Cairns bank term deposits
Cairns bank has one term deposit that BankMate tracks, with 7 options: five terms from 1 month to 3 years, interest paid at maturity or monthly.
Term deposit · 5 terms
Term Deposit
5.00%p.a. · 1 year
interest monthly or at maturity; from $1,000
175th of 401 12-month deposits
Rates by term and how interest is paid
- At maturity1.25%
- Monthly–
- Terms
- 1 month to 3 years
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- To break it early
- 7 days' notice
- 1 month
- 1.25% · #46 of 62 1-month deposits
- 3 months
- 3.75% · #93 of 164 3-month deposits
- 1 year
- 5.00% · #175 of 401 12-month deposits
- 2 years
- 4.75% · #124 of 255 24-month deposits
- 3 years
- 3.75% · #153 of 221 36-month deposits
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Paid
- Monthly or At maturity
- Compounding
- daily
- Notice
- 7 days' notice
- Before maturity
- For Term investments of 2 years and less, Cairns Bank will require at least 7 days' written notice of your intention to withdraw all or part of the balance of a Term Investment Account before the end of its term. For Term investments of between 2 and 5 years, Cairns Bank will require at least 31 days' written notice … If an investment is withdrawn early, an early redemption fee and a reduced rate of interest may apply from the date the funds were deposited.
- Read from
- Cairns bank's own site, 28 October 2026
November 20261 change
- 2Mon
- 2 terms cut 0.25−0.25
12-month, paid at maturity 5.25 5.00 −0.25 24-month, paid at maturity 5.00 4.75 −0.25
October 20267 changes
- 31Sat
- 24-month, paid at maturity: 4.75 → 5.0031 days after the RBA rise to 4.60%+0.25
- 30Fri
- 12-month, paid at maturity: 5.00 → 5.2530 days after the RBA rise to 4.60%+0.25
- 28Wed
- 24-month, paid at maturity: 5.00 → 4.75−0.25
- 27Tue
- 24-month, paid at maturity: 4.75 → 5.0027 days after the RBA rise to 4.60%+0.25
- 26Mon
- 24-month, paid at maturity: 5.00 → 4.75−0.25
- 25Sun
- 12-month, paid at maturity: 5.25 → 5.00−0.25
- 24Sat
- 3 terms moved in both directions−0.75 to +0.25
12-month, paid at maturity 5.00 5.25 +0.25 12-month, paid monthly 4.75 5.00 +0.25 24-month, paid at maturity 4.75 5.00 +0.25 36-month, paid monthly 4.50 3.75 −0.75
Cairns Bank term deposits pay a fixed rate of interest for a fixed term with interest paid monthly.
Notes on Cairns bank term deposits
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As of 2 November 2026, Cairns bank has one term deposit product tracked by BankMate, over five terms from 1 month to 3 years. Its highest rate is 5.00% p.a. on the Term Deposit for 1 year, 175th of 401 12-month deposits — a term deposit rate means nothing without its term, so each deposit is ranked only against others of the same term. Its rates last changed on 2 November 2026. From the provider's Consumer Data Right feed, refreshed nightly.