MyState term deposits

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As of 18 September 2026, MyState has two term deposit products tracked by BankMate, over 13 terms from 3 months to 3 years. Its highest rate is 5.25% p.a. on the Online Term Deposit for 1 year, 45th 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 15 September 2026.

Best rate: 5.25%; 1 year · Online Term Deposit
Market rank: #45; of 590 12-month deposits
Terms: 13; 2 products
Last change: 15 Sept 2026; 8 changes on record

Rates over time

Best 12-month rate per product

RBA cash rate
Market average · 12-month deposits

What changed

8 changes since 9 Apr 2026

15 Sept 2026
Online Term Deposit · 4 terms up 0.15 to 0.20
- 3-month 4.75 → 4.95
- 6-month 4.85 → 5.00
- 9-month 4.95 → 5.10
- 12-month 5.05 → 5.25
mixed
15 Sept 2026
Regular Term Deposit · 4 terms up 0.15 to 0.20
- 3-month 4.75 → 4.95
- 6-month 4.85 → 5.00
- 9-month 4.95 → 5.10
- 12-month 5.05 → 5.25
mixed
26 Aug 2026
Online Term Deposit · 3 terms cut 0.10 to 0.15
- 6-month 5.00 → 4.85
- 9-month 5.10 → 4.95
- 12-month 5.15 → 5.05
mixed
26 Aug 2026
Regular Term Deposit · 3 terms cut 0.10 to 0.15
- 6-month 5.00 → 4.85
- 9-month 5.10 → 4.95
- 12-month 5.15 → 5.05
mixed
16 July 2026
Online Term Deposit · 12-month 5.30 → 5.15
−0.15
16 July 2026
Regular Term Deposit · 12-month 5.30 → 5.15
−0.15

Show 2 earlier changes

7 May 2026
Regular Term Deposit · 3 terms up 0.05 to 0.20A day after the RBA rise to 4.35%
- 6-month 4.95 → 5.00
- 9-month 5.00 → 5.10
- 12-month 5.10 → 5.30
mixed
7 May 2026
Online Term Deposit · 3 terms up 0.05 to 0.20A day after the RBA rise to 4.35%
- 6-month 4.95 → 5.00
- 9-month 5.00 → 5.10
- 12-month 5.10 → 5.30
mixed

Term deposits

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

Online Term Deposit
interest annually or at maturity or quarterly · from $0 · 11 terms
3 mo 4.95%6 mo 5.00%9 mo 5.10%1 yr 5.25%2 yr 5.15%
5.25%#45 of 590
Regular Term Deposit
interest annually or at maturity or quarterly or monthly · from $0 · 13 terms
3 mo 4.95%6 mo 5.00%9 mo 5.10%1 yr 5.25%2 yr 5.15%3 yr 4.25%15 mo 3.75%
5.25%#45 of 590

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

Notes on MyState term deposits

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