Term deposit leaderboard101 term deposits1 November 2026
The highest term deposit rates for one year.
Rank by
- First5.60%p.a. for 1 year12 Month Term Deposit SpecialCommFCUInterest at maturity · From $10,000 · Up to $1,000,000Go to site
- Second5.60%p.a. for 1 yearTerm Deposit 12 monthsBank AustraliaInterest at maturity · From $500 · Up to $3,000,000Go to site
- Third5.60%p.a. for 1 yearTerm DepositsQudos BankInterest at maturity · From $500 · Up to $3,000,000Go to site
Ranked by advertised interest rate, highest first, among 12-month terms. Leaves out every term other than 12 months. Business, SMSF, broker and wholesale term deposits. Compares 71 banks, not the whole market.
The other 98 term deposits
Ranked by advertised interest rate, highest first, among 12-month terms.
4Places moved since 2 October0.25Rate changed in the last 30 days0.25Earlier change
| # | Term deposit | Interest paid | Deposit from | Up to | One year | Links |
|---|---|---|---|---|---|---|
| 4 |  | At maturity | $5,000 | $10,000,000 | 5.55%p.a. for 1 year0.05 below first ranked | Go to site |
| 5 |  | At maturity | $5,000 | — | 5.55%p.a. for 1 year0.05 below first ranked | Go to site |
| 6 |  | At maturity | $1,000 | $1,000,000 | 5.55%p.a. for 1 year0.05 below first ranked | Go to site |
| 7 |  | At maturity | $1,000 | $9,999,999 | 5.50%p.a. for 1 year0.10 below first ranked | Go to site |
| 8 | | Monthly | $500 | $3,000,000 | 5.50%p.a. for 1 year0.10 below first ranked | Go to site |
| 9 |  | At maturity | $500 | $10,000,000 | 5.50%p.a. for 1 year0.10 below first ranked | Go to site |
| 10 |  | At maturity | $5,000 | — | 5.50%p.a. for 1 year0.10 below first ranked | Go to site |
| 11 |  | At maturity | $1,000 | $2,000,000 | 5.45%p.a. for 1 year0.15 below first ranked | Go to site |
| 12 |  | At maturity | $250,000 | $9,999,999 | 5.45%p.a. for 1 year0.15 below first ranked | Go to site |
| 13 |  | At maturity | $1,000,000 | $2,000,000 | 5.40%p.a. for 1 year0.20 below first ranked | Go to site |
| 14 |  | At maturity | $249,999 | $1,000,000 | 5.40%p.a. for 1 year0.20 below first ranked | Go to site |
| 15 |  | At maturity | $1,000 | $2,000,000 | 5.40%p.a. for 1 year0.20 below first ranked | Go to site |
| 16 |  | At maturity | $5,000 | — | 5.40%p.a. for 1 year0.20 below first ranked | Go to site |
| 17 |  | At maturity | $1,000 | $2,000,000 | 5.40%p.a. for 1 year0.20 below first ranked | Go to site |
| 18 |  | At maturity | $25,000 | $1,000,000 | 5.40%p.a. for 1 year0.20 below first ranked | Go to site |
| 19 |  | At maturity | $200,000 | $500,000 | 5.40%p.a. for 1 year0.20 below first ranked | Go to site |
| 20 |  | At maturity | $5,000 | — | 5.40%p.a. for 1 year0.20 below first ranked | Go to site |
| 21 |  | At maturity | $50,000 | — | 5.40%p.a. for 1 year0.20 below first ranked | Go to site |
| 22 |  | At maturity | $1,000 | $100,000,000 | 5.40%p.a. for 1 year0.20 below first ranked | Go to site |
| 23 | | Monthly | $5,000 | $10,000,000 | 5.40%p.a. for 1 year0.20 below first ranked | Go to site |
| 24 |  | At maturity | $1,000 | — | 5.40%p.a. for 1 year0.20 below first ranked | Go to site |
| 25 |  | At maturity | $1,000,000 | $2,000,000 | 5.35%p.a. for 1 year0.25 below first ranked | Go to site |
| 26 |  | At maturity | $1,000 | $1,000,000 | 5.35%p.a. for 1 year0.25 below first ranked | Go to site |
| 27 |  | At maturity | $50,000 | $1,000,000 | 5.35%p.a. for 1 year0.25 below first ranked | Go to site |
| 28 |  | At maturity | $5,000 | $9,999,999 | 5.35%p.a. for 1 year0.25 below first ranked | Go to site |
| 29 |  | At maturity | $5,000 | — | 5.35%p.a. for 1 year0.25 below first ranked | Go to site |
| 30 |  | At maturity | $50,000 | $2,500,000 | 5.35%p.a. for 1 year0.25 below first ranked | Go to site |
| 31 |  | At maturity | $1,000 | $1,000,000 | 5.35%p.a. for 1 year0.25 below first ranked | Go to site |
| 32 |  | At maturity | — | $10 | 5.35%p.a. for 1 year0.25 below first ranked | Go to site |
| 33 |  | At maturity | $5,000 | $25,000 | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 34 |  | At maturity | $10,000 | $5,000,000 | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 35 |  | At maturity | $1,000 | $1,000,000 | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 36 |  | At maturity | $5,000 | — | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 37 |  | At maturity | $5,000 | $10,000 | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 38 |  | At maturity | $5,000 | $20,000,000 | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 39 |  | At maturity | $1,000 | $10,000,000 | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 40 | | Monthly | $1,000 | — | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 41 |  | At maturity | $1,000 | — | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 42 | | Monthly | $99,999 | $249,999 | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 43 |  | At maturity | $1,000 | $499,999 | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 44 |  | At maturity | $1,000 | $1,000,000 | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 45 |  | At maturity | $5,000 | — | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 46 |  | At maturity | $1,000 | $1,000,000 | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 47 |  | At maturity | $1,000 | $2,000,000 | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 48 | | Monthly | $50,000 | — | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 49 |  | At maturity | $1,000 | $1,000,000 | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 50 |  | At maturity | $5,000 | $1,000,000 | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 51 |  | At maturity | $5,000 | $250,000 | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 52 |  | At maturity | $5,000 | $1,999,999 | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
| 53 |  | At maturity | $1,000 | — | 5.30%p.a. for 1 year0.30 below first ranked | Go to site |
- 4AMP Bank GO 12 Month Term DepositAMP GO5.55%p.a. for 1 year0.05 below first rankedInterest at maturity · From $5,000 · Up to $10,000,000
- 5Term DepositHeartland Bank5.55%p.a. for 1 year0.05 below first rankedInterest at maturity · From $5,000
- 6Term Deposit 12 MonthsGateway Bank5.55%p.a. for 1 year0.05 below first rankedInterest at maturity · From $1,000 · Up to $1,000,000
- 7Term DepositUnity Bank5.50%p.a. for 1 year0.10 below first rankedInterest at maturity · From $1,000 · Up to $9,999,999
- 8Monthly Term Deposit 12 monthsBank Australia5.50%p.a. for 1 year0.10 below first rankedInterest paid monthly · From $500 · Up to $3,000,000
- 91 Year Term DepositBank First5.50%p.a. for 1 year0.10 below first rankedInterest at maturity · From $500 · Up to $10,000,000
- 10ME Go Term DepositME Bank5.50%p.a. for 1 year0.10 below first rankedInterest at maturity · From $5,000
- 11Personal Term DepositsJudo Bank5.45%p.a. for 1 year0.15 below first rankedInterest at maturity · From $1,000 · Up to $2,000,000
- 12Term Deposit 12 MonthQBANK5.45%p.a. for 1 year0.15 below first rankedInterest at maturity · From $250,000 · Up to $9,999,999
- 13Term DepositSuncorp5.40%p.a. for 1 year0.20 below first rankedInterest at maturity · From $1,000,000 · Up to $2,000,000
- 14TERM DEPOSITS - 12 MONTHS INTEREST ON MATURITYCommFCU5.40%p.a. for 1 year0.20 below first rankedInterest at maturity · From $249,999 · Up to $1,000,000
- 15Term DepositBankSA5.40%p.a. for 1 year0.20 below first rankedInterest at maturity · From $1,000 · Up to $2,000,000 · Needs a BankSA account
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 12-month term deposit rate tracked by BankMate is 5.60% p.a. from CommFCU (12 Month Term Deposit Special). How we rank