Deep Almanac

Best term deposit rate at each bank

Bank data as of 2 October 2026, 22:01 UTC · generated 2 October 2026, 14:21 UTC from 83 banks with term deposit rates. Refreshed daily.

Each bank once, at the highest term deposit rate it publishes for the customer type and deposit size chosen below, whatever the term. Choose a different customer type or deposit; click a selected button again to deselect it and see each bank's best rate across all of them. Click a bank for its page, or see every bank's rate for every term and the best rates by term.

Customer

Deposit

82 banks with an eligible term deposit for personal customers with $50,000, each shown at its best rate, highest first

P S B = eligible for personal · SMSF · business customers

#	Bank	Term	Rate p.a.	Interest paid	Deposit range	P S B	Conditions	Bank updated	Links
1	Community First Bank	12 months	5.60%	at maturity	$10,000 – $2,000,000	Personal		2026-10-02	source api bank
2	Gateway Bank	12 months	5.60%	at maturity	$1,000 – $1,000,000	Personal, Business		2026-10-01	source api bank
3	Alex.Bank	12 months	5.55%	at maturity	$10,000 – $500,000	Personal, SMSF, Business	Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…; Origination via accredited deposit intermediaries only: Channel (+1 more)	2026-09-29	source api bank
4	Heartland	12 months	5.55%	at maturity	$10,000 – $2,000,000	Personal	This account is available via Australian Money Market; available via broker or intermediary (+1 more)	2026-09-30	source api bank
	Heartland	12 months	5.55%	at maturity	$10,000 – $2,000,000	Business	This account is available via Australian Money Market.; available via broker or intermediary (+1 more)	2026-09-30	source api bank
5	Unity Bank	24 months	5.55%	annually	$1,000 – $9,999,999	Personal		2026-06-24	source api bank
6	Bank Australia	12 months	5.50%	at maturity	$500 – $1,000,000	Personal, SMSF, Business		2026-09-14	source api bank
7	Bank First	365 days	5.50%	at maturity	$500 – $10,000,000	Personal	Available to members only	2026-09-16	source api bank
	Bank First	365 days	5.50%	at maturity	any	Business	Only available to school accounts that hold a membership; loyalty bonus on rollover	2026-09-16	source api bank
8	Qudos Bank	12 months	5.50%	at maturity	$10,000+	Personal		2026-09-21	source api bank
9	Suncorp Bank	24 months	5.50%	annually	$5,000 – $99,999	Personal		2026-10-01	source api bank
	Suncorp Bank	24 months	5.50%	annually	$100,000 – $999,999	Personal		2026-10-01	source api bank
10	Judo Bank	48 months	5.50%	annually	$1,000 – $2,000,000	Personal		2026-09-15	source api bank
	Judo Bank	48 months	5.50%	annually	$1,000 – $2,000,000	SMSF	An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees.	2026-09-15	source api bank
	Judo Bank	48 months	5.50%	annually	$1,000 – $2,000,000	Business	Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…	2026-09-15	source api bank
11	RACQ Bank	6 months	5.45%		$1,000 – $1,000,000	Personal		2026-09-02	source api bank
12	People First Bank / Heritage Bank	7 months	5.45%		$1,000+	Personal		2026-09-22	source api bank
	People First Bank / Heritage Bank	7–8 months	5.45%		$5,000+	Business		2026-09-22	source api bank
13	The Mutual Bank	93–122 days	5.40%		$1,000 – $499,999	Personal, Business		2026-10-01	source api bank
14	AMP Bank GO	12 months	5.40%	at maturity	$5,000 – $10,000,000	Personal	Customers must have an active AMP Bank GO Everyday Account in order to open an AMP Bank GO Personal Term Deposit: Linked Transaction Account	2026-09-28	source api bank
	AMP Bank GO	12 months	5.40%	at maturity	$5,000 – $10,000,000	Business	Customers must have an active AMP Bank GO Everyday Business Account in order to open an AMP Bank GO Business Term Deposit: Linked Business Transaction Account	2026-09-28	source api bank
15	ME Bank	12 months	5.37%	at maturity	$5,000+	Personal		2026-09-20	source api bank
16	Defence Bank	10 months	5.35%		$1,000 – $1,000,000	Personal		2026-05-20	source api bank
17	Auswide Bank	11 months	5.35%		$5,000 – $3,000,000	Personal	Only available through National Seniors Australia	2026-09-29	source api bank
	Auswide Bank	311–341 days	5.35%		$5,000 – $19,999	Personal, Business		2026-09-29	source api bank
	Auswide Bank	311–341 days	5.35%		$49,999 – $9,999,999	Personal, Business		2026-09-29	source api bank
18	ING	330 days	5.35%		$10,000 – $5,000,000	Personal	You must be an Australian resident for taxation purposes.	2026-09-13	source api bank
19	MyState Bank	11 months	5.35%		$5,000+	Personal		2026-09-28	source api bank
	MyState Bank	11 months	5.35%		$5,000+	Business		2026-09-28	source api bank
	ING	12 months	5.35%	at maturity	$10,000 – $10,000,000	SMSF, Business	You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.; You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF). (+1 more)	2026-09-17	source api bank
20	Macquarie Bank	12 months	5.35%	at maturity	$5,000 – $1,000,000	Personal, Business	Term deposit must be funded by Direct Debit.; Available for Companies and Trusts. (+3 more)	2026-09-15	source api bank
21	Orange Credit Union	12 months	5.35%	at maturity	$50,000 – $1,000,000	Personal	NEW MEMBER ONLY	2026-05-15	source api bank
	QBank	12 months	5.35%	at maturity	$250,000 – $1,000,000	Personal	You do not have to be a member of Qbank to hold a term deposit.	2026-08-20	source api bank
22	Woolworths Team Bank	1–7 months	5.30%		$2,000 – $1,000,000	Personal	Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…	2026-09-23	source api bank
	Beyond Bank Australia	9 months	5.30%		$2,000 – $50,000	Personal, Business	Membership: You must be or become a Beyond Bank Australia member	2026-09-28	source api bank
23	Beyond Bank Australia	9 months	5.30%		$50,000 – $200,000	Personal, Business	Membership: You must be or become a Beyond Bank Australia member	2026-09-28	source api bank
	Beyond Bank Australia	9 months	5.30%		$200,000 – $5,000,000	Personal, Business	Membership: You must be or become a Beyond Bank Australia member	2026-09-28	source api bank
24	Southern Cross Credit Union	9 months	5.30%		$5,000 – $20,000,000	Personal		2026-09-22	source api bank
	Southern Cross Credit Union	9 months	5.30%		$5,000 – $2,000,000	Business		2026-09-22	source api bank
25	ANZ	12–24 months	5.30%	at maturity	$5,000+	Personal	You will need an existing ANZ everyday account or ANZ savings account; advance notice product	2026-09-23	source api bank
26	Australian Mutual Bank	365–394 days	5.30%	at maturity	$5,000 – $1,000,000	Personal	This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…; You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…	2026-08-26	source api bank
27	Bank of Melbourne	12 months	5.30%	at maturity	$1,000 – $2,000,000	Personal	Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…; Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online). (+2 more)	2026-09-21	source api bank
	Bank of Melbourne	12 months	5.30%	at maturity	$1,000 – $2,000,000	Business	You must be an existing Bank of Melbourne banking customer; Online application and online bonus rate available for personal customers and sole traders only. (+2 more)	2026-09-21	source api bank
28	BankSA	12 months	5.30%	at maturity	$1,000 – $2,000,000	Personal	Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…; Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online). (+2 more)	2026-09-21	source api bank
	BankSA	12 months	5.30%	at maturity	$1,000 – $2,000,000	Business	You must be an existing BankSA banking customer; Online application and online bonus rate available for personal customers and sole traders only. (+2 more)	2026-09-21	source api bank
29	BOQ	12 months	5.30%	at maturity	$5,000+	Personal		2026-09-20	source api bank
30	BOQ Specialist	12 months	5.30%	at maturity	$1,000 – $100,000,000	Personal	Exclusively available to medical professionals and accountants	2026-09-21	source api bank
	CommBank	12 months	5.30%	at maturity	$10,000 – $50,000	Personal, SMSF, Business	Have an Australian residential address, or otherwise subject to exception.; A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age… (+3 more)	2026-10-02	source api bank
31	CommBank	12 months	5.30%	at maturity	$50,000 – $100,000	Personal, SMSF, Business	Have an Australian residential address, or otherwise subject to exception.; A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age… (+3 more)	2026-10-02	source api bank
	CommBank	12 months	5.30%	at maturity	$100,000+	Personal, SMSF, Business	Have an Australian residential address, or otherwise subject to exception.; A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age… (+3 more)	2026-10-02	source api bank
32	Firefighters Mutual Bank	365–394 days	5.30%	at maturity	$5,000 – $500,000	Personal	This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…; You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…	2026-07-13	source api bank
33	First Option Bank	12–13 months	5.30%	at maturity	$1,000 – $2,000,000	Personal		2026-06-18	source api bank
	Greater Bank	12 months	5.30%	at maturity	$5,000 – $50,000	Personal	Must be identifiable in terms of legislative requirements	2026-09-27	source api bank
34	Greater Bank	12 months	5.30%	at maturity	$50,000+	Personal	Must be identifiable in terms of legislative requirements	2026-09-27	source api bank
35	Health Professionals Bank	365–394 days	5.30%	at maturity	$5,000 – $500,000	Personal	This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…; You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…	2026-07-14	source api bank
36	NAB	12 months	5.30%	at maturity	$5,000 – $1,999,999	Personal, Business		2026-09-20	source api bank
37	Newcastle Permanent	346–385 days	5.30%	at maturity	$1,000 – $100,000,000	Personal		2026-09-28	source api bank
38	St.George Bank	12 months	5.30%	at maturity	$1,000 – $2,000,000	Personal	Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…; Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online). (+2 more)	2026-09-21	source api bank
	St.George Bank	12 months	5.30%	at maturity	$1,000 – $2,000,000	Business	You must be an existing St.George banking customer; Online application and online bonus rate available for personal customers and sole traders only. (+2 more)	2026-09-21	source api bank
39	Teachers Mutual Bank	365–394 days	5.30%	at maturity	$5,000 – $1,000,000	Personal	This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…; You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…	2026-07-13	source api bank
40	UniBank	365–394 days	5.30%	at maturity	$5,000 – $500,000	Personal	This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…; You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…	2026-07-13	source api bank
41	Westpac	12 months	5.30%	at maturity	$5,000 – $2,000,000	Personal, Business	Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…; Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader. (+2 more)	2026-09-21	source api bank
	Rabobank	60 months	5.30%	annually	$5,000 – $50,000	Personal, SMSF, Business	Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…	2026-09-15	source api bank
42	Rabobank	60 months	5.30%	annually	$50,000 – $2,000,000	Personal, SMSF, Business	Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…	2026-09-15	source api bank
	Rabobank	60 months	5.30%	annually	$100,000 – $250,000	Personal	New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…; loyalty bonus on rollover	2026-09-15	source api bank
43	Border Bank	4 months	5.25%		$10,000 – $500,000	Personal		2026-09-02	source api bank
44	Police Bank	4 months	5.25%		$10,000 – $500,000	Personal		2026-09-02	source api bank
	Bank of us	209–238 days	5.25%		$5,000 – $25,000	Personal		2026-05-12	source api bank
45	Bank of us	209–238 days	5.25%		$25,000 – $100,000	Personal		2026-05-12	source api bank
	Bank of us	209–238 days	5.25%		$100,000 – $500,000	Personal		2026-05-12	source api bank
46	BNK Bank	7 months	5.25%		$5,000+	Personal, Business		2026-07-19	source api
	BNK Bank	7 months	5.25%		$5,000+	SMSF, Business		2026-07-19	source api
47	Police Credit Union	9 months	5.25%		$50,000 – $2,500,000	Personal		2026-04-30	source api bank
48	Bank of China	11 months	5.25%		$1,000+	Personal		2026-04-30	source api bank
49	Coastline Bank	12 months	5.25%	at maturity	$50,000+	Personal	age 50 and over; existing customers only (+2 more)	2026-06-01	source api bank
50	Dnister	12 months	5.25%	at maturity	$1,000 – $1,000,000	Personal		2026-10-02	source api bank
51	Geelong Bank	12 months	5.25%	at maturity	$1,000 – $1,000,000	Personal		2026-09-17	source api bank
52	Hume Bank	12 months	5.25%	at maturity	$1,000 – $1,000,000	Personal, Business		2026-09-17	source api bank
53	Queensland Country Bank	12 months	5.25%	at maturity	$1,000+	Personal		2026-10-02	source api bank
54	Regional Australia Bank	12 months	5.25%	at maturity	$1,000 – $500,000	Personal		2026-09-03	source api bank
	Summerland Bank	12 months	5.25%	at maturity	$100,000 – $1,000,000	Personal		2026-09-03	source api bank
	Defence Bank	24 months	5.25%	at maturity	$2,000 – $1,000,000	SMSF, Business		2026-07-08	source api bank
55	Great Southern Bank	60 months	5.25%	annually	$5,000+	Personal	age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…	2026-08-26	source api bank
56	BCU Bank	6 months	5.20%		$1,000 – $1,000,000	Personal	You must be or become a BCU Bank member; existing customers only (+1 more)	2026-08-24	source api bank
57	P&N Bank	6 months	5.20%		$5,000 – $1,000,000	Personal	You must be or become a P&N Bank member; existing customers only (+1 more)	2026-08-24	source api bank
58	BankWAW	12 months	5.20%	at maturity	$1,000 – $1,000,000	Personal, Business		2026-05-18	source api bank
59	Bankwest	12–24 months	5.20%	at maturity	$1,000 – $10,000,000	Personal	Account is available for single and joint account holder.; You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account). (+4 more)	2026-10-01	source api bank
	BOQ	365–729 days	5.20%	at maturity	$5,000 – $249,999	Personal, Business	QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…; Not-for-profit organisations. Not available to Self-Managed Superannuation Funds.	2026-09-21	source api bank
	Darling Downs Bank	12 months	5.20%	at maturity	$200,000 – $500,000	Personal	Must be a member of the Credit Union	2026-05-22	source api
	Orange Credit Union	12 months	5.20%	half-yearly	$1,000 – $1,000,000	Personal	MEMBER ONLY	2026-07-02	source api bank
	Arab Bank Australia	5–6 months	5.15%		$10,000 – $49,999	Personal	 Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…	2026-09-16	source api bank
60	Arab Bank Australia	5–6 months	5.15%		$50,000 – $99,999	Personal	 Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…	2026-09-16	source api bank
	Arab Bank Australia	5–6 months	5.15%		$100,000 – $499,999	Personal	 Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…	2026-09-16	source api bank
	Arab Bank Australia	5–6 months	5.15%		$10,000 – $49,999	Business	• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…	2026-08-18	source api bank
	Arab Bank Australia	5–6 months	5.15%		$50,000 – $99,999	Business	• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…	2026-08-18	source api bank
	Arab Bank Australia	5–6 months	5.15%		$100,000 – $499,999	Business	• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…	2026-08-18	source api bank
61	BankVic	9 months	5.15%		$5,000 – $10,000,000	Personal	BankVic Member	2026-08-12	source api bank
62	IMB Bank	12 months	5.15%	at maturity	$5,000+	Personal	The mininum term: 30 days	2026-10-02	source api bank
63	Summerland Bank	12 months	5.15%	at maturity	$20,000 – $100,000	Personal		2026-09-03	source api bank
64	Credit Union SA	4 months	5.10%		$1,000+	Personal		2026-09-16	source api bank
65	Darling Downs Bank	6 months	5.10%		$50,000 – $199,999	Personal	Must be a member of the Credit Union	2026-05-22	source api
	First Option Bank	12 months	5.10%	at maturity	$1,000 – $2,000,000	Business		2026-07-01	source api bank
66	The Capricornian	12 months	5.10%	at maturity	$5,000 – $250,000	Personal, Business	Available to individuals, companies and trust for personal or business use.; Is currently, or wishes to become, a shareholding member of The Capricornian Ltd.	2026-10-02	source api bank
	Coastline Bank	12 months	5.05%	at maturity	$5,000 – $25,000	Personal	age 50 and over; existing customers only (+2 more)	2026-06-01	source api bank
	Summerland Bank	12 months	5.05%	at maturity	$1,000 – $20,000	Personal		2026-09-03	source api bank
	Darling Downs Bank	6 months	5.00%		$5,000 – $49,999	Personal	Must be a member of the Credit Union	2026-05-22	source api
67	GMCU	6–8 months	5.00%		$4,999 – $2,000,000	Personal	You must become a member. Visit our website for more details.	2026-08-17	source api bank
	ANZ	12–18 months	5.00%	at maturity	$5,000+	Business	advance notice product	2026-05-14	source api bank
68	Broken Hill Bank	12 months	5.00%	at maturity	$5,000 – $500,000	Personal		2026-06-11	source api bank
69	Cairns Bank	365–729 days	5.00%	at maturity	$1,000 – $1,000,000	Personal		2026-06-29	source api bank
70	Horizon Bank	12 months	5.00%	at maturity	$1,000 – $10,000,000	Personal		2026-08-17	source api bank
	SWS Bank	12 months	5.00%	at maturity	$10,000 – $50,000	Personal, Business		2026-05-11	source api bank
71	SWS Bank	12 months	5.00%	at maturity	$50,000 – $10,000,000	Personal, Business		2026-05-11	source api bank
72	The Mac	12 months	5.00%	at maturity	$5,000 – $1,000,000	Personal		2026-08-24	source api bank
73	QBank	12 months	4.95%	at maturity	$10,000 – $100,000	Personal	You do not have to be a member of Qbank to hold a term deposit.	2026-08-20	source api bank
74	Bendigo Bank	12 months	4.90%	at maturity	$5,000 – $5,000,000	Personal		2026-09-24	source api bank
	Central West Credit Union	12–17 months	4.90%	at maturity	$5,000 – $50,000	Personal		2026-07-15	source api bank
75	Central West Credit Union	12–17 months	4.90%	at maturity	$50,000 – $1,700,000	Personal		2026-07-15	source api bank
	Northern Inland Credit Union	12 months	4.90%	at maturity	$10,000 – $25,000	Personal		2026-04-22	source api bank
76	Northern Inland Credit Union	12 months	4.90%	at maturity	$50,000 – $100,000	Personal		2026-04-22	source api bank
77	Laboratories Credit Union	13–23 months	4.90%	quarterly	$5,000 – $500,000	Personal	Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. "Own yo…; To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…	2026-10-02	source api bank
78	Australian Military Bank	7 months	4.40%		$500+	Personal	age 18 and under	2026-08-24	source api bank
79	Fire Service Credit Union	3 months	4.35%		$25,000 – $1,000,000	Personal, Business	To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.	2026-05-20	source api bank
	Central Murray Bank	12 months	4.25%	at maturity	$10,000 – $25,000	Personal		2026-08-06	source api bank
80	Central Murray Bank	12 months	4.25%	at maturity	$50,000 – $3,500,000	Personal		2026-08-06	source api bank
	Fire Service Credit Union	6 months	4.10%		$5,000 – $24,999	Personal, Business	To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.	2026-05-20	source api bank
	Police Credit Union	12 months	3.85%	at maturity	$5,000 – $50,000	Personal		2026-04-30	source api bank
81	Transport Mutual Credit Union	6–11 months	3.55%		$1,000 – $1,000,000	Personal		2026-08-04	source api bank
82	RSL Money	18 months	3.55%	annually	$1,000+	Personal	Exclusively for RSL Sub Branches and their members	2026-08-24	source api bank
	Tyro	30 days	3.50%		$1,000 – $100,000	Business	You must be a Tyro EFTPOS/eCommerce with an active Tyro Bank Account to open a Tyro Business Term Deposit.	2026-02-15	source api bank
	Transport Mutual Credit Union	3–5 months	3.15%		$1,000 – $1,000,000	SMSF		2026-05-12	source api bank

Rates are per annum as published by the bank. Each bank's best rate is the highest whose balance tier and minimum deposit cover the selected deposit size, across every term; a rate published for a band of terms shows the band. The same data is published as JSON at /au/finance/term-deposits/v1/best.json.

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