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The term deposit leaderboard

Top-ranked term deposits across every category β€” short, long, monthly income, and best of big four.

πŸ”₯

Best Overall Rate

#1
🏦
Term Deposit
G&C Mutual BankLive
5.55%2 years
+

Rate Details

Interest rate5.55%
Term2 years
Interest paidAnnually

Details

πŸ’°Minimum deposit
$1,000
πŸ“ŠMaximum deposit
$9,999,999
βœ…Early withdrawal
Allowed
Early withdrawal may be allowed at the discretion of the Bank on 31 days' notice. Where funds are withdrawn from a term deposit account prior to maturity, a reduction to the interest rate will be applied dependent on the time left until maturity.
πŸ”„Compounding
monthly
#2
🏦
Term Deposit
G&C Mutual BankLive
5.55%30 months
+

Rate Details

Interest rate5.55%
Term30 months
Interest paidAnnually

Details

πŸ’°Minimum deposit
$1,000
πŸ“ŠMaximum deposit
$9,999,999
βœ…Early withdrawal
Allowed
Early withdrawal may be allowed at the discretion of the Bank on 31 days' notice. Where funds are withdrawn from a term deposit account prior to maturity, a reduction to the interest rate will be applied dependent on the time left until maturity.
πŸ”„Compounding
monthly
#3
🏦
Term Deposit 12 months
Bank AustraliaLive
5.50%1 year
+

Rate Details

Interest rate5.50%
Term1 year
Interest paidAnnually

Details

πŸ’°Minimum deposit
$500
πŸ“ŠMaximum deposit
$1,000,000
βœ…Early withdrawal
Allowed
Early Withdrawal: If you want to withdraw your TD prior to maturity, you are required to provide 31 days' prior notice. You may incur an interest adjustment and a Term Deposit early withdrawal admin fee.
πŸ”„Compounding
monthly
#4
🏦
Personal Term Deposits
Judo BankLive
5.50%5 years
+

Rate Details

Interest rate5.50%
Term5 years
Interest paidAnnually

Details

πŸ’°Minimum deposit
$0
🚫Early withdrawal
Not allowed
πŸ”„Compounding
monthly
#5
🏦
Term Deposit 12 months
Bank AustraliaLive
5.50%1 year
+

Rate Details

Interest rate5.50%
Term1 year
Interest paidAnnually

Details

πŸ’°Minimum deposit
$500
πŸ“ŠMaximum deposit
$1,000,000
βœ…Early withdrawal
Allowed
Early Withdrawal: If you want to withdraw your TD prior to maturity, you are required to provide 31 days' prior notice. You may incur an interest adjustment and a Term Deposit early withdrawal admin fee.
πŸ”„Compounding
monthly
Show More
⚑

Best Short Term (≀6 months)

#1
🏦
Term Deposit
RACQ BankLive
5.45%6 months
+

Rate Details

Interest rate5.45%
Term6 months
Interest paidAnnually

Details

πŸ’°Minimum deposit
$0
🚫Early withdrawal
Not allowed
πŸ”„Compounding
monthly
#2
🏦
Term Deposit
HeartlandLive
5.30%6 months
+

Rate Details

Interest rate5.30%
Term6 months
Interest paidAnnually

Details

πŸ’°Minimum deposit
$5,000
🚫Early withdrawal
Not allowed
πŸ”„Compounding
monthly
#3
🏦
Term Deposit 6 months
Bank AustraliaLive
5.30%6 months
+

Rate Details

Interest rate5.30%
Term6 months
Interest paidAnnually

Details

πŸ’°Minimum deposit
$500
πŸ“ŠMaximum deposit
$1,000,000
βœ…Early withdrawal
Allowed
Early Withdrawal: If you want to withdraw your TD prior to maturity, you are required to provide 31 days' prior notice. You may incur an interest adjustment and a Term Deposit early withdrawal admin fee.
πŸ”„Compounding
monthly
#4
🏦
Term Deposit 6 months
Bank AustraliaLive
5.30%6 months
+

Rate Details

Interest rate5.30%
Term6 months
Interest paidAnnually

Details

πŸ’°Minimum deposit
$500
πŸ“ŠMaximum deposit
$1,000,000
βœ…Early withdrawal
Allowed
Early Withdrawal: If you want to withdraw your TD prior to maturity, you are required to provide 31 days' prior notice. You may incur an interest adjustment and a Term Deposit early withdrawal admin fee.
πŸ”„Compounding
monthly
#5
🏦
180 Day Term Deposit
Bank FirstLive
5.25%6 months
+

Rate Details

Interest rate5.25%
Term6 months
Interest paidAt maturity

Details

πŸ’°Minimum deposit
$500
πŸ“ŠMaximum deposit
$9,999,999.99
🚫Early withdrawal
Not allowed
πŸ”„Compounding
monthly
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πŸ“…

Best 1 Year Rate

#1
🏦
Term Deposit 12 months
Bank AustraliaLive
5.50%1 year
+

Rate Details

Interest rate5.50%
Term1 year
Interest paidAnnually

Details

πŸ’°Minimum deposit
$500
πŸ“ŠMaximum deposit
$1,000,000
βœ…Early withdrawal
Allowed
Early Withdrawal: If you want to withdraw your TD prior to maturity, you are required to provide 31 days' prior notice. You may incur an interest adjustment and a Term Deposit early withdrawal admin fee.
πŸ”„Compounding
monthly
#2
🏦
Term Deposit 12 months
Bank AustraliaLive
5.50%1 year
+

Rate Details

Interest rate5.50%
Term1 year
Interest paidAnnually

Details

πŸ’°Minimum deposit
$500
πŸ“ŠMaximum deposit
$1,000,000
βœ…Early withdrawal
Allowed
Early Withdrawal: If you want to withdraw your TD prior to maturity, you are required to provide 31 days' prior notice. You may incur an interest adjustment and a Term Deposit early withdrawal admin fee.
πŸ”„Compounding
monthly
#3
🏦
12 Month Term Deposit Special
CommFCULive
5.40%1 year
+

Rate Details

Interest rate5.40%
Term1 year
Interest paidAnnually

Details

πŸ’°Minimum deposit
$10,000
πŸ“ŠMaximum deposit
$2,000,000
🚫Early withdrawal
Not allowed
πŸ”„Compounding
monthly
#4
🏦
Monthly Term Deposit 12 months
Bank AustraliaLive
5.40%1 year
+

Rate Details

Interest rate5.40%
Term1 year
Interest paidMonthly

Details

πŸ’°Minimum deposit
$500
πŸ“ŠMaximum deposit
$1,000,000
βœ…Early withdrawal
Allowed
Monthly income term deposit redemptions prior to the expiry of the agreed term will be approved with 31 days' notice. During the notice period, no interest will be earned on the portion of the term deposit being withdrawn and a Term Deposit early withdrawal admin fee may apply.
πŸ”„Compounding
monthly
#5
🏦
Term Deposit
HeartlandLive
5.40%1 year
+

Rate Details

Interest rate5.40%
Term1 year
Interest paidAnnually

Details

πŸ’°Minimum deposit
$5,000
🚫Early withdrawal
Not allowed
πŸ”„Compounding
monthly
Show More
πŸ”’

Best Long Term (2+ years)

#1
🏦
Term Deposit
G&C Mutual BankLive
5.55%2 years
+

Rate Details

Interest rate5.55%
Term2 years
Interest paidAnnually

Details

πŸ’°Minimum deposit
$1,000
πŸ“ŠMaximum deposit
$9,999,999
βœ…Early withdrawal
Allowed
Early withdrawal may be allowed at the discretion of the Bank on 31 days' notice. Where funds are withdrawn from a term deposit account prior to maturity, a reduction to the interest rate will be applied dependent on the time left until maturity.
πŸ”„Compounding
monthly
#2
🏦
Term Deposit
G&C Mutual BankLive
5.55%30 months
+

Rate Details

Interest rate5.55%
Term30 months
Interest paidAnnually

Details

πŸ’°Minimum deposit
$1,000
πŸ“ŠMaximum deposit
$9,999,999
βœ…Early withdrawal
Allowed
Early withdrawal may be allowed at the discretion of the Bank on 31 days' notice. Where funds are withdrawn from a term deposit account prior to maturity, a reduction to the interest rate will be applied dependent on the time left until maturity.
πŸ”„Compounding
monthly
#3
🏦
Personal Term Deposits
Judo BankLive
5.50%5 years
+

Rate Details

Interest rate5.50%
Term5 years
Interest paidAnnually

Details

πŸ’°Minimum deposit
$0
🚫Early withdrawal
Not allowed
πŸ”„Compounding
monthly
#4
🏦
Personal Term Deposits
Judo BankLive
5.50%4 years
+

Rate Details

Interest rate5.50%
Term4 years
Interest paidAnnually

Details

πŸ’°Minimum deposit
$0
🚫Early withdrawal
Not allowed
πŸ”„Compounding
monthly
#5
🏦
Personal Term Deposits
Judo BankLive
5.45%2 years
+

Rate Details

Interest rate5.45%
Term2 years
Interest paidAnnually

Details

πŸ’°Minimum deposit
$0
🚫Early withdrawal
Not allowed
πŸ”„Compounding
monthly
Show More
πŸ’Έ

Best Monthly Income

#1
🏦
Monthly Term Deposit 12 months
Bank AustraliaLive
5.40%1 year
+

Rate Details

Interest rate5.40%
Term1 year
Interest paidMonthly

Details

πŸ’°Minimum deposit
$500
πŸ“ŠMaximum deposit
$1,000,000
βœ…Early withdrawal
Allowed
Monthly income term deposit redemptions prior to the expiry of the agreed term will be approved with 31 days' notice. During the notice period, no interest will be earned on the portion of the term deposit being withdrawn and a Term Deposit early withdrawal admin fee may apply.
πŸ”„Compounding
monthly
#2
🏦
Monthly Term Deposit 12 months
Bank AustraliaLive
5.40%1 year
+

Rate Details

Interest rate5.40%
Term1 year
Interest paidMonthly

Details

πŸ’°Minimum deposit
$500
πŸ“ŠMaximum deposit
$1,000,000
βœ…Early withdrawal
Allowed
Monthly income term deposit redemptions prior to the expiry of the agreed term will be approved with 31 days' notice. During the notice period, no interest will be earned on the portion of the term deposit being withdrawn and a Term Deposit early withdrawal admin fee may apply.
πŸ”„Compounding
monthly
#3
🏦
Term Deposit
G&C Mutual BankLive
5.40%30 months
+

Rate Details

Interest rate5.40%
Term30 months
Interest paidMonthly

Details

πŸ’°Minimum deposit
$1,000
πŸ“ŠMaximum deposit
$9,999,999
βœ…Early withdrawal
Allowed
Early withdrawal may be allowed at the discretion of the Bank on 31 days' notice. Where funds are withdrawn from a term deposit account prior to maturity, a reduction to the interest rate will be applied dependent on the time left until maturity.
πŸ”„Compounding
monthly
#4
🏦
Personal Term Deposits
Judo BankLive
5.40%5 years
+

Rate Details

Interest rate5.40%
Term5 years
Interest paidMonthly

Details

πŸ’°Minimum deposit
$0
🚫Early withdrawal
Not allowed
πŸ”„Compounding
monthly
#5
🏦
Personal Term Deposits
Judo BankLive
5.40%4 years
+

Rate Details

Interest rate5.40%
Term4 years
Interest paidMonthly

Details

πŸ’°Minimum deposit
$0
🚫Early withdrawal
Not allowed
πŸ”„Compounding
monthly
Show More
🏦

Best of Big 4

#1
πŸͺ
NAB Term Deposit
NABLive
5.20%1 year
+

Rate Details

Interest rate5.20%
Term1 year
Interest paidAnnually

Details

πŸ’°Minimum deposit
$5,000
πŸ“ŠMaximum deposit
$1,999,999
🚫Early withdrawal
Not allowed
πŸ”„Compounding
monthly
#2
πŸͺ
NAB Term Deposit
NABLive
5.20%1 year
+

Rate Details

Interest rate5.20%
Term1 year
Interest paidAnnually

Details

πŸ’°Minimum deposit
$5,000
πŸ“ŠMaximum deposit
$1,999,999
🚫Early withdrawal
Not allowed
πŸ”„Compounding
monthly
#3
πŸͺ
NAB Term Deposit
NABLive
5.20%1 year
+

Rate Details

Interest rate5.20%
Term1 year
Interest paidAnnually

Details

πŸ’°Minimum deposit
$5,000
πŸ“ŠMaximum deposit
$1,999,999
🚫Early withdrawal
Not allowed
πŸ”„Compounding
monthly
#4
πŸ›οΈ
ANZ Advance Notice Term Deposit
ANZLive
5.13%1 year
+

Rate Details

Interest rate5.13%
Term1 year
Interest paidAnnually

Details

πŸ’°Minimum deposit
$0
βœ…Early withdrawal
Allowed
A range of rates With an ANZ Advance Notice Term Deposit, you could potentially earn a higher interest rate in return for giving us 31 days’ notice for early withdrawals. This could help to maximise your savings. There’s a range of rates available for you to consider.
πŸ”„Compounding
monthly
#5
πŸ›οΈ
ANZ Advance Notice Term Deposit
ANZLive
5.13%1 year
+

Rate Details

Interest rate5.13%
Term1 year
Interest paidAnnually

Details

πŸ’°Minimum deposit
$0
βœ…Early withdrawal
Allowed
A range of rates With an ANZ Advance Notice Term Deposit, you could potentially earn a higher interest rate in return for giving us 31 days’ notice for early withdrawals. This could help to maximise your savings. There’s a range of rates available for you to consider.
πŸ”„Compounding
monthly
Show More

These rankings rate every term deposits on one figure. Answer a few questions to see the ones that fit you β†’

As of 17 September 2026, the highest term deposit rate tracked by BankMate is 5.55% p.a. for 24 months from G&C Mutual Bank (Term Deposit). How we rank β†’