The NAB NAB Term Deposit pays up to 5.20% p.a. as of 18 September 2026, over a 12-month term, 97th of 590 12-month deposits tracked by BankMate. It is offered over 22 terms from 3 months to 2 years, with interest paid annually or quarterly or monthly, from a $5,000 deposit. Its rates last changed on 15 September 2026.
5.20%p.a. · 1 year
interest annually or quarterly or monthly; from $5,000
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
- 14 months
- 15 months
- 16 months
- 17 months
- 18 months
- 19 months
- 20 months
- 21 months
Changes
6 changes since 9 Apr 2026- NAB Term Deposit · 6 terms moved in both directionsmixed
- 9-month 5.00 → 3.70
- 12-month 5.15 → 5.20
- 12-month 5.15 → 5.20
- 12-month 5.15 → 5.20
- 12-month 5.05 → 5.10
- 12-month 5.05 → 5.10
- NAB Term Deposit · 54 terms cut 0.10 to 0.20mixed
- 9-month 5.10 → 5.00
- 12-month 5.25 → 5.15
- 12-month 5.25 → 5.15
- 12-month 5.25 → 5.15
- 12-month 5.15 → 5.05
- 12-month 5.15 → 5.05
- 13-month 5.20 → 5.00
- 13-month 5.20 → 5.00
- 13-month 5.10 → 4.90
- 13-month 5.10 → 4.90
- 14-month 5.20 → 5.00
- 14-month 5.20 → 5.00
- 14-month 5.10 → 4.90
- 14-month 5.10 → 4.90
- 15-month 5.20 → 5.00
- 15-month 5.20 → 5.00
- 15-month 5.10 → 4.90
- 15-month 5.10 → 4.90
- 16-month 5.20 → 5.00
- 16-month 5.20 → 5.00
- 16-month 5.10 → 4.90
- 16-month 5.10 → 4.90
- 17-month 5.20 → 5.00
- 17-month 5.20 → 5.00
- 17-month 5.10 → 4.90
- 17-month 5.10 → 4.90
- 18-month 5.20 → 5.00
- 18-month 5.20 → 5.00
- 18-month 5.10 → 4.90
- 18-month 5.10 → 4.90
- 19-month 5.20 → 5.00
- 19-month 5.20 → 5.00
- 19-month 5.10 → 4.90
- 19-month 5.10 → 4.90
- 20-month 5.20 → 5.00
- 20-month 5.20 → 5.00
- 20-month 5.10 → 4.90
- 20-month 5.10 → 4.90
- 21-month 5.20 → 5.00
- 21-month 5.20 → 5.00
- 21-month 5.10 → 4.90
- 21-month 5.10 → 4.90
- 22-month 5.20 → 5.00
- 22-month 5.20 → 5.00
- 22-month 5.10 → 4.90
- 22-month 5.10 → 4.90
- 23-month 5.20 → 5.00
- 23-month 5.20 → 5.00
- 23-month 5.10 → 4.90
- 23-month 5.10 → 4.90
- 24-month 5.20 → 5.00
- 24-month 5.20 → 5.00
- 24-month 5.10 → 4.90
- 24-month 5.10 → 4.90
- NAB Term Deposit · 9-month 3.70 → 5.1030 days after the RBA rise to 4.35%+1.40
- NAB Term Deposit · 5 terms up 0.0520 days after the RBA rise to 4.35%+0.05
- 12-month 5.20 → 5.25
- 12-month 5.20 → 5.25
- 12-month 5.20 → 5.25
- 12-month 5.10 → 5.15
- 12-month 5.10 → 5.15
- NAB Term Deposit · 50 terms up 0.10 to 0.20The day of the RBA rise to 4.35%mixed
- 12-month 5.10 → 5.20
- 12-month 5.10 → 5.20
- 12-month 5.10 → 5.20
- 12-month 5.00 → 5.10
- 12-month 5.00 → 5.10
- 13-month 5.10 → 5.20
- 13-month 5.10 → 5.20
- 13-month 5.00 → 5.10
- 13-month 5.00 → 5.10
- 14-month 5.10 → 5.20
- 14-month 5.10 → 5.20
- 14-month 5.00 → 5.10
- 14-month 5.00 → 5.10
- 15-month 5.10 → 5.20
- 15-month 5.10 → 5.20
- 15-month 5.00 → 5.10
- 15-month 5.00 → 5.10
- 16-month 5.10 → 5.20
- 16-month 5.10 → 5.20
- 16-month 5.00 → 5.10
- 16-month 5.00 → 5.10
- 17-month 5.10 → 5.20
- 17-month 5.10 → 5.20
- 17-month 5.00 → 5.10
- 17-month 5.00 → 5.10
- 18-month 5.10 → 5.20
- 18-month 5.10 → 5.20
- 18-month 5.00 → 5.10
- 18-month 5.00 → 5.10
- 19-month 5.10 → 5.20
- 19-month 5.10 → 5.20
- 19-month 5.00 → 5.10
- 19-month 5.00 → 5.10
- 20-month 5.10 → 5.20
- 20-month 5.10 → 5.20
- 20-month 5.00 → 5.10
- 20-month 5.00 → 5.10
- 21-month 5.10 → 5.20
- 21-month 5.10 → 5.20
- 21-month 5.00 → 5.10
- 21-month 5.00 → 5.10
- 22-month 5.10 → 5.20
- 22-month 5.10 → 5.20
- 22-month 5.00 → 5.10
- 22-month 5.00 → 5.10
- 23-month 5.10 → 5.20
- 23-month 5.10 → 5.20
- 23-month 5.00 → 5.10
- 23-month 5.00 → 5.10
- 24-month 5.00 → 5.20
- NAB Term Deposit · 49 terms up 0.1024 days after the RBA rise to 4.10%+0.10
- 12-month 5.00 → 5.10
- 12-month 5.00 → 5.10
- 12-month 5.00 → 5.10
- 12-month 4.90 → 5.00
- 12-month 4.90 → 5.00
- 13-month 5.00 → 5.10
- 13-month 5.00 → 5.10
- 13-month 4.90 → 5.00
- 13-month 4.90 → 5.00
- 14-month 5.00 → 5.10
- 14-month 5.00 → 5.10
- 14-month 4.90 → 5.00
- 14-month 4.90 → 5.00
- 15-month 5.00 → 5.10
- 15-month 5.00 → 5.10
- 15-month 4.90 → 5.00
- 15-month 4.90 → 5.00
- 16-month 5.00 → 5.10
- 16-month 5.00 → 5.10
- 16-month 4.90 → 5.00
- 16-month 4.90 → 5.00
- 17-month 5.00 → 5.10
- 17-month 5.00 → 5.10
- 17-month 4.90 → 5.00
- 17-month 4.90 → 5.00
- 18-month 5.00 → 5.10
- 18-month 5.00 → 5.10
- 18-month 4.90 → 5.00
- 18-month 4.90 → 5.00
- 19-month 5.00 → 5.10
- 19-month 5.00 → 5.10
- 19-month 4.90 → 5.00
- 19-month 4.90 → 5.00
- 20-month 5.00 → 5.10
- 20-month 5.00 → 5.10
- 20-month 4.90 → 5.00
- 20-month 4.90 → 5.00
- 21-month 5.00 → 5.10
- 21-month 5.00 → 5.10
- 21-month 4.90 → 5.00
- 21-month 4.90 → 5.00
- 22-month 5.00 → 5.10
- 22-month 5.00 → 5.10
- 22-month 4.90 → 5.00
- 22-month 4.90 → 5.00
- 23-month 5.00 → 5.10
- 23-month 5.00 → 5.10
- 23-month 4.90 → 5.00
- 23-month 4.90 → 5.00
Rates by term
Ranked within each term- 3 months
- 3.35% · #291 of 369 3-month deposits
- 6 months
- 3.55% · #452 of 547 6-month deposits
- 9 months
- 3.70% · #324 of 500 9-month deposits
- 1 year
- 5.20% · #97 of 590 12-month deposits
- 2 years
- 5.00% · #65 of 394 24-month deposits
- 14 months
- 5.00% · #1 of 22 14-month deposits
- 15 months
- 5.00% · #1 of 29 15-month deposits
- 16 months
- 5.00% · #1 of 6 16-month deposits
- 17 months
- 5.00% · #1 of 60 17-month deposits
- 18 months
- 5.00% · #5 of 122 18-month deposits
- 19 months
- 5.00% · #1 of 6 19-month deposits
- 20 months
- 5.00% · #1 of 6 20-month deposits
- 21 months
- 5.00% · #1 of 6 21-month deposits
Deposit
- Minimum deposit
- $5,000
- Maximum deposit
- $1,999,999
Interest
- Paid
- Annually or Quarterly or Monthly
- Compounding
- monthly
Early withdrawal
- Before maturity
- Not allowed
About this product
Enjoy a competitive interest rate and the ability to choose a term that suits your needs