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Commonwealth Bank · Term deposit · 17 terms

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Standard Term Deposit

The Commonwealth Bank Standard Term Deposit pays up to 5.15% p.a. as of 18 September 2026, over a 24-month term, 12th of 394 24-month deposits tracked by BankMate. It is offered over 17 terms from 3 months to 5 years, with interest paid annually or at maturity, from a $5,000 deposit. Its rates last changed on 18 September 2026.

5.15%p.a. · 2 years

interest annually or at maturity; from $5,000

Early withdrawal is not allowed.

Go to Commonwealth Bank

Rates over time

Best rate per term
  • RBA cash rate
  • Market average · 12-month deposits
3.004.005.00MayJunJulAugToday5.152 years4.851 year4.553 years4.5018 months3.955 years3.954 years3.759 months3.606 months3.403 months
  • 3 months
  • 6 months
  • 9 months
  • 1 year
  • 2 years
  • 3 years
  • 5 years
  • 18 months
  • 4 years

Changes

5 changes since 9 Apr 2026
  1. Standard Term Deposit · 88 terms up 0.10 to 0.20
    • 7-month 3.50 → 3.60
    • 7-month 3.50 → 3.60
    • 7-month 3.50 → 3.60
    • 7-month 3.50 → 3.60
    • 7-month 3.50 → 3.60
    • 7-month 3.50 → 3.60
    • 7-month 3.45 → 3.55
    • 7-month 3.45 → 3.55
    • 7-month 3.45 → 3.55
    • 7-month 3.45 → 3.55
    • 7-month 3.45 → 3.55
    • 7-month 3.45 → 3.55
    • 8-month 3.55 → 3.65
    • 8-month 3.55 → 3.65
    • 8-month 3.55 → 3.65
    • 8-month 3.55 → 3.65
    • 8-month 3.55 → 3.65
    • 8-month 3.55 → 3.65
    • 8-month 3.50 → 3.60
    • 8-month 3.50 → 3.60
    • 8-month 3.50 → 3.60
    • 8-month 3.50 → 3.60
    • 8-month 3.50 → 3.60
    • 8-month 3.50 → 3.60
    • 9-month 3.60 → 3.70
    • 9-month 3.60 → 3.70
    • 9-month 3.60 → 3.70
    • 9-month 3.60 → 3.70
    • 9-month 3.60 → 3.70
    • 9-month 3.60 → 3.70
    • 9-month 3.55 → 3.65
    • 9-month 3.55 → 3.65
    • 9-month 3.55 → 3.65
    • 9-month 3.55 → 3.65
    • 9-month 3.55 → 3.65
    • 9-month 3.55 → 3.65
    • 10-month 3.65 → 3.75
    • 10-month 3.65 → 3.75
    • 10-month 3.65 → 3.75
    • 10-month 3.65 → 3.75
    • 10-month 3.65 → 3.75
    • 10-month 3.65 → 3.75
    • 10-month 3.60 → 3.70
    • 10-month 3.60 → 3.70
    • 10-month 3.60 → 3.70
    • 10-month 3.60 → 3.70
    • 10-month 3.60 → 3.70
    • 10-month 3.60 → 3.70
    • 11-month 3.70 → 3.80
    • 11-month 3.70 → 3.80
    • 11-month 3.70 → 3.80
    • 11-month 3.70 → 3.80
    • 11-month 3.70 → 3.80
    • 11-month 3.70 → 3.80
    • 11-month 3.65 → 3.75
    • 11-month 3.65 → 3.75
    • 11-month 3.65 → 3.75
    • 11-month 3.65 → 3.75
    • 11-month 3.65 → 3.75
    • 11-month 3.65 → 3.75
    • 12-month 4.70 → 4.85
    • 12-month 4.70 → 4.85
    • 12-month 4.70 → 4.85
    • 12-month 4.70 → 4.85
    • 12-month 4.70 → 4.85
    • 12-month 4.70 → 4.85
    • 12-month 4.70 → 4.85
    • 12-month 4.70 → 4.85
    • 12-month 4.70 → 4.85
    • 12-month 4.70 → 4.85
    • 12-month 4.70 → 4.85
    • 12-month 4.70 → 4.85
    • 12-month 4.65 → 4.80
    • 12-month 4.65 → 4.80
    • 12-month 4.65 → 4.80
    • 12-month 4.65 → 4.80
    • 24-month 4.95 → 5.15
    • 24-month 4.95 → 5.15
    • 24-month 4.95 → 5.15
    • 24-month 4.95 → 5.15
    • 24-month 4.90 → 5.10
    • 24-month 4.90 → 5.10
    • 24-month 4.90 → 5.10
    • 24-month 4.90 → 5.10
    • 24-month 4.90 → 5.10
    • 24-month 4.90 → 5.10
    • 24-month 4.85 → 5.05
    • 24-month 4.85 → 5.05
    mixed
  2. Standard Term Deposit · 12 terms cut 1.00 to 1.05
    • 6-month 4.50 → 3.50
    • 6-month 4.50 → 3.50
    • 6-month 4.50 → 3.50
    • 6-month 4.50 → 3.50
    • 6-month 4.50 → 3.45
    • 6-month 4.45 → 3.45
    • 6-month 4.45 → 3.45
    • 6-month 4.50 → 3.45
    • 6-month 4.50 → 3.45
    • 6-month 4.50 → 3.45
    • 6-month 4.45 → 3.40
    • 6-month 4.45 → 3.40
    mixed
  3. Standard Term Deposit · 24 terms moved in both directions
    • 6-month 3.50 → 4.50
    • 6-month 3.50 → 4.50
    • 6-month 3.50 → 4.50
    • 6-month 3.50 → 4.50
    • 6-month 3.45 → 4.50
    • 6-month 3.45 → 4.45
    • 6-month 3.45 → 4.45
    • 6-month 3.45 → 4.50
    • 6-month 3.45 → 4.50
    • 6-month 3.45 → 4.50
    • 6-month 3.40 → 4.45
    • 6-month 3.40 → 4.45
    • 24-month 5.20 → 4.95
    • 24-month 5.20 → 4.95
    • 24-month 5.20 → 4.95
    • 24-month 5.20 → 4.95
    • 24-month 5.15 → 4.90
    • 24-month 5.15 → 4.90
    • 24-month 5.15 → 4.90
    • 24-month 5.15 → 4.90
    • 24-month 5.15 → 4.90
    • 24-month 5.15 → 4.90
    • 24-month 5.10 → 4.85
    • 24-month 5.10 → 4.85
    mixed
  4. Standard Term Deposit · 16 terms up 0.0514 days after the RBA rise to 4.35%
    • 12-month 4.65 → 4.70
    • 12-month 4.65 → 4.70
    • 12-month 4.65 → 4.70
    • 12-month 4.65 → 4.70
    • 12-month 4.65 → 4.70
    • 12-month 4.65 → 4.70
    • 12-month 4.65 → 4.70
    • 12-month 4.65 → 4.70
    • 12-month 4.65 → 4.70
    • 12-month 4.65 → 4.70
    • 12-month 4.65 → 4.70
    • 12-month 4.65 → 4.70
    • 12-month 4.60 → 4.65
    • 12-month 4.60 → 4.65
    • 12-month 4.60 → 4.65
    • 12-month 4.60 → 4.65
    +0.05
  5. Standard Term Deposit · 4 terms up 0.2544 days after the RBA rise to 4.10%
    • 24-month 4.95 → 5.20
    • 24-month 4.95 → 5.20
    • 24-month 4.90 → 5.15
    • 24-month 4.90 → 5.15
    +0.25

Rates by term

Ranked within each term
3 months
3.40% · #278 of 369 3-month deposits
6 months
3.60% · #424 of 547 6-month deposits
9 months
3.75% · #303 of 500 9-month deposits
1 year
4.85% · #268 of 590 12-month deposits
2 years
5.15% · #12 of 394 24-month deposits
3 years
4.55% · #105 of 345 36-month deposits
5 years
3.95% · #54 of 152 60-month deposits
18 months
4.50% · #31 of 122 18-month deposits
4 years
3.95% · #71 of 157 48-month deposits

Deposit

Minimum deposit
$5,000
Maximum deposit
No cap published

Interest

Paid
Annually or At maturity
Compounding
monthly

Early withdrawal

Before maturity
Not allowed

About this product

Feel confident knowing exactly how much your money will earn. Lock-in a competitive interest rate from as short as 1 month to as long as 5 years.

Compare all term deposits