Deep Almanac

Best term deposit rates in Australia

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.

The highest advertised term deposit rate for every term from 1 month to 5 years and for deposits of $10,000, $50,000 and $250,000, picked each day from every Australian bank's public Consumer Data Right product feed. Rates are per annum as published; the bank's own conditions apply. Every bank's rates, with the conditions and a page per bank, are on the full page; the best rate at each bank has one row per bank.

Customer

Best rate by term

Highest term deposit rate published for each term and deposit size. Colour is the deposit size, dashes the customer type; click the selected customer type above to deselect it and compare all three. Interest paid at maturity or annually as published.

$10,000
$50,000
$250,000
·
Personal
SMSF
Business

Colour is the deposit size, dashes the customer type. The y-axis does not start at zero.

Best rate by term and deposit size

Best term deposit rate by customer type, term and deposit size, with the bank
Customer	Term	$10,000	$50,000	$250,000
Personal	1 month	5.30%Woolworths Team Bank	5.30%Woolworths Team Bank	5.30%Woolworths Team Bank
Personal	2 months	5.30%Woolworths Team Bank	5.30%Woolworths Team Bank	5.30%Woolworths Team Bank
Personal	3 months	5.30%Woolworths Team Bank	5.30%Woolworths Team Bank	5.30%Woolworths Team Bank
Personal	4 months	5.40%The Mutual Bank	5.40%The Mutual Bank	5.40%The Mutual Bank
Personal	5 months	5.30%Woolworths Team Bank	5.30%Woolworths Team Bank	5.30%Woolworths Team Bank
Personal	6 months	5.45%Gateway Bank	5.45%Gateway Bank	5.45%Gateway Bank
Personal	7 months	5.45%People First Bank / Heritage Bank	5.45%People First Bank / Heritage Bank	5.45%People First Bank / Heritage Bank
Personal	8 months	5.25%BNK Bank	5.25%BNK Bank	5.25%BNK Bank
Personal	9 months	5.40%Bank First	5.40%Bank First	5.40%Bank First
Personal	10 months	5.35%Defence Bank	5.35%Defence Bank	5.35%Defence Bank
Personal	11 months	5.35%Auswide Bank	5.35%Auswide Bank	5.35%Auswide Bank
Personal	12 months	5.60%Community First Bank	5.60%Community First Bank	5.60%Community First Bank
Personal	18 months	5.30%ANZ	5.30%ANZ	5.30%ANZ
Personal	24 months	5.55%Unity Bank	5.55%Unity Bank	5.55%Unity Bank
Personal	36 months	5.45%Judo Bank	5.45%Judo Bank	5.45%Judo Bank
Personal	48 months	5.50%Judo Bank	5.50%Judo Bank	5.50%Judo Bank
Personal	60 months	5.50%Judo Bank	5.50%Judo Bank	5.50%Judo Bank
SMSF	1 month	4.05%BNK Bank	4.05%BNK Bank	4.05%BNK Bank
SMSF	2 months	4.45%BNK Bank	4.45%BNK Bank	4.45%BNK Bank
SMSF	3 months	5.10%Bank Australia	5.10%Bank Australia	5.10%Bank Australia
SMSF	4 months	5.10%Defence Bank	5.10%Defence Bank	5.10%Defence Bank
SMSF	5 months	5.20%BNK Bank	5.20%BNK Bank	5.20%BNK Bank
SMSF	6 months	5.30%Alex.Bank	5.30%Alex.Bank	5.30%Alex.Bank
SMSF	7 months	5.25%BNK Bank	5.25%BNK Bank	5.25%BNK Bank
SMSF	8 months	5.25%BNK Bank	5.25%BNK Bank	5.25%BNK Bank
SMSF	9 months	5.35%Alex.Bank	5.35%Alex.Bank	5.35%Alex.Bank
SMSF	10 months	5.25%BNK Bank	5.25%BNK Bank	5.25%BNK Bank
SMSF	11 months	5.25%BNK Bank	5.25%BNK Bank	5.25%BNK Bank
SMSF	12 months	5.55%Alex.Bank	5.55%Alex.Bank	5.55%Alex.Bank
SMSF	18 months	5.10%Alex.Bank	5.10%Alex.Bank	5.10%Alex.Bank
SMSF	24 months	5.45%Judo Bank	5.45%Judo Bank	5.45%Judo Bank
SMSF	36 months	5.45%Judo Bank	5.45%Judo Bank	5.45%Judo Bank
SMSF	48 months	5.50%Judo Bank	5.50%Judo Bank	5.50%Judo Bank
SMSF	60 months	5.50%Judo Bank	5.50%Judo Bank	5.50%Judo Bank
Business	1 month	4.95%Bank First	4.95%Bank First	4.95%Bank First
Business	2 months	5.00%Arab Bank Australia	5.00%Arab Bank Australia	5.00%Arab Bank Australia
Business	3 months	5.15%Gateway Bank	5.15%Gateway Bank	5.15%Gateway Bank
Business	4 months	5.40%The Mutual Bank	5.40%The Mutual Bank	5.40%The Mutual Bank
Business	5 months	5.30%Bank First	5.30%Bank First	5.30%Bank First
Business	6 months	5.45%Gateway Bank	5.45%Gateway Bank	5.45%Gateway Bank
Business	7 months	5.45%People First Bank / Heritage Bank	5.45%People First Bank / Heritage Bank	5.45%People First Bank / Heritage Bank
Business	8 months	5.45%People First Bank / Heritage Bank	5.45%People First Bank / Heritage Bank	5.45%People First Bank / Heritage Bank
Business	9 months	5.40%Gateway Bank	5.40%Gateway Bank	5.40%Gateway Bank
Business	10 months	5.25%BNK Bank	5.25%BNK Bank	5.25%BNK Bank
Business	11 months	5.35%Auswide Bank	5.35%Auswide Bank	5.35%Auswide Bank
Business	12 months	5.60%Gateway Bank	5.60%Gateway Bank	5.60%Gateway Bank
Business	18 months	5.20%BOQ	5.20%BOQ	5.20%People First Bank / Heritage Bank
Business	24 months	5.45%Judo Bank	5.45%Judo Bank	5.45%Judo Bank
Business	36 months	5.45%Judo Bank	5.45%Judo Bank	5.45%Judo Bank
Business	48 months	5.50%Judo Bank	5.50%Judo Bank	5.50%Judo Bank
Business	60 months	5.50%Judo Bank	5.50%Judo Bank	5.50%Judo Bank

Each cell is the highest rate whose balance tier covers that deposit size, for the customer type selected above, with the bank that publishes it. A rate published for a band of terms counts for every term in the band. The same data is published as JSON at /au/finance/term-deposits/v1/best.json.

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