The Macquarie Macquarie Term Deposit pays up to 5.35% p.a. as of 18 September 2026, over a 12-month term, 18th of 590 12-month deposits tracked by BankMate. It is offered over nine terms from 3 months to 5 years, with interest paid annually or quarterly or monthly. Its rates last changed on 16 September 2026.
5.35%p.a. · 1 year
interest annually or quarterly or monthly; from $0
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
- 4 years
Changes
10 changes since 9 Apr 2026- Macquarie Term Deposit · 20 terms up 0.04 to 0.05mixed
- 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
- Macquarie Term Deposit · 28 terms up 0.05 to 0.15mixed
- 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
- Macquarie Term Deposit · 20 terms cut 0.04 to 0.05mixed
- 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
- Macquarie Term Deposit · 8 terms cut 0.05−0.05
- 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
- Macquarie Term Deposit · 28 terms moved in both directionsmixed
- 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
- Macquarie Term Deposit · 28 terms moved in both directionsmixed
- 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
Show 4 earlier changes
- Macquarie Term Deposit · 6 terms up 0.057 days after the RBA rise to 4.35%+0.05
- 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
- Macquarie Term Deposit · 28 terms up 0.04 to 0.10The day of the RBA rise to 4.35%mixed
- 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
- Macquarie Term Deposit · 6 terms up 0.04 to 0.0535 days after the RBA rise to 4.10%mixed
- 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
- Macquarie Term Deposit · 3 terms up 0.0528 days after the RBA rise to 4.10%+0.05
- 6-month 5.00 → 5.05
- 6-month 4.97 → 5.02
- 6-month 4.95 → 5.00
Rates by term
Ranked within each term- 3 months
- 5.05% · #6 of 369 3-month deposits
- 6 months
- 5.20% · #13 of 547 6-month deposits
- 9 months
- 5.25% · #11 of 500 9-month deposits
- 1 year
- 5.35% · #18 of 590 12-month deposits
- 2 years
- 1.99% · #387 of 394 24-month deposits
- 3 years
- 1.99% · #338 of 345 36-month deposits
- 5 years
- 1.99% · #145 of 152 60-month deposits
- 4 years
- 1.99% · #150 of 157 48-month deposits
Deposit
- Minimum deposit
- $0
- Maximum deposit
- No cap published
Interest
- Paid
- Annually or Quarterly or Monthly
- Compounding
- monthly
Early withdrawal
- Before maturity
- Not allowed
About this product
Lock in a fixed interest rate for a set term.