Macquarie term deposits

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As of 18 September 2026, Macquarie has one term deposit product tracked by BankMate, over nine terms from 3 months to 5 years. Its highest rate is 5.35% p.a. on the Macquarie Term Deposit for 1 year, 18th of 590 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 16 September 2026.

Best rate: 5.35%; 1 year · Macquarie Term Deposit
Market rank: #18; of 590 12-month deposits
Terms: 9; 1 product
Last change: 16 Sept 2026; 10 changes on record

Rates over time

Best 12-month rate per product

Macquarie Term Deposit
RBA cash rate
Market average · 12-month deposits

What changed

10 changes since 9 Apr 2026

16 Sept 2026
Macquarie Term Deposit · 20 terms up 0.04 to 0.05
- 6-month 5.15 → 5.20
- 6-month 5.15 → 5.20
- 6-month 5.12 → 5.17
- 6-month 5.12 → 5.17
- 6-month 5.10 → 5.14
- 6-month 5.10 → 5.14
- 9-month 5.20 → 5.25
- 9-month 5.20 → 5.25
- 9-month 5.13 → 5.18
- 9-month 5.13 → 5.18
- 9-month 5.11 → 5.16
- 9-month 5.11 → 5.16
- 12-month 5.30 → 5.35
- 12-month 5.30 → 5.35
- 12-month 5.30 → 5.35
- 12-month 5.30 → 5.35
- 12-month 5.20 → 5.25
- 12-month 5.20 → 5.25
- 12-month 5.18 → 5.22
- 12-month 5.18 → 5.22
mixed
2 Sept 2026
Macquarie Term Deposit · 28 terms up 0.05 to 0.15
- 3-month 5.00 → 5.05
- 3-month 5.00 → 5.05
- 3-month 4.98 → 5.03
- 3-month 4.98 → 5.03
- 4-month 5.00 → 5.05
- 4-month 5.00 → 5.05
- 4-month 4.97 → 5.02
- 4-month 4.97 → 5.02
- 6-month 5.05 → 5.15
- 6-month 5.05 → 5.15
- 6-month 5.02 → 5.12
- 6-month 5.02 → 5.12
- 6-month 5.00 → 5.10
- 6-month 5.00 → 5.10
- 9-month 5.10 → 5.20
- 9-month 5.10 → 5.20
- 9-month 5.04 → 5.13
- 9-month 5.04 → 5.13
- 9-month 5.02 → 5.11
- 9-month 5.02 → 5.11
- 12-month 5.15 → 5.30
- 12-month 5.15 → 5.30
- 12-month 5.15 → 5.30
- 12-month 5.15 → 5.30
- 12-month 5.05 → 5.20
- 12-month 5.05 → 5.20
- 12-month 5.03 → 5.18
- 12-month 5.03 → 5.18
mixed
5 Aug 2026
Macquarie Term Deposit · 20 terms cut 0.04 to 0.05
- 6-month 5.10 → 5.05
- 6-month 5.10 → 5.05
- 6-month 5.07 → 5.02
- 6-month 5.07 → 5.02
- 6-month 5.05 → 5.00
- 6-month 5.05 → 5.00
- 9-month 5.15 → 5.10
- 9-month 5.15 → 5.10
- 9-month 5.09 → 5.04
- 9-month 5.09 → 5.04
- 9-month 5.06 → 5.02
- 9-month 5.06 → 5.02
- 12-month 5.20 → 5.15
- 12-month 5.20 → 5.15
- 12-month 5.20 → 5.15
- 12-month 5.20 → 5.15
- 12-month 5.10 → 5.05
- 12-month 5.10 → 5.05
- 12-month 5.08 → 5.03
- 12-month 5.08 → 5.03
mixed
8 July 2026
Macquarie Term Deposit · 8 terms cut 0.05
- 12-month 5.25 → 5.20
- 12-month 5.25 → 5.20
- 12-month 5.25 → 5.20
- 12-month 5.25 → 5.20
- 12-month 5.15 → 5.10
- 12-month 5.15 → 5.10
- 12-month 5.13 → 5.08
- 12-month 5.13 → 5.08
−0.05
24 June 2026
Macquarie Term Deposit · 28 terms moved in both directions
- 3-month 4.95 → 5.00
- 3-month 4.95 → 5.00
- 3-month 4.93 → 4.98
- 3-month 4.93 → 4.98
- 4-month 4.95 → 5.00
- 4-month 4.95 → 5.00
- 4-month 4.92 → 4.97
- 4-month 4.92 → 4.97
- 6-month 5.15 → 5.10
- 6-month 5.15 → 5.10
- 6-month 5.12 → 5.07
- 6-month 5.12 → 5.07
- 6-month 5.10 → 5.05
- 6-month 5.10 → 5.05
- 9-month 5.20 → 5.15
- 9-month 5.20 → 5.15
- 9-month 5.13 → 5.09
- 9-month 5.13 → 5.09
- 9-month 5.11 → 5.06
- 9-month 5.11 → 5.06
- 12-month 5.35 → 5.25
- 12-month 5.35 → 5.25
- 12-month 5.35 → 5.25
- 12-month 5.35 → 5.25
- 12-month 5.25 → 5.15
- 12-month 5.25 → 5.15
- 12-month 5.22 → 5.13
- 12-month 5.22 → 5.13
mixed
10 June 2026
Macquarie Term Deposit · 28 terms moved in both directions
- 3-month 4.90 → 4.95
- 3-month 4.90 → 4.95
- 3-month 4.88 → 4.93
- 3-month 4.88 → 4.93
- 4-month 4.90 → 4.95
- 4-month 4.90 → 4.95
- 4-month 4.87 → 4.92
- 4-month 4.87 → 4.92
- 24-month 3.57 → 1.99
- 24-month 3.57 → 1.99
- 24-month 3.55 → 1.99
- 24-month 3.57 → 1.99
- 24-month 3.54 → 1.98
- 36-month 3.62 → 1.99
- 36-month 3.62 → 1.99
- 36-month 3.60 → 1.99
- 36-month 3.62 → 1.99
- 36-month 3.59 → 1.98
- 48-month 3.76 → 1.99
- 48-month 3.76 → 1.99
- 48-month 3.76 → 1.99
- 48-month 3.75 → 1.99
- 48-month 3.74 → 1.98
- 60-month 3.76 → 1.99
- 60-month 3.76 → 1.99
- 60-month 3.76 → 1.99
- 60-month 3.75 → 1.99
- 60-month 3.74 → 1.98
mixed

Show 4 earlier changes

13 May 2026
Macquarie Term Deposit · 6 terms up 0.057 days after the RBA rise to 4.35%
- 6-month 5.10 → 5.15
- 6-month 5.10 → 5.15
- 6-month 5.07 → 5.12
- 6-month 5.07 → 5.12
- 6-month 5.05 → 5.10
- 6-month 5.05 → 5.10
+0.05
6 May 2026
Macquarie Term Deposit · 28 terms up 0.04 to 0.10The day of the RBA rise to 4.35%
- 3-month 4.80 → 4.90
- 3-month 4.80 → 4.90
- 3-month 4.78 → 4.88
- 3-month 4.78 → 4.88
- 4-month 4.80 → 4.90
- 4-month 4.80 → 4.90
- 4-month 4.77 → 4.87
- 4-month 4.77 → 4.87
- 6-month 5.05 → 5.10
- 6-month 5.05 → 5.10
- 6-month 5.02 → 5.07
- 6-month 5.02 → 5.07
- 6-month 5.00 → 5.05
- 6-month 5.00 → 5.05
- 9-month 5.15 → 5.20
- 9-month 5.15 → 5.20
- 9-month 5.09 → 5.13
- 9-month 5.09 → 5.13
- 9-month 5.06 → 5.11
- 9-month 5.06 → 5.11
- 12-month 5.25 → 5.35
- 12-month 5.25 → 5.35
- 12-month 5.25 → 5.35
- 12-month 5.25 → 5.35
- 12-month 5.15 → 5.25
- 12-month 5.15 → 5.25
- 12-month 5.13 → 5.22
- 12-month 5.13 → 5.22
mixed
22 Apr 2026
Macquarie Term Deposit · 6 terms up 0.04 to 0.0535 days after the RBA rise to 4.10%
- 9-month 5.10 → 5.15
- 9-month 5.10 → 5.15
- 9-month 5.04 → 5.09
- 9-month 5.04 → 5.09
- 9-month 5.02 → 5.06
- 9-month 5.02 → 5.06
mixed
15 Apr 2026
Macquarie Term Deposit · 3 terms up 0.0528 days after the RBA rise to 4.10%
- 6-month 5.00 → 5.05
- 6-month 4.97 → 5.02
- 6-month 4.95 → 5.00
+0.05

Term deposits

Best rate per product, by term · ranked within each term

Macquarie Term Deposit
interest annually or quarterly or monthly · from $0 · 9 terms
3 mo 5.05%6 mo 5.20%9 mo 5.25%1 yr 5.35%2 yr 1.99%3 yr 1.99%5 yr 1.99%4 yr 1.99%
5.35%#18 of 590

Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits

Notes on Macquarie term deposits

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