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Best Overall Rate

All term deposits ranked by interest rate across every term and bank

🔥

Best Overall Rate

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

Rate Details

Interest rate5.55%
Term2 years
Interest paidAnnually

Details

💰Minimum deposit
$1,000
📊Maximum deposit
$9,999,999
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 Where funds are withdrawn from a term deposit account prior to maturity, a reduction to the interest rate will be applied dependent on the time left until maturity.
🔄Compounding
monthly
#2
🏦
Term Deposit
G&C Mutual BankLive
5.55%30 months
+

Rate Details

Interest rate5.55%
Term30 months
Interest paidAnnually

Details

💰Minimum deposit
$1,000
📊Maximum deposit
$9,999,999
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 Where funds are withdrawn from a term deposit account prior to maturity, a reduction to the interest rate will be applied dependent on the time left until maturity.
🔄Compounding
monthly
#3
🏦
Term Deposit 12 months
Bank AustraliaLive
5.50%1 year
+

Rate Details

Interest rate5.50%
Term1 year
Interest paidAnnually

Details

💰Minimum deposit
$500
📊Maximum deposit
$1,000,000
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.
🔄Compounding
monthly
#4
🏦
Personal Term Deposits
Judo BankLive
5.50%5 years
+

Rate Details

Interest rate5.50%
Term5 years
Interest paidAnnually

Details

💰Minimum deposit
$0
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#5
🏦
Term Deposit 12 months
Bank AustraliaLive
5.50%1 year
+

Rate Details

Interest rate5.50%
Term1 year
Interest paidAnnually

Details

💰Minimum deposit
$500
📊Maximum deposit
$1,000,000
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.
🔄Compounding
monthly
#6
🏦
Personal Term Deposits
Judo BankLive
5.50%4 years
+

Rate Details

Interest rate5.50%
Term4 years
Interest paidAnnually

Details

💰Minimum deposit
$0
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#7
🏦
Personal Term Deposits
Judo BankLive
5.45%2 years
+

Rate Details

Interest rate5.45%
Term2 years
Interest paidAnnually

Details

💰Minimum deposit
$0
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#8
🏦
YORKETOWN TERM DEPOSIT
Police Credit Union LtdLive
5.45%13 months
+

Rate Details

Interest rate5.45%
Term13 months
Interest paidAt maturity

Details

💰Minimum deposit
$50,000
📊Maximum deposit
$2,500,000
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#9
🏦
Personal Term Deposits
Judo BankLive
5.45%7 months
+

Rate Details

Interest rate5.45%
Term7 months
Interest paidAnnually

Details

💰Minimum deposit
$0
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#10
🏦
MT BARKER TERM DEPOSIT
Police Credit Union LtdLive
5.45%13 months
+

Rate Details

Interest rate5.45%
Term13 months
Interest paidAt maturity

Details

💰Minimum deposit
$50,000
📊Maximum deposit
$2,500,000
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#11
🏦
MT GAMBIER TRM DEPOSIT
Police Credit Union LtdLive
5.45%13 months
+

Rate Details

Interest rate5.45%
Term13 months
Interest paidAt maturity

Details

💰Minimum deposit
$50,000
📊Maximum deposit
$2,500,000
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#12
🏦
CONTACT TERM DEPOSIT
Police Credit Union LtdLive
5.45%13 months
+

Rate Details

Interest rate5.45%
Term13 months
Interest paidAt maturity

Details

💰Minimum deposit
$50,000
📊Maximum deposit
$2,500,000
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#13
🏦
Personal Term Deposits
Judo BankLive
5.45%3 years
+

Rate Details

Interest rate5.45%
Term3 years
Interest paidAnnually

Details

💰Minimum deposit
$0
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#14
🏦
ADELAIDE TERM DEPOSIT
Police Credit Union LtdLive
5.45%13 months
+

Rate Details

Interest rate5.45%
Term13 months
Interest paidAt maturity

Details

💰Minimum deposit
$50,000
📊Maximum deposit
$2,500,000
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#15
🏦
PALMERSTON TRM DEPOSIT
Police Credit Union LtdLive
5.45%13 months
+

Rate Details

Interest rate5.45%
Term13 months
Interest paidAt maturity

Details

💰Minimum deposit
$50,000
📊Maximum deposit
$2,500,000
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#16
🏦
Term Deposit
RACQ BankLive
5.45%6 months
+

Rate Details

Interest rate5.45%
Term6 months
Interest paidAnnually

Details

💰Minimum deposit
$0
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#17
🏦
MARION TERM DEPOSIT
Police Credit Union LtdLive
5.45%13 months
+

Rate Details

Interest rate5.45%
Term13 months
Interest paidAt maturity

Details

💰Minimum deposit
$50,000
📊Maximum deposit
$2,500,000
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#18
🏦
TTP TERM DEPOSIT
Police Credit Union LtdLive
5.45%13 months
+

Rate Details

Interest rate5.45%
Term13 months
Interest paidAt maturity

Details

💰Minimum deposit
$50,000
📊Maximum deposit
$2,500,000
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#19
🏦
12 Month Term Deposit Special
CommFCULive
5.40%1 year
+

Rate Details

Interest rate5.40%
Term1 year
Interest paidAnnually

Details

💰Minimum deposit
$10,000
📊Maximum deposit
$2,000,000
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#20
🏦
Monthly Term Deposit 12 months
Bank AustraliaLive
5.40%1 year
+

Rate Details

Interest rate5.40%
Term1 year
Interest paidMonthly

Details

💰Minimum deposit
$500
📊Maximum deposit
$1,000,000
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.
🔄Compounding
monthly
#21
🏦
Term Deposit
HeartlandLive
5.40%1 year
+

Rate Details

Interest rate5.40%
Term1 year
Interest paidAnnually

Details

💰Minimum deposit
$5,000
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#22
🏦
Monthly Term Deposit 12 months
Bank AustraliaLive
5.40%1 year
+

Rate Details

Interest rate5.40%
Term1 year
Interest paidMonthly

Details

💰Minimum deposit
$500
📊Maximum deposit
$1,000,000
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.
🔄Compounding
monthly
#23
🏦
Term Deposit
G&C Mutual BankLive
5.40%30 months
+

Rate Details

Interest rate5.40%
Term30 months
Interest paidMonthly

Details

💰Minimum deposit
$1,000
📊Maximum deposit
$9,999,999
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.
🔄Compounding
monthly
#24
🏦
Personal Term Deposits
Judo BankLive
5.40%5 years
+

Rate Details

Interest rate5.40%
Term5 years
Interest paidMonthly

Details

💰Minimum deposit
$0
🚫Early withdrawal
Not allowed
🔄Compounding
monthly
#25
🏦
Personal Term Deposits
Judo BankLive
5.40%4 years
+

Rate Details

Interest rate5.40%
Term4 years
Interest paidMonthly

Details

💰Minimum deposit
$0
🚫Early withdrawal
Not allowed
🔄Compounding
monthly

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

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 →