days) 4.75% p.a.
ING 4 months (120 days) 4.75% p.a.
ING 6 months (180 days) 5.05% p.a.
Judo Bank 1 Month 2.10% p.a.
Judo Bank 2 Months 2.30% p.a.
Judo Bank 3 Months 4.50% p.a.
Judo Bank 4 Months 4.20% p.a.
Judo Bank 5 Months 4.95% p.a.
Judo Bank 6 Months 5.00% p.a.
ME Bank 3 months 4.60% p.a.
ME Bank 4 months 4.65% p.a.
ME Bank 6 months 4.90% p.a.
MOVE Bank 3 Months 4.95% p.a.
MOVE Bank 4 Months 4.95% p.a.
MOVE Bank 5 Months 5.10% p.a.
MOVE Bank 6 Months 5.20% p.a.
Macquarie Bank 1 month (Interest paid at maturity) 2.10% p.a.
Macquarie Bank 1 year (Interest paid monthly) 5.22% p.a.
Macquarie Bank 2 months (Interest paid at maturity) 2.10% p.a.
Macquarie Bank 2 months (Interest paid monthly) 2.10% p.a.
Macquarie Bank 2 years (Interest paid monthly) 3.54% p.a.
Macquarie Bank 3 months (Interest paid at maturity) 4.90% p.a.
Macquarie Bank 3 months (Interest paid monthly) 4.88% p.a.
Macquarie Bank 3 years (Interest paid monthly) 3.59% p.a.
Macquarie Bank 4 months (Interest paid at maturity) 4.90% p.a.
Macquarie Bank 4 months (Interest paid monthly) 4.87% p.a.
Macquarie Bank 4 years (Interest paid monthly) 3.74% p.a.
Macquarie Bank 5 years (Interest paid monthly) 3.74% p.a.
Macquarie Bank 6 months (Interest paid at maturity) 5.10% p.a.
Macquarie Bank 6 months (Interest paid monthly) 5.05% p.a.
Macquarie Bank 6 months (Interest paid quarterly) 5.07% p.a.
NAB 4 months 3.35% p.a.
NAB 5 months 3.40% p.a.
NAB 6 months 3.50% p.a.
P&N Bank 2 months 1.60% p.a.
P&N Bank 3 months 3.75% p.a.
P&N Bank 3 months - Special Offer 3.85% p.a.
P&N Bank 4 months 4.30% p.a.
P&N Bank 5 months 5.25% p.a.
P&N Bank 6 months 3.80% p.a.
QBank 3 months ($10,000-$99,999) 4.30% p.a.
QBank 3 months ($100,000-$249,999) 4.50% p.a.
QBank 3 months ($2,000-$9,999) 4.10% p.a.
QBank 3 months ($250,000-$1,000,000) 4.70% p.a.
QBank 6 months ($10,000-$99,999) 4.55% p.a.
QBank 6 months ($100,000-$249,999) 4.75% p.a.
QBank 6 months ($2,000-$9,999) 4.35% p.a.
QBank 6 months ($250,000-$1,000,000) 4.95% p.a.
Qudos Bank 3 Months 4.80% p.a.
Qudos Bank 6 Months 5.05% p.a.
RACQ Bank 1 month 0.55% p.a.
RACQ Bank 2 months 1.60% p.a.
RACQ Bank 3 months 4.90% p.a.
RACQ Bank 4 months 3.50% p.a.
RACQ Bank 5 months 3.50% p.a.
RACQ Bank 6 months 4.40% p.a.
Rabobank 1 month 1.90% p.a.
Rabobank 3 months 4.70% p.a.
Rabobank 6 months 4.95% p.a.
Regional Australia Bank 3 months ($1,000 to $500,000) 3.50% p.a.
Regional Australia Bank 4 months ($1,000 to $500,000) 4.65% p.a.
Regional Australia Bank 6 months ($1,000 to $500,000) 5.00% p.a.
Suncorp Bank 1 Month ($1,000,000-$2,000,000) 1.35% p.a.
Suncorp Bank 1 Month ($100,000-$999,999) 1.30% p.a.
Suncorp Bank 1 Month ($5,000-$99,999) 1.25% p.a.
Suncorp Bank 2 Months ($1,000,000-$2,000,000) 2.05% p.a.
Suncorp Bank 2 Months ($100,000-$999,999) 2.00% p.a.
Suncorp Bank 2 Months ($5,000-$99,999) 1.95% p.a.
Suncorp Bank 3 Months ($1,000,000-$2,000,000) 3.80% p.a.
Suncorp Bank 3 Months ($100,000-$999,999) 3.75% p.a.
Suncorp Bank 3 Months ($5,000-$99,999) 3.70% p.a.
Suncorp Bank 4 Months ($1,000,000-$2,000,000) 4.80% p.a.
Suncorp Bank 4 Months ($100,000-$999,999) 4.80% p.a.
Suncorp Bank 4 Months ($5,000-$99,999) 4.80% p.a.
Suncorp Bank 5 Months ($1,000,000-$2,000,000) 3.80% p.a.
Suncorp Bank 5 Months ($100,000-$999,999) 3.75% p.a.
Suncorp Bank 5 Months ($5,000-$99,999) 3.70% p.a.
Suncorp Bank 6 Months ($100,000-$999,999) 5.00% p.a.
Suncorp Bank 6 Months ($5,000-$99,999) 5.00% p.a.
Teachers Mutual Bank 3 months 4.80% p.a.
Teachers Mutual Bank 6 months 4.60% p.a.
UniBank (Australia) 3 Months 4.80% p.a.
UniBank (Australia) 6 Months 4.60% p.a.
Unity Bank (Australia) 3 months 4.90% p.a.
Unity Bank (Australia) 6 months 5.10% p.a.

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

Bank Term
AMP 12 Months 5.40% p.a.
ANZ 12 Months 5.25% p.a.
Australian Military Bank 10 to 11 Months 4.70% p.a.
Australian Military Bank 12 Months 5.30% p.a.
Australian Military Bank 7 Months 5.30% p.a.
Australian Military Bank 8 Months 4.60% p.a.
Australian Military Bank 9 Months 4.60% p.a.
Bank of Queensland 12 months 5.10% p.a.
Bank of Queensland 7 months 4.85% p.a.
Bank of Queensland 9 months 5.00% p.a.
Bank of us 10 Months 4.00% p.a.
Bank of us 11 Months 4.00% p.a.
Bank of us 12 Months 4.90% p.a.
Bank of us 7 Months 4.30% p.a.
Bank of us 8 Months 4.00% p.a.
Bank of us 9 Months 5.10% p.a.
Bankwest 12 months 5.00% p.a.
Bankwest 7 months 4.00% p.a.
Bendigo Bank 10 months 3.25% p.a.
Bendigo Bank 11 months 3.30% p.a.
Bendigo Bank 12 months 5.10% p.a.
Bendigo Bank 7 months 3.15% p.a.
Bendigo Bank 8 months 4.40% p.a.
Bendigo Bank 9 months 3.20% p.a.
Beyond Bank 12 Months 5.15% p.a.
Beyond Bank 9 Months 3.85% p.a.
CommBank 12 Months 5.20% p.a.
Community First Bank 12 Months 5.00% p.a.
Community First Bank 12 Months Special (new money, $10,000 - $1,000,000) 5.40% p.a.
First Option Bank 12 Months 4.15% p.a.
First Option Bank 9 Months 4.35% p.a.
G&C Mutual Bank 1 year 5.20% p.a.
G&C Mutual Bank 9 months 5.00% p.a.
Gateway Bank (Australia) 11 months 1.10% p.a.
Gateway Bank (Australia) 12 months 5.45% p.a.
Gateway Bank (Australia) 7 months 1.20% p.a.
Gateway Bank (Australia) 9 months 5.10% p.a.
Great Southern Bank 10 Months 3.15% p.a.
Great Southern Bank 11 Months 4.65% p.a.
Great Southern Bank 12 Months 5.25% p.a.
Great Southern Bank 7 Months 5.15% p.a.
Great Southern Bank 8 Months 3.95% p.a.
Great Southern Bank 9 Months 4.65% p.a.
Heartland Bank 12 months 5.50% p.a.
Heartland Bank 9 months 5.40% p.a.
IMB Bank 12 - 24 Months 2.20 % p.a.
IMB Bank 12 Month Special 5.08 % p.a.
IMB Bank 12 Month Special 2 5.20 % p.a.
IMB Bank 12 Months 2.15 % p.a.
IMB Bank 9 - 12 Months 2.20 % p.a.
ING 1 year (365 days) 5.2% p.a.
ING 11 months (330 days) 4.8% p.a.
ING 7 months (210 days) 4.8% p.a.
ING 9 months (270 days) 4.95% p.a.
Judo Bank 1 Year 5.45% p.a.
Judo Bank 10 Months 5.05% p.a.
Judo Bank 11 Months 5.05% p.a.
Judo Bank 7 Months 4.40% p.a.
Judo Bank 8 Months 4.50% p.a.
Judo Bank 9 Months 4.95% p.a.
ME Bank 12 months 5.15% p.a.
ME Bank 7 months 4.90% p.a.
ME Bank 9 months 5.05% p.a.
MOVE Bank 10 Months 5.20% p.a.
MOVE Bank 11 Months 5.50% p.a.
MOVE Bank 12 Months 5.45% p.a.
MOVE Bank 7 Months 5.40% p.a.
MOVE Bank 8 Months 5.20% p.a.
MOVE Bank 9 Months 5.20% p.a.
Macquarie Bank 1 year (Interest paid at maturity) 5.35% p.a.
Macquarie Bank 1 year (Interest paid half yearly) 5.28% p.a.
Macquarie Bank 1 year (Interest paid quarterly) 5.25% p.a.
Macquarie Bank 9 months (Interest paid at maturity) 5.20% p.a.
Macquarie Bank 9 months (Interest paid monthly) 5.11% p.a.
Macquarie Bank 9 months (Interest paid quarterly) 5.13% p.a.
NAB 10 months 3.70% p.a.
NAB 11 months 3.70% p.a.
NAB 12 months 5.20% p.a.
NAB 7 months 3.55% p.a.
NAB 8 months 3.60% p.a.
NAB 9 months 3.70% p.a.
Newcastle Permanent 12 months 5.25% p.a.
P&N Bank 10 months 3.60% p.a.
P&N Bank 11 months 3.70% p.a.
P&N Bank 12 - 35 months 4.20% p.a.
P&N Bank 12 months 5.00% p.a.
P&N Bank 7 months 4.50% p.a.
P&N Bank 8 months 3.70% p.a.
P&N Bank 9 months 3.80% p.a.
QBank 12 months ($10,000-$99,999) 4.70% p.a.
QBank 12 months ($100,000-$249,999) 4.90% p.a.
QBank 12 months ($2,000-$9,999) 4.50% p.a.
QBank 12 months ($250,000-$1,000,000) 5.10% p.a.
QBank 9 months ($10,000-$99,999) 4.80% p.a.
QBank 9 months ($100,000-$249,999) 5.00% p.a.
QBank 9 months ($2,000-$9,999) 4.60% p.a.
QBank 9 months ($250,000-$1,000,000) 5.20% p.a.
Qudos Bank 12 Months 5.45% p.a.
Qudos Bank 9 Months 5.10% p.a.
RACQ Bank 1 year 5.45% p.a.
RACQ Bank 10 months 3.50% p.a.
RACQ Bank 11 months 3.50% p.a.
RACQ Bank 7 months 5.25% p.a.
RACQ Bank 8 months 3.50% p.a.
RACQ Bank 9 months 3.75% p.a.
Rabobank 1 year 5.15% p.a.
Rabobank 9 months 5.00% p.a.
Regional Australia Bank 12 months ($1,000 to $500,000) 5.30% p.a.
Regional Australia Bank 9 months ($1,000 to $500,000) 5.10% p.a.
Suncorp Bank 10 Months ($1,000,000-$2,000,000) 3.80% p.a.
Suncorp Bank 10 Months ($100,000-$999,999) 3.75% p.a.
Suncorp Bank 10 Months ($5,000-$99,999) 3.70% p.a.
Suncorp Bank 11 Months ($1,000,000-$2,000,000) 4.20% p.a.
Suncorp Bank 11 Months ($100,000-$999,999) 4.15% p.a.
Suncorp Bank 11 Months ($5,000-$99,999) 4.10% p.a.
Suncorp Bank 12 Months ($1,000,000-$2,000,000) 5.30% p.a.
Suncorp Bank 12 Months ($100,000-$999,999) 5.30% p.a.
Suncorp Bank 12 Months ($5,000-$99,999) 5.30% p.a.
Suncorp Bank 7 Months ($1,000,000-$2,000,000) 4.10% p.a.
Suncorp Bank 7 Months ($100,000-$999,999) 4.05% p.a.
Suncorp Bank 7 Months ($5,000-$99,999) 4.00% p.a.
Suncorp Bank 8 Months ($1,000,000-$2,000,000) 3.80% p.a.
Suncorp Bank 8 Months ($100,000-$999,999) 3.75% p.a.
Suncorp Bank 8 Months ($5,000-$99,999) 3.70% p.a.
Suncorp Bank 9 Months ($1,000,000-$2,000,000) 4.05% p.a.
Suncorp Bank 9 Months ($100,000-$999,999) 4.00% p.a.
Suncorp Bank 9 Months ($5,000-$99,999) 3.95% p.a.
Teachers Mutual Bank 12 months 5.25% p.a.
Teachers Mutual Bank 7 months 5.00% p.a.
Teachers Mutual Bank 9 months 4.50% p.a.
UniBank (Australia) 12 Months 5.25% p.a.
UniBank (Australia) 7 Months 5.00% p.a.
UniBank (Australia) 9 Months 4.50% p.a.
Unity Bank (Australia) 1 year 5.20% p.a.
Unity Bank (Australia) 9 months 5.00% p.a.
Westpac 12 months - Special Offer 5.20% 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 4.80% p.a.
Bank of us 18 - 23 Months 4.40% p.a.
Bank of us 24 Months 4.45% p.a.
Bank of us 36 Months 4.10% p.a.
Bendigo Bank 15 months 3.00% p.a.
Bendigo Bank 24 months 4.50% p.a.
Bendigo Bank 36 months 2.95% p.a.
Bendigo Bank 48 months 2.95% p.a.
Bendigo Bank 60 months 2.95% p.a.
Beyond Bank 2 Years 4.60% p.a.
Beyond Bank 3 Years 3.65% p.a.
Beyond Bank 4 Years 3.65% p.a.
Beyond Bank 5 Years 3.65% p.a.
CommBank 24 - 33 Months ($5,000 to $49,999) 5.20% p.a.
CommBank 24 - 33 Months ($50,000 to $5,000,000) 5.25% p.a.
CommBank 60 Months ($5,000 to $49,999) 3.95% p.a.
CommBank 60 Months ($50,000 to $5,000,000) 4.00% p.a.
Community First Bank 2 Years 4.50% p.a.
Community First Bank 3 Years 4.50% p.a.
First Option Bank 24 Months 4.00% p.a.
G&C Mutual Bank 2 years 5.20% p.a.
G&C Mutual Bank 3 years 4.60% p.a.
G&C Mutual Bank 4 years 4.00% p.a.
G&C Mutual Bank 5 years 4.00% p.a.
Gateway Bank (Australia) 18 months 0.65% p.a.
Gateway Bank (Australia) 24 months 1.60% p.a.
Gateway Bank (Australia) 36 months 1.60% p.a.
Gateway Bank (Australia) 48 months 0.65% p.a.
Gateway Bank (Australia) 60 months 0.65% p.a.
Great Southern Bank 5 Years 5.50% p.a.
Heartland Bank 24 months 5.40% p.a.
Heartland Bank 36 months 5.40% p.a.
Heartland Bank 48 months 5.40% p.a.
Heartland Bank 60 months 5.00% p.a.
IMB Bank 24 - 36 Months 2.20 % p.a.
IMB Bank 24 Month Special 4.40 % p.a.
IMB Bank 36 - 48 Months 2.20 % p.a.
IMB Bank 36 Month Special 4.50 % p.a.
IMB Bank 48 - 60 Months 2.20 % p.a.
IMB Bank 48 Month Special 4.00 % p.a.
IMB Bank 60 Month Special 4.00 % p.a.
IMB Bank 60 Months 2.20 % p.a.
ING 2 year (730 days) 4.55% p.a.
Judo Bank 2 Years 5.40% p.a.
Judo Bank 3 Years 5.40% p.a.
Judo Bank 4 Years 5.50% p.a.
Judo Bank 5 Years 5.50% p.a.
MOVE Bank 13 to 14 Months 5.30% p.a.
MOVE Bank 15 to 23 Months 5.30% p.a.
MOVE Bank 24 Months 5.30% p.a.
Macquarie Bank 2 years (Interest paid annually) 3.60% p.a.
Macquarie Bank 2 years (Interest paid half yearly) 3.57% p.a.
Macquarie Bank 2 years (Interest paid quarterly) 3.55% p.a.
Macquarie Bank 3 years (Interest paid annually) 3.65% p.a.
Macquarie Bank 3 years (Interest paid half yearly) 3.62% p.a.
Macquarie Bank 3 years (Interest paid quarterly) 3.60% p.a.
Macquarie Bank 4 years (Interest paid annually) 3.80% p.a.
Macquarie Bank 4 years (Interest paid half yearly) 3.76% p.a.
Macquarie Bank 4 years (Interest paid quarterly) 3.75% p.a.
Macquarie Bank 5 years (Interest paid annually) 3.80% p.a.
Macquarie Bank 5 years (Interest paid half yearly) 3.76% p.a.
Macquarie Bank 5 years (Interest paid quarterly) 3.75% p.a.
Newcastle Permanent 2 years 4.00% 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 ($10,000-$99,999) 4.35% p.a.
QBank 18 months ($100,000-$249,999) 4.55% p.a.
QBank 18 months ($2,000-$9,999) 4.15% p.a.
QBank 18 months ($250,000-$1,000,000) 4.75% p.a.
QBank 24 months ($10,000-$99,999) 4.25% p.a.
QBank 24 months ($100,000-$249,999) 4.45% p.a.
QBank 24 months ($2,000-$9,999) 4.05% p.a.
QBank 24 months ($250,000-$1,000,000) 4.65% p.a.
QBank 36 months ($10,000-$99,999) 3.60% p.a.
QBank 36 months ($100,000-$249,999) 3.80% p.a.
QBank 36 months ($2,000-$9,999) 3.40% p.a.
QBank 36 months ($250,000-$1,000,000) 4.00% p.a.
QBank 48 months ($10,000-$99,999) 3.60% p.a.
QBank 48 months ($100,000-$249,999) 3.80% p.a.
QBank 48 months ($2,000-$9,999) 3.40% p.a.
QBank 48 months ($250,000-$1,000,000) 4.00% p.a.
QBank 60 months ($10,000-$99,999) 3.60% p.a.
QBank 60 months ($100,000-$249,999) 3.80% p.a.
QBank 60 months ($2,000-$9,999) 3.40% p.a.
QBank 60 months ($250,000-$1,000,000) 4.00% p.a.
Qudos Bank 24 Months 4.80% p.a.
Qudos Bank 36 Months 4.90% p.a.
RACQ Bank 2 years 3.30% p.a.
RACQ Bank 3 years 3.30% p.a.
RACQ Bank 4 years 3.30% p.a.
RACQ Bank 5 years 3.30% p.a.
Rabobank 2 years 5.00% p.a.
Rabobank 3 years 5.10% p.a.
Rabobank 4 years 5.30% p.a.
Rabobank 5 years 5.50% p.a.
Regional Australia Bank 18 months ($1,000 to $500,000) 5.00% p.a.
Regional Australia Bank 24 months ($1,000 to $500,000) 4.70% p.a.
Regional Australia Bank 36 months ($1,000 to $500,000) 4.20% p.a.
Regional Australia Bank 48 months ($1,000 to $500,000) 3.60% p.a.
Regional Australia Bank 60 months ($1,000 to $500,000) 3.65% p.a.
Suncorp Bank 18 Months ($1,000,000-$2,000,000) 5.30% p.a.
Suncorp Bank 18 Months ($100,000-$999,999) 5.30% p.a.
Suncorp Bank 18 Months ($5,000-$99,999) 5.30% p.a.
Suncorp Bank 24 Months ($1,000,000-$2,000,000) 5.25% p.a.
Suncorp Bank 24 Months ($100,000-$999,999) 5.25% p.a.
Suncorp Bank 24 Months ($5,000-$99,999) 5.25% p.a.
Suncorp Bank 36 Months ($1,000,000-$2,000,000) 5.00% p.a.
Suncorp Bank 36 Months ($100,000-$999,999) 5.00% p.a.
Suncorp Bank 36 Months ($5,000-$99,999) 5.00% p.a.
Suncorp Bank 48 Months ($1,000,000-$2,000,000) 5.00% p.a.
Suncorp Bank 48 Months ($100,000-$999,999) 5.00% p.a.
Suncorp Bank 48 Months ($5,000-$99,999) 5.00% p.a.
Suncorp Bank 60 Months ($1,000,000-$2,000,000) 5.00% p.a.
Suncorp Bank 60 Months ($100,000-$999,999) 5.00% p.a.
Suncorp Bank 60 Months ($5,000-$99,999) 5.00% p.a.
Teachers Mutual Bank 18 months 4.00% p.a.
Teachers Mutual Bank 24 months 4.00% p.a.
Teachers Mutual Bank 36 months 4.00% p.a.
UniBank (Australia) 18 Months 4.00% p.a.
UniBank (Australia) 24 Months 4.00% p.a.
UniBank (Australia) 36 Months 4.00% p.a.
Unity Bank (Australia) 2 years 5.20% p.a.
Unity Bank (Australia) 3 years 4.60% p.a.
Unity Bank (Australia) 4 years 4.00% p.a.
Unity Bank (Australia) 5 years 4.00% p.a.
Westpac 24 months - Special Offer 5.25% p.a.

Extra Long Term (> 5 years)

Bank Term

Latest AI Summary

Generated 2026-05-07 10:44:46.731181+00:00 · Snapshot date 20260507

Open this summary page · Previous Changes

Rate Increases

  • Judo Bank – 1 Year: 5.35% → 5.45% (+0.10pp); 2 Years: 5.20% → 5.40% (+0.20pp); 3 Years: 5.10% → 5.40% (+0.30pp); 4 Years: 5.10% → 5.50% (+0.40pp); 5 Years: 5.30% → 5.50% (+0.20pp)
  • ANZ – 12 Months: 5.00% → 5.25% (+0.25pp)
  • CommBank – 3 Months (both tiers): +0.20pp; 6 Months (both tiers): +0.20pp; 12 Months: 4.50% → 5.20% (+0.70pp); 24–33 Months (both tiers): +0.25pp
  • NAB – 4 Months: 3.20% → 3.35% (+0.15pp); 5 Months: 3.25% → 3.40% (+0.15pp); 6 Months: 3.30% → 3.50% (+0.20pp); 7 Months: 3.35% → 3.55% (+0.20pp); 8 Months: 3.40% → 3.60% (+0.20pp); 9 Months: 3.50% → 3.70% (+0.20pp); 10 Months: 3.55% → 3.70% (+0.15pp); 11 Months: 3.55% → 3.70% (+0.15pp); 12 Months: 5.00% → 5.20% (+0.20pp)
  • Westpac – 12 Months Special: 5.00% → 5.20% (+0.20pp); 24 Months Special: 5.10% → 5.25% (+0.15pp)
  • Heartland Bank – 3 Months: 4.75% → 4.80% (+0.05pp); 6 Months: 5.10% → 5.15% (+0.05pp); 9 Months: 5.15% → 5.45% (+0.30pp); 12 Months: 5.40% → 5.55% (+0.15pp); 24 Months: 5.40% → 5.45% (+0.05pp); 36 Months: 5.40% → 5.45% (+0.05pp); 48 Months: 5.40% → 5.45% (+0.05pp); 60 Months: 5.40% → 5.45% (+0.05pp)
  • Suncorp Bank – 4 Months (all tiers): 4.60% → 4.80% (+0.20pp); 12 Months (all tiers): 5.10% → 5.30% (+0.20pp); 18 Months (all tiers): 5.15% → 5.30% (+0.15pp)
  • ME Bank – 3 Months: 4.00% → 4.60% (+0.60pp); 4 Months: 4.15% → 4.65% (+0.50pp); 6 Months: 4.25% → 4.90% (+0.65pp); 7 Months: 4.25% → 4.90% (+0.65pp); 9 Months: 4.25% → 5.05% (+0.80pp); 12 Months: 4.30% → 5.15% (+0.85pp)
  • Newcastle Permanent – 12 Months: 5.05% → 5.25% (+0.20pp)
  • IMB Bank – 6 Month Special 2: 4.80% → 5.00% (+0.20pp); 12 Month Special 2: 5.10% → 5.20% (+0.10pp); 12 Month Special: 4.98% → 5.08% (+0.10pp)
  • Gateway Bank – 3 Months: 4.80% → 4.95% (+0.15pp); 6 Months: 5.05% → 5.10% (+0.05pp)
  • P&N Bank – 5 Months: 5.15% → 5.25% (+0.10pp)
  • UniBank – 3 Months: 4.40% → 4.80% (+0.40pp); 6 Months: 4.40% → 4.60% (+0.20pp); 7 Months: 4.75% → 5.00% (+0.25pp); 12 Months: 4.75% → 5.25% (+0.50pp)
  • Teachers Mutual Bank – 3 Months: 4.40% → 4.80% (+0.40pp); 6 Months: 4.40% → 4.60% (+0.20pp); 7 Months: 4.75% → 5.00% (+0.25pp); 12 Months: 4.75% → 5.25% (+0.50pp)
  • QBank – 3 Months (all tiers): +0.15pp; 6 Months (all tiers): +0.20pp; 9 Months (all tiers): +0.20pp; 12 Months (all tiers): +0.20pp; 18 Months (all tiers): +0.20pp; 24 Months (all tiers): +0.20pp
  • Macquarie Bank – 3 Months: 4.75% → 4.90% (+0.15pp); 4 Months: 4.75% → 4.90% (+0.15pp); 6 Months: 5.00% → 5.10% (+0.10pp); 9 Months: 5.00% → 5.20% (+0.20pp); 1 Year: 5.20% → 5.35% (+0.15pp)
  • Bendigo Bank – 12 Months: added at 5.10%; 24 Months: added at 4.50% (broader range now published)
  • Regional Australia Bank – 3 Months: 3.25% → 3.50% (+0.25pp); 4 Months: 4.25% → 4.65% (+0.40pp); 6 Months: 4.55% → 5.00% (+0.45pp); 9 Months: 4.60% → 5.10% (+0.50pp); 12 Months: 5.00% → 5.30% (+0.30pp); 18 Months: 4.80% → 5.00% (+0.20pp); 24 Months: 4.50% → 4.70% (+0.20pp); 36 Months: 4.00% → 4.20% (+0.20pp)
  • ING – Now publishing actual TD rates (previously data was garbled): 3 Months 4.75%; 6 Months 5.05%; 1 Year 5.20%; 2 Years 4.55%
  • AMP – Now publishing actual TD rates (previously garbled): 6 Months 5.15%; 12 Months 5.40%
  • Qudos Bank – Now publishing actual TD rates (previously garbled): 3 Months 4.80%; 6 Months 5.05%; 9 Months 5.10%; 12 Months 5.45%

Rate Decreases

  • Community First Bank – 12 Months (interest paid on maturity): 5.65% → 4.90% (–0.75pp); 12 Months (interest paid monthly): 5.00% → 4.80% (–0.20pp); 12 Months Special: 5.20% → 5.40% for new special structure (Special rate reduced in headline ceiling); 2 Years (both payment types): broadly lower
  • Judo Bank – No decreases observed across any term

Macro Signals

  • Broad-based rate increases consistent with RBA hike to 4.35%: The overwhelming majority of banks lifted TD rates across short-to-medium terms, directly reflecting the RBA's cash rate increase. This is the clearest pass-through signal observed across the dataset.
  • Big-four banks moving in unison: ANZ, CommBank, NAB, and Westpac all raised 12-month rates by 0.20–0.25pp, suggesting coordinated repricing in response to the RBA move rather than competitive pressures alone.
  • Challenger and mutual banks outpacing majors on medium terms: Heartland, Judo, ME Bank, UniBank, and Teachers Mutual posted larger increases (up to +0.85pp for ME Bank at 12 months), indicating smaller institutions are aggressively competing for retail deposit funding as wholesale funding costs rise.
  • Steepening of the short-to-medium term curve: Rate increases are most pronounced in the 6–12 month band across nearly all institutions, suggesting the market is pricing in the possibility of rates remaining elevated for an extended period but not necessarily rising further long-term.
  • Long-term rates (2–5 years) largely unchanged at majors: CommBank, NAB, and Macquarie held 2–5 year rates flat, signalling the market does not expect the current rate level to persist over the long run — consistent with a "higher for longer but ultimately peaking" outlook.
  • Community First Bank's notable 12-month rate cut (–0.75pp at maturity) is an outlier and may reflect a product restructure or data anomaly rather than a deliberate funding retreat; warrants monitoring.

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.

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