Term deposit leaderboard294 term deposits1 November 2026
The highest term deposit rates, term by term.
Rank by
- First5.65%p.a. for 10 monthsPersonal Term DepositsJudo BankInterest at maturity · From $1,000 · Up to $2,000,000Go to site
- Second5.60%p.a. for 1 year12 Month Term Deposit SpecialCommFCUInterest at maturity · From $10,000 · Up to $1,000,000Go to site
- Third5.60%p.a. for 1 yearTerm Deposit 12 monthsBank AustraliaInterest at maturity · From $500 · Up to $3,000,000Go to site
Ranked by advertised interest rate, highest first, across every term length. Leaves out business, SMSF, broker and wholesale term deposits. Compares 72 banks, not the whole market.
The other 291 term deposits
Ranked by advertised interest rate, highest first, across every term length.
4Places moved since 2 October0.25Rate changed in the last 30 days0.25Earlier change
| # | Term deposit | Interest paid | Deposit from | Up to | Highest rate | Links |
|---|---|---|---|---|---|---|
| 4 |  | At maturity | $500 | $3,000,000 | 5.60%p.a. for 1 year0.05 below first ranked | Go to site |
| 5 |  | At maturity | $5,000 | $10,000,000 | 5.55%p.a. for 1 year0.10 below first ranked | Go to site |
| 6 |  | Annually | $1,000 | $9,999,999 | 5.55%p.a. for 30 months0.10 below first ranked | Go to site |
| 7 |  | At maturity | $5,000 | — | 5.55%p.a. for 1 year0.10 below first ranked | Go to site |
| 8 |  | At maturity | $1,000 | $1,000,000 | 5.55%p.a. for 1 year0.10 below first ranked | Go to site |
| 9 |  | Annually | $1,000,000 | $2,000,000 | 5.50%p.a. for 2 years0.15 below first ranked | Go to site |
| 10 | | Monthly | $500 | $3,000,000 | 5.50%p.a. for 1 year0.15 below first ranked | Go to site |
| 11 |  | At maturity | $500 | $10,000,000 | 5.50%p.a. for 1 year0.15 below first ranked | Go to site |
| 12 |  | At maturity | $5,000 | — | 5.50%p.a. for 1 year0.15 below first ranked | Go to site |
| 13 |  | At maturity | $1,000 | — | 5.45%p.a. for 6 months0.20 below first ranked | Go to site |
| 14 |  | At maturity | $1,000 | — | 5.45%p.a. for 7 months0.20 below first ranked | Go to site |
| 15 |  | At maturity | $5,000 | — | 5.45%p.a. for 7 months0.20 below first ranked | Go to site |
| 16 |  | At maturity | $250,000 | $9,999,999 | 5.45%p.a. for 1 year0.20 below first ranked | Go to site |
| 17 | | At maturity | $1,000 | $1,000,000 | 5.45%p.a. for 6 months0.20 below first ranked | Go to site |
| 18 |  | At maturity | $1,000 | $1,000,000 | 5.45%p.a. for 6 months0.20 below first ranked | Go to site |
| 19 |  | At maturity | $5,000 | — | 5.40%p.a. for 11 months0.25 below first ranked | Go to site |
| 20 | | At maturity | $249,999 | $1,000,000 | 5.40%p.a. for 1 year0.25 below first ranked | Go to site |
| 21 |  | At maturity | $19,999 | $49,999 | 5.40%p.a. for 11 months0.25 below first ranked | Go to site |
| 22 |  | At maturity | $1,000 | $2,000,000 | 5.40%p.a. for 1 year0.25 below first ranked | Go to site |
| 23 |  | At maturity | $5,000 | — | 5.40%p.a. for 1 year0.25 below first ranked | Go to site |
| 24 |  | At maturity | $1,000 | $2,000,000 | 5.40%p.a. for 1 year0.25 below first ranked | Go to site |
| 25 | | Annually | $500 | $3,000,000 | 5.40%p.a. for 2 years0.25 below first ranked | Go to site |
| 26 |  | At maturity | $25,000 | $1,000,000 | 5.40%p.a. for 1 year0.25 below first ranked | Go to site |
| 27 |  | At maturity | $5,000 | — | 5.40%p.a. for 9 months0.25 below first ranked | Go to site |
| 28 |  | At maturity | $1,000 | $499,999 | 5.40%p.a. for 4 months0.25 below first ranked | Go to site |
| 29 |  | At maturity | $200,000 | $500,000 | 5.40%p.a. for 1 year0.25 below first ranked | Go to site |
| 30 |  | At maturity | $50,000 | — | 5.40%p.a. for 1 year0.25 below first ranked | Go to site |
| 31 |  | At maturity | $1,000 | $100,000,000 | 5.40%p.a. for 1 year0.25 below first ranked | Go to site |
| 32 | | Monthly | $5,000 | $10,000,000 | 5.40%p.a. for 1 year0.25 below first ranked | Go to site |
| 33 | | At maturity | $500 | $10,000,000 | 5.40%p.a. for 9 months0.25 below first ranked | Go to site |
| 34 | | At maturity | $250,000 | $9,999,999 | 5.40%p.a. for 9 months0.25 below first ranked | Go to site |
| 35 | | Annually | $500 | $3,000,000 | 5.40%p.a. for 3 years0.25 below first ranked | Go to site |
| 36 |  | At maturity | $1,000 | $1,000,000 | 5.40%p.a. for 10 months0.25 below first ranked | Go to site |
| 37 |  | At maturity | $1,000,000 | $2,000,000 | 5.35%p.a. for 1 year0.30 below first ranked | Go to site |
| 38 |  | Monthly | $50,000 | $2,500,000 | 5.35%p.a. for 9 months0.30 below first ranked | Go to site |
| 39 |  | At maturity | $50,000 | $1,000,000 | 5.35%p.a. for 1 year0.30 below first ranked | Go to site |
| 40 |  | At maturity | $5,000 | $9,999,999 | 5.35%p.a. for 1 year0.30 below first ranked | Go to site |
| 41 |  | At maturity | $5,000 | — | 5.35%p.a. for 1 year0.30 below first ranked | Go to site |
| 42 | | At maturity | $1,000 | — | 5.35%p.a. for 6 months0.30 below first ranked | Go to site |
| 43 |  | At maturity | $1,000 | $1,000,000 | 5.35%p.a. for 1 year0.30 below first ranked | Go to site |
| 44 | | At maturity | $5,000 | — | 5.35%p.a. for 5 years0.30 below first ranked | Go to site |
| 45 |  | At maturity | $100,000 | $500,000 | 5.35%p.a. for 9 months0.30 below first ranked | Go to site |
| 46 |  | At maturity | — | $10 | 5.35%p.a. for 1 year0.30 below first ranked | Go to site |
| 47 | | At maturity | $249,999 | $1,000,000 | 5.35%p.a. for 6 months0.30 below first ranked | Go to site |
| 48 |  | At maturity | $10,000 | $5,000,000 | 5.35%p.a. for 11 months0.30 below first ranked | Go to site |
| 49 | | Annually | $1,000 | $1,000,000 | 5.35%p.a. for 18 months0.30 below first ranked | Go to site |
| 50 | | At maturity | $1,000 | $1,000,000 | 5.35%p.a. for 2 years0.30 below first ranked | Go to site |
| 51 |  | At maturity | $1,000 | — | 5.30%p.a. for 10 months0.35 below first ranked | Go to site |
| 52 | | At maturity | $500 | $10,000,000 | 5.30%p.a. for 6 months0.35 below first ranked | Go to site |
| 53 |  | At maturity | $1,000 | $1,000,000 | 5.30%p.a. for 1 year0.35 below first ranked | Go to site |
- 4Term DepositsQudos Bank5.60%p.a. for 1 year0.05 below first rankedInterest at maturity · From $500 · Up to $3,000,000
- 5AMP Bank GO 12 Month Term DepositAMP GO5.55%p.a. for 1 year0.10 below first rankedInterest at maturity · From $5,000 · Up to $10,000,000
- 6Term DepositUnity Bank5.55%p.a. for 30 months0.10 below first rankedInterest paid annually · From $1,000 · Up to $9,999,999
- 7Term DepositHeartland Bank5.55%p.a. for 1 year0.10 below first rankedInterest at maturity · From $5,000
- 8Term Deposit 12 MonthsGateway Bank5.55%p.a. for 1 year0.10 below first rankedInterest at maturity · From $1,000 · Up to $1,000,000
- 9Term DepositSuncorp5.50%p.a. for 2 years0.15 below first rankedInterest paid annually · From $1,000,000 · Up to $2,000,000
- 10Monthly Term Deposit 12 monthsBank Australia5.50%p.a. for 1 year0.15 below first rankedInterest paid monthly · From $500 · Up to $3,000,000
- 111 Year Term DepositBank First5.50%p.a. for 1 year0.15 below first rankedInterest at maturity · From $500 · Up to $10,000,000
- 12ME Go Term DepositME Bank5.50%p.a. for 1 year0.15 below first rankedInterest at maturity · From $5,000
- 13Investment PlusAustralian Military Bank5.45%p.a. for 6 months0.20 below first rankedInterest at maturity · From $1,000
- 14Term DepositHeritage Bank5.45%p.a. for 7 months0.20 below first rankedInterest at maturity · From $1,000
- 15Term DepositPeople First Bank5.45%p.a. for 7 months0.20 below first rankedInterest at maturity · From $5,000
Rates are for new money at the minimum deposit; interest frequency is shown per product.
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As of 1 November 2026, the highest term deposit rate tracked by BankMate is 5.65% p.a. for 10 months from Judo Bank (Personal Term Deposits). How we rank