The Bendigo Standard Term Deposit pays up to 4.95% p.a. as of 18 September 2026, over a 12-month term, 234th of 590 12-month deposits tracked by BankMate. It is offered over 13 terms from 4 months to 5 years, with interest paid annually or quarterly or monthly or at maturity, from a $5,000 deposit. Its rates last changed on 21 July 2026.
4.95%p.a. · 1 year
interest annually or quarterly or monthly or at maturity; from $5,000
Early withdrawal is not allowed.
Rates over time
Best rate per term- RBA cash rate
- Market average · 12-month deposits
- 3 months
- 6 months
- 9 months
- 1 year
- 2 years
- 3 years
- 5 years
- 15 months
- 4 years
Changes
4 changes since 9 Apr 2026- Standard Term Deposit · 4 terms cut 0.10−0.10
- 12-month 5.05 → 4.95
- 12-month 5.05 → 4.95
- 12-month 5.05 → 4.95
- 12-month 5.05 → 4.95
- Standard Term Deposit · 2 terms cut 0.05−0.05
- 12-month 5.10 → 5.05
- 12-month 5.10 → 5.05
- Standard Term Deposit · 4 terms up 0.3044 days after the RBA rise to 4.10%+0.30
- 12-month 4.80 → 5.10
- 12-month 4.75 → 5.05
- 12-month 4.80 → 5.10
- 12-month 4.75 → 5.05
- Standard Term Deposit · 12-month 4.70 → 4.8028 days after the RBA rise to 4.10%+0.10
Rates by term
Ranked within each term- 3 months
- 3.60% · #266 of 369 3-month deposits
- 6 months
- 3.15% · #536 of 547 6-month deposits
- 9 months
- 4.40% · #190 of 500 9-month deposits
- 1 year
- 4.95% · #234 of 590 12-month deposits
- 2 years
- 4.50% · #196 of 394 24-month deposits
- 3 years
- 3.00% · #337 of 345 36-month deposits
- 5 years
- 3.00% · #144 of 152 60-month deposits
- 15 months
- 3.00% · #29 of 29 15-month deposits
- 4 years
- 3.00% · #149 of 157 48-month deposits
Deposit
- Minimum deposit
- $5,000
- Maximum deposit
- $5,000,000
Interest
- Paid
- Annually or Quarterly or Monthly or At maturity
- Compounding
- monthly
Early withdrawal
- Before maturity
- Not allowed
About this product
Bendigo Bank’s range of term deposits offer great rates so you can watch your money grow. At maturity, reinvest, add extra or withdraw all/part of your investment from any Bendigo Branch.