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Summerland Bank · Term deposit · 16 terms
LiveFixed Term Deposit
The Summerland Bank Fixed Term Deposit pays up to 5.25% p.a. as of 18 September 2026, over a 12-month term, 45th of 590 12-month deposits tracked by BankMate. It is offered over 16 terms from 3 months to 5 years, with interest paid annually or monthly or at maturity or quarterly, from a $1,000 deposit. Its rates last changed on 4 September 2026.
5.25%p.a. · 1 year
interest annually or monthly or at maturity or quarterly; from $1,000
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
- 3 years
- 5 years
- 18 months
- 4 years
Changes
6 changes since 9 Apr 2026- Fixed Term Deposit · 12 terms cut 0.05 to 0.10mixed
- 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
- Fixed Term Deposit · 48 terms moved in both directionsmixed
- 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
- Fixed Term Deposit · 6 terms up 0.1523 days after the RBA rise to 4.35%+0.15
- 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
- Fixed Term Deposit · 42 terms up 0.05 to 0.308 days after the RBA rise to 4.35%mixed
- 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
- Fixed Term Deposit · 30 terms up 0.05 to 0.102 days after the RBA rise to 4.35%mixed
- 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
- Fixed Term Deposit · 18 terms up 0.05 to 0.1037 days after the RBA rise to 4.10%mixed
- 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
Rates by term
Ranked within each term- 3 months
- 4.65% · #134 of 369 3-month deposits
- 6 months
- 5.00% · #76 of 547 6-month deposits
- 9 months
- 5.10% · #49 of 500 9-month deposits
- 1 year
- 5.25% · #45 of 590 12-month deposits
- 2 years
- 4.70% · #162 of 394 24-month deposits
- 3 years
- 4.20% · #155 of 345 36-month deposits
- 5 years
- 3.65% · #76 of 152 60-month deposits
- 18 months
- 5.00% · #5 of 122 18-month deposits
- 4 years
- 3.60% · #111 of 157 48-month deposits
Deposit
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
Interest
- Paid
- Annually or Monthly or At maturity or Quarterly
- Compounding
- monthly
Early withdrawal
- Before maturity
- Not allowed