Summerland Bank term deposits

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As of 18 September 2026, Summerland Bank has one term deposit product tracked by BankMate, over 16 terms from 3 months to 5 years. Its highest rate is 5.25% p.a. on the Fixed 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 4 September 2026.

Best rate: 5.25%; 1 year · Fixed Term Deposit
Market rank: #45; of 590 12-month deposits
Terms: 16; 1 product
Last change: 4 Sept 2026; 6 changes on record

Rates over time

Best 12-month rate per product

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

What changed

6 changes since 9 Apr 2026

4 Sept 2026
Fixed Term Deposit · 12 terms cut 0.05 to 0.10
- 6-month 5.00 → 4.90
- 6-month 4.90 → 4.80
- 6-month 4.90 → 4.80
- 6-month 4.80 → 4.70
- 6-month 4.80 → 4.70
- 6-month 4.70 → 4.60
- 12-month 5.30 → 5.25
- 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 5.00 → 4.95
mixed
30 June 2026
Fixed Term Deposit · 48 terms moved in both directions
- 3-month 4.00 → 3.50
- 3-month 3.90 → 3.40
- 3-month 3.90 → 3.40
- 3-month 3.80 → 3.30
- 3-month 3.80 → 3.30
- 3-month 3.70 → 3.20
- 4-month 4.75 → 4.65
- 4-month 4.65 → 4.55
- 4-month 4.65 → 4.55
- 4-month 4.55 → 4.45
- 4-month 4.55 → 4.45
- 4-month 4.45 → 4.35
- 5-month 4.00 → 4.70
- 5-month 3.90 → 4.60
- 5-month 3.90 → 4.60
- 5-month 3.80 → 4.50
- 5-month 3.80 → 4.50
- 5-month 3.70 → 4.40
- 12-month 5.25 → 5.30
- 12-month 5.15 → 5.20
- 12-month 5.15 → 5.20
- 12-month 5.05 → 5.10
- 12-month 5.05 → 5.10
- 12-month 4.95 → 5.00
- 13-month 4.90 → 5.00
- 13-month 4.80 → 4.90
- 13-month 4.80 → 4.90
- 13-month 4.70 → 4.80
- 13-month 4.70 → 4.80
- 13-month 4.60 → 4.70
- 18-month 4.80 → 5.00
- 18-month 4.70 → 4.90
- 18-month 4.70 → 4.90
- 18-month 4.60 → 4.80
- 18-month 4.60 → 4.80
- 18-month 4.50 → 4.70
- 24-month 4.75 → 4.70
- 24-month 4.65 → 4.60
- 24-month 4.65 → 4.60
- 24-month 4.55 → 4.50
- 24-month 4.55 → 4.50
- 24-month 4.45 → 4.40
- 36-month 4.50 → 4.20
- 36-month 4.40 → 4.10
- 36-month 4.40 → 4.10
- 36-month 4.30 → 4.00
- 36-month 4.30 → 4.00
- 36-month 4.20 → 3.90
mixed
29 May 2026
Fixed Term Deposit · 6 terms up 0.1523 days after the RBA rise to 4.35%
- 4-month 4.60 → 4.75
- 4-month 4.50 → 4.65
- 4-month 4.50 → 4.65
- 4-month 4.40 → 4.55
- 4-month 4.40 → 4.55
- 4-month 4.30 → 4.45
+0.15
14 May 2026
Fixed Term Deposit · 42 terms up 0.05 to 0.308 days after the RBA rise to 4.35%
- 6-month 4.70 → 5.00
- 6-month 4.60 → 4.90
- 6-month 4.60 → 4.90
- 6-month 4.50 → 4.80
- 6-month 4.50 → 4.80
- 6-month 4.40 → 4.70
- 7-month 4.90 → 5.00
- 7-month 4.80 → 4.90
- 7-month 4.80 → 4.90
- 7-month 4.70 → 4.80
- 7-month 4.70 → 4.80
- 7-month 4.60 → 4.70
- 8-month 4.90 → 5.00
- 8-month 4.80 → 4.90
- 8-month 4.80 → 4.90
- 8-month 4.70 → 4.80
- 8-month 4.70 → 4.80
- 8-month 4.60 → 4.70
- 9-month 5.00 → 5.10
- 9-month 4.90 → 5.00
- 9-month 4.90 → 5.00
- 9-month 4.80 → 4.90
- 9-month 4.80 → 4.90
- 9-month 4.70 → 4.80
- 10-month 5.00 → 5.10
- 10-month 4.90 → 5.00
- 10-month 4.90 → 5.00
- 10-month 4.80 → 4.90
- 10-month 4.80 → 4.90
- 10-month 4.70 → 4.80
- 11-month 5.00 → 5.10
- 11-month 4.90 → 5.00
- 11-month 4.90 → 5.00
- 11-month 4.80 → 4.90
- 11-month 4.80 → 4.90
- 11-month 4.70 → 4.80
- 12-month 5.20 → 5.25
- 12-month 5.10 → 5.15
- 12-month 5.10 → 5.15
- 12-month 5.00 → 5.05
- 12-month 5.00 → 5.05
- 12-month 4.90 → 4.95
mixed
8 May 2026
Fixed Term Deposit · 30 terms up 0.05 to 0.102 days after the RBA rise to 4.35%
- 7-month 4.85 → 4.90
- 7-month 4.75 → 4.80
- 7-month 4.75 → 4.80
- 7-month 4.65 → 4.70
- 7-month 4.65 → 4.70
- 7-month 4.55 → 4.60
- 9-month 4.90 → 5.00
- 9-month 4.80 → 4.90
- 9-month 4.80 → 4.90
- 9-month 4.70 → 4.80
- 9-month 4.70 → 4.80
- 9-month 4.60 → 4.70
- 10-month 4.90 → 5.00
- 10-month 4.80 → 4.90
- 10-month 4.80 → 4.90
- 10-month 4.70 → 4.80
- 10-month 4.70 → 4.80
- 10-month 4.60 → 4.70
- 11-month 4.90 → 5.00
- 11-month 4.80 → 4.90
- 11-month 4.80 → 4.90
- 11-month 4.70 → 4.80
- 11-month 4.70 → 4.80
- 11-month 4.60 → 4.70
- 12-month 5.10 → 5.20
- 12-month 5.00 → 5.10
- 12-month 5.00 → 5.10
- 12-month 4.90 → 5.00
- 12-month 4.90 → 5.00
- 12-month 4.80 → 4.90
mixed
24 Apr 2026
Fixed Term Deposit · 18 terms up 0.05 to 0.1037 days after the RBA rise to 4.10%
- 7-month 4.75 → 4.85
- 7-month 4.65 → 4.75
- 7-month 4.65 → 4.75
- 7-month 4.55 → 4.65
- 7-month 4.55 → 4.65
- 7-month 4.45 → 4.55
- 9-month 4.85 → 4.90
- 9-month 4.75 → 4.80
- 9-month 4.75 → 4.80
- 9-month 4.65 → 4.70
- 9-month 4.65 → 4.70
- 9-month 4.55 → 4.60
- 12-month 5.00 → 5.10
- 12-month 4.90 → 5.00
- 12-month 4.90 → 5.00
- 12-month 4.80 → 4.90
- 12-month 4.80 → 4.90
- 12-month 4.70 → 4.80
mixed

Term deposits

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

Fixed Term Deposit
interest annually or monthly or at maturity or quarterly · from $1,000 · 16 terms
3 mo 4.65%6 mo 5.00%9 mo 5.10%1 yr 5.25%2 yr 4.70%3 yr 4.20%5 yr 3.65%18 mo 5.00%4 yr 3.60%
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 Summerland Bank term deposits

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