Term deposit leaderboard137 term deposits1 November 2026
The highest term deposit rates for six months or less.
Rank by
- First5.45%p.a. for 6 monthsInvestment PlusAustralian Military BankInterest at maturity · From $1,000Go to site
- Second5.45%p.a. for 6 monthsTerm DepositHeartland BankInterest at maturity · From $5,000Go to site
- Third5.45%p.a. for 6 monthsTerm Deposit 6 MonthsGateway BankInterest at maturity · From $1,000 · Up to $1,000,000Go to site
Ranked by advertised interest rate, highest first, among terms of 6 months or less. Leaves out terms longer than 6 months. Business, SMSF, broker and wholesale term deposits. Compares 71 banks, not the whole market.
The other 134 term deposits
Ranked by advertised interest rate, highest first, among terms of 6 months or less.
4Places moved since 2 October0.25Rate changed in the last 30 days0.25Earlier change
| # | Term deposit | Interest paid | Deposit from | Up to | Six months or less | Links |
|---|---|---|---|---|---|---|
| 4 |  | At maturity | $1,000 | $1,000,000 | 5.45%p.a. for 6 monthsLevel with first ranked | Go to site |
| 5 |  | At maturity | $1,000 | $499,999 | 5.40%p.a. for 4 months0.05 below first ranked | Go to site |
| 6 |  | At maturity | $5,000 | — | 5.35%p.a. for 6 months0.10 below first ranked | Go to site |
| 7 |  | At maturity | $1,000 | — | 5.35%p.a. for 6 months0.10 below first ranked | Go to site |
| 8 |  | At maturity | $1,000 | $9,999,999 | 5.35%p.a. for 6 months0.10 below first ranked | Go to site |
| 9 |  | At maturity | $249,999 | $1,000,000 | 5.35%p.a. for 6 months0.10 below first ranked | Go to site |
| 10 |  | At maturity | $5,000 | — | 5.30%p.a. for 6 months0.15 below first ranked | Go to site |
| 11 |  | At maturity | $500 | $10,000,000 | 5.30%p.a. for 6 months0.15 below first ranked | Go to site |
| 12 |  | At maturity | $50,000 | $199,999 | 5.30%p.a. for 6 months0.15 below first ranked | Go to site |
| 13 |  | At maturity | $5,000 | $10,000,000 | 5.30%p.a. for 6 months0.15 below first ranked | Go to site |
| 14 |  | At maturity | $250,000 | $9,999,999 | 5.30%p.a. for 6 months0.15 below first ranked | Go to site |
| 15 |  | At maturity | $500 | $3,000,000 | 5.30%p.a. for 6 months0.15 below first ranked | Go to site |
| 16 |  | At maturity | $500 | $3,000,000 | 5.30%p.a. for 6 months0.15 below first ranked | Go to site |
| 17 | | At maturity | $500 | $3,000,000 | 5.30%p.a. for 6 months0.15 below first ranked | Go to site |
| 18 |  | At maturity | $1,000 | — | 5.30%p.a. for 6 months0.15 below first ranked | Go to site |
| 19 | | Monthly | $99,999 | $249,999 | 5.25%p.a. for 6 months0.20 below first ranked | Go to site |
| 20 |  | At maturity | $4,999 | $2,000,000 | 5.25%p.a. for 6 months0.20 below first ranked | Go to site |
| 21 |  | At maturity | $5,000 | — | 5.25%p.a. for 6 months0.20 below first ranked | Go to site |
| 22 |  | At maturity | $100,000 | $500,000 | 5.25%p.a. for 6 months0.20 below first ranked | Go to site |
| 23 |  | At maturity | $100,000 | $999,999 | 5.25%p.a. for 6 months0.20 below first ranked | Go to site |
| 24 |  | At maturity | $10,000 | $500,000 | 5.25%p.a. for 4 months0.20 below first ranked | Go to site |
| 25 |  | At maturity | — | $10 | 5.25%p.a. for 6 months0.20 below first ranked | Go to site |
| 26 |  | At maturity | $25,000 | $1,000,000 | 5.25%p.a. for 6 months0.20 below first ranked | Go to site |
| 27 |  | At maturity | $1,000 | $1,000,000 | 5.20%p.a. for 6 months0.25 below first ranked | Go to site |
| 28 |  | At maturity | $10,000 | $5,000,000 | 5.20%p.a. for 6 months0.25 below first ranked | Go to site |
| 29 |  | At maturity | $5,000 | $20,000,000 | 5.20%p.a. for 6 months0.25 below first ranked | Go to site |
| 30 |  | At maturity | $1,000 | — | 5.20%p.a. for 6 months0.25 below first ranked | Go to site |
| 31 |  | At maturity | $500,000 | $1,000,000 | 5.20%p.a. for 6 months0.25 below first ranked | Go to site |
| 32 |  | At maturity | $1,000 | $1,000,000 | 5.20%p.a. for 6 months0.25 below first ranked | Go to site |
| 33 |  | At maturity | $1,000 | $1,000,000 | 5.20%p.a. for 6 months0.25 below first ranked | Go to site |
| 34 |  | At maturity | $5,000 | $1,000,000 | 5.20%p.a. for 6 months0.25 below first ranked | Go to site |
| 35 | | Monthly | $500 | $3,000,000 | 5.20%p.a. for 6 months0.25 below first ranked | Go to site |
| 36 |  | At maturity | $1,000 | $1,000,000 | 5.20%p.a. for 6 months0.25 below first ranked | Go to site |
| 37 |  | At maturity | $50,000 | $99,999 | 5.15%p.a. for 6 months0.30 below first ranked | Go to site |
| 38 | | Monthly | $4,999 | $1,000,000 | 5.15%p.a. for 6 months0.30 below first ranked | Go to site |
| 39 |  | At maturity | $50,000 | $2,500,000 | 5.15%p.a. for 6 months0.30 below first ranked | Go to site |
| 40 |  | At maturity | $1,000 | $10,000,000 | 5.15%p.a. for 5 months0.30 below first ranked | Go to site |
| 41 | | At maturity | $1,000 | $1,000,000 | 5.10%p.a. for 3 months0.35 below first ranked | Go to site |
| 42 |  | At maturity | $5,000 | $9,999,999 | 5.10%p.a. for 6 months0.35 below first ranked | Go to site |
| 43 |  | At maturity | $5,000 | — | 5.10%p.a. for 3 months0.35 below first ranked | Go to site |
| 44 |  | At maturity | $5,000 | $50,000 | 5.10%p.a. for 6 months0.35 below first ranked | Go to site |
| 45 | | At maturity | $500 | $3,000,000 | 5.10%p.a. for 3 months0.35 below first ranked | Go to site |
| 46 | | At maturity | $500 | $10,000,000 | 5.10%p.a. for 4 months0.35 below first ranked | Go to site |
| 47 | | At maturity | $249,999 | $1,000,000 | 5.10%p.a. for 3 months0.35 below first ranked | Go to site |
| 48 | | Monthly | $5,000 | $1,000,000 | 5.10%p.a. for 6 months0.35 below first ranked | Go to site |
| 49 | | Monthly | $1,000 | $1,000,000 | 5.10%p.a. for 6 months0.35 below first ranked | Go to site |
| 50 |  | At maturity | $1,000 | $1,000,000 | 5.10%p.a. for 4 months0.35 below first ranked | Go to site |
| 51 |  | At maturity | $5,000 | $250,000 | 5.10%p.a. for 6 months0.35 below first ranked | Go to site |
| 52 |  | At maturity | $1,000 | $100,000,000 | 5.10%p.a. for 6 months0.35 below first ranked | Go to site |
| 53 | | Monthly | $5,000 | $1,000,000 | 5.10%p.a. for 6 months0.35 below first ranked | Go to site |
- 4Term DepositRACQ Bank5.45%p.a. for 6 monthsLevel with first rankedInterest at maturity · From $1,000 · Up to $1,000,000
- 5Term DepositMaitland Mutual Limited5.40%p.a. for 4 months0.05 below first rankedInterest at maturity · From $1,000 · Up to $499,999
- 6Stow It Term Deposit AccountBNK5.35%p.a. for 6 months0.10 below first rankedInterest at maturity · From $5,000
- 7Income PlusAustralian Military Bank5.35%p.a. for 6 months0.10 below first rankedInterest at maturity · From $1,000
- 8Term DepositUnity Bank5.35%p.a. for 6 months0.10 below first rankedInterest at maturity · From $1,000 · Up to $9,999,999
- 9TERM DEPOSITS - 6 TO 11 MONTHS INTEREST ON MATURITYCommFCU5.35%p.a. for 6 months0.10 below first rankedInterest at maturity · From $249,999 · Up to $1,000,000
- 10ME Go Term DepositME Bank5.30%p.a. for 6 months0.15 below first rankedInterest at maturity · From $5,000
- 11180 Day Term DepositBank First5.30%p.a. for 6 months0.15 below first rankedInterest at maturity · From $500 · Up to $10,000,000
- 12FIXED TERM DEPOSITSDarling Downs Bank5.30%p.a. for 6 months0.15 below first rankedInterest at maturity · From $50,000 · Up to $199,999
- 13AMP Bank GO 6 Month Term DepositAMP GO5.30%p.a. for 6 months0.15 below first rankedInterest at maturity · From $5,000 · Up to $10,000,000
- 14Term Deposit 6 MonthQBANK5.30%p.a. for 6 months0.15 below first rankedInterest at maturity · From $250,000 · Up to $9,999,999
- 15Term Deposit 6 monthsBank Australia5.30%p.a. for 6 months0.15 below first rankedInterest at maturity · From $500 · Up to $3,000,000
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 for terms of 6 months or less tracked by BankMate is 5.45% p.a. for 6 months from Australian Military Bank (Investment Plus). How we rank