Notes
- Data refreshed 2026-09-18. The previous snapshot is 202605, i.e. a four-month gap, so the
movements below cover four months of pricing rather than a month-over-month change.
- The extraction pipeline changed between these snapshots and now keeps deposit-size tiers and
interest-payment frequencies as separate rows, instead of collapsing each term to its single
highest rate. Total rows rose 450 → 902, but most of that is RECOVERED PUBLISHED DATA, not rate
increases. It is not comparable with earlier snapshots on a row-count basis.
- Banks whose row counts rose sharply because their source URL was fixed or their full rate table
now renders (NOT market movement): ANZ 1 → 51, Westpac 2 → 34, Great Southern 13 → 85,
Rabobank 9 → 87, Newcastle Permanent 5 → 40, Bankwest 8 → 32, Community First 14 → 40,
Bendigo 17 → 68, Macquarie 33 → 74, Judo 16 → 32.
- The gains/decreases below are restricted to terms that carry an IDENTICAL label in both
snapshots, so each line is a genuine move. Terms present in only one snapshot are not listed;
under the new extraction they mostly reflect labels that gained or lost a tier/frequency
qualifier, not offers appearing or disappearing.
- G&C Mutual (ID 9) is ignored in this and later snapshots: it merged into Unity Bank (see ID 4).
Its absence from the published set is expected, not a withdrawal of rates.
Rate Increases
- First Option Bank – 3 Months: 4.00% → 4.85% (+0.85pp); 6 Months: 4.15% → 5.10% (+0.95pp); 9 Months: 4.35% → 5.20% (+0.85pp); 12 Months: 4.15% → 5.30% (+1.15pp); 24 Months: 4.00% → 4.75% (+0.75pp)
- Gateway Bank (Australia) – 3 months: 4.95% → 5.00% (+0.05pp); 6 months: 5.10% → 5.35% (+0.25pp); 9 months: 5.10% → 5.30% (+0.20pp)
- Great Southern Bank – 3 Months: 4.80% → 4.90% (+0.10pp)
- Heartland Bank – 3 months: 4.75% → 4.95% (+0.20pp); 6 months: 5.10% → 5.30% (+0.20pp); 60 months: 5.00% → 5.15% (+0.15pp)
- IMB Bank – 3 Month Special 2: 4.00% → 5.00% (+1.00pp); 6 - 9 Months: 2.20% → 2.25% (+0.05pp); 6 Month Special 2: 5.00% → 5.10% (+0.10pp); 9 - 12 Months: 2.20% → 2.25% (+0.05pp); 12 - 24 Months: 2.20% → 2.25% (+0.05pp); 24 - 36 Months: 2.20% → 2.25% (+0.05pp); 24 Month Special: 4.40% → 4.50% (+0.10pp); 36 - 48 Months: 2.20% → 2.25% (+0.05pp); 48 - 60 Months: 2.20% → 2.25% (+0.05pp); 60 Months: 2.20% → 2.25% (+0.05pp)
- Judo Bank – 3 Months: 4.50% → 4.90% (+0.40pp); 4 Months: 4.20% → 4.90% (+0.70pp); 7 Months: 4.40% → 4.95% (+0.55pp); 8 Months: 4.50% → 4.95% (+0.45pp); 9 Months: 4.95% → 5.05% (+0.10pp); 11 Months: 5.05% → 5.25% (+0.20pp)
- MOVE Bank – 3 Months: 4.95% → 5.00% (+0.05pp); 4 Months: 4.95% → 5.10% (+0.15pp); 5 Months: 5.10% → 5.20% (+0.10pp); 6 Months: 5.20% → 5.25% (+0.05pp); 8 Months: 5.20% → 5.30% (+0.10pp); 9 Months: 5.20% → 5.30% (+0.10pp); 10 Months: 5.20% → 5.30% (+0.10pp)
- Suncorp Bank – 3 Months ($5,000-$99,999): 3.70% → 5.00% (+1.30pp); 9 Months ($5,000-$99,999): 3.95% → 5.20% (+1.25pp)
Rate Decreases
- Gateway Bank (Australia) – 12 months: 5.45% → 5.40% (-0.05pp)
- Great Southern Bank – 5 Years: 5.50% → 5.15% (-0.35pp); 7 Months: 5.15% → 5.00% (-0.15pp); 12 Months: 5.25% → 5.10% (-0.15pp)
- Heartland Bank – 9 months: 5.40% → 5.35% (-0.05pp); 12 months: 5.50% → 5.40% (-0.10pp); 24 months: 5.40% → 5.05% (-0.35pp); 36 months: 5.40% → 5.05% (-0.35pp); 48 months: 5.40% → 5.10% (-0.30pp)
- IMB Bank – 12 Month Special: 5.08% → 5.03% (-0.05pp); 12 Month Special 2: 5.20% → 5.15% (-0.05pp)
- Judo Bank – 5 Months: 4.95% → 4.90% (-0.05pp); 6 Months: 5.00% → 4.95% (-0.05pp)
- MOVE Bank – 7 Months: 5.40% → 5.35% (-0.05pp); 11 Months: 5.50% → 5.30% (-0.20pp)
- Suncorp Bank – 4 Months ($5,000-$99,999): 4.80% → 3.95% (-0.85pp); 6 Months ($5,000-$99,999): 5.00% → 4.90% (-0.10pp); 18 Months ($5,000-$99,999): 5.30% → 5.15% (-0.15pp); 24 Months ($5,000-$99,999): 5.25% → 5.00% (-0.25pp)
Comparability
Only 102 of the 894 term labels in this snapshot also exist in 202605 (304 labels are 202605-only,
792 are 202609-only). The movements above are drawn entirely from that overlap, matched on the
exact label, so every line above is a genuine same-term change.
The large non-overlapping remainder is explained by the extraction change in ## Notes: a term that
previously appeared once as "2 Years" may now appear as "2 Years ($1m+) (Monthly)", and such a pair
does not match. Do not read that divergence as offers being added or withdrawn.
Terms that appear in both snapshots under an unchanged label with an unchanged rate are not listed,
which is the majority of the overlap.