LEADERBOARD
The term deposit leaderboard
Top-ranked term deposits across every category β short, long, monthly income, and best of big four.
π₯
Best Overall Rate
#1
#1
π¦
Term Deposit
G&C Mutual BankLive
5.55%
2 years
Details
π¦
Term Deposit
G&C Mutual BankLive
5.55%2 years
+
Rate Details
Interest rate5.55%
Term2 years
Interest paidAnnually
Details
π°Minimum deposit
$1,000
πMaximum deposit
$9,999,999
β
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 Where funds are withdrawn from a term deposit account prior to maturity, a reduction to the interest rate will be applied dependent on the time left until maturity.
πCompounding
monthly
#2
#2
π¦
Term Deposit
G&C Mutual BankLive
5.55%
30 months
Details
π¦
Term Deposit
G&C Mutual BankLive
5.55%30 months
+
Rate Details
Interest rate5.55%
Term30 months
Interest paidAnnually
Details
π°Minimum deposit
$1,000
πMaximum deposit
$9,999,999
β
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 Where funds are withdrawn from a term deposit account prior to maturity, a reduction to the interest rate will be applied dependent on the time left until maturity.
πCompounding
monthly
#3
#3
π¦
Term Deposit 12 months
Bank AustraliaLive
5.50%
1 year
Details
π¦
Term Deposit 12 months
Bank AustraliaLive
5.50%1 year
+
Rate Details
Interest rate5.50%
Term1 year
Interest paidAnnually
Details
π°Minimum deposit
$500
πMaximum deposit
$1,000,000
β
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.
πCompounding
monthly
#4
#4
π¦
Personal Term Deposits
Judo BankLive
5.50%
5 years
Details
π¦
Personal Term Deposits
Judo BankLive
5.50%5 years
+
Rate Details
Interest rate5.50%
Term5 years
Interest paidAnnually
Details
π°Minimum deposit
$0
π«Early withdrawal
Not allowed
πCompounding
monthly
#5
#5
π¦
Term Deposit 12 months
Bank AustraliaLive
5.50%
1 year
Details
π¦
Term Deposit 12 months
Bank AustraliaLive
5.50%1 year
+
Rate Details
Interest rate5.50%
Term1 year
Interest paidAnnually
Details
π°Minimum deposit
$500
πMaximum deposit
$1,000,000
β
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.
πCompounding
monthly
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β‘
Best Short Term (β€6 months)
#1
#1
π¦
Term Deposit
RACQ BankLive
5.45%
6 months
Details
π¦
Term Deposit
RACQ BankLive
5.45%6 months
+
Rate Details
Interest rate5.45%
Term6 months
Interest paidAnnually
Details
π°Minimum deposit
$0
π«Early withdrawal
Not allowed
πCompounding
monthly
#2
#2
π¦
Term Deposit
HeartlandLive
5.30%
6 months
Details
π¦
Term Deposit
HeartlandLive
5.30%6 months
+
Rate Details
Interest rate5.30%
Term6 months
Interest paidAnnually
Details
π°Minimum deposit
$5,000
π«Early withdrawal
Not allowed
πCompounding
monthly
#3
#3
π¦
Term Deposit 6 months
Bank AustraliaLive
5.30%
6 months
Details
π¦
Term Deposit 6 months
Bank AustraliaLive
5.30%6 months
+
Rate Details
Interest rate5.30%
Term6 months
Interest paidAnnually
Details
π°Minimum deposit
$500
πMaximum deposit
$1,000,000
β
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.
πCompounding
monthly
#4
#4
π¦
Term Deposit 6 months
Bank AustraliaLive
5.30%
6 months
Details
π¦
Term Deposit 6 months
Bank AustraliaLive
5.30%6 months
+
Rate Details
Interest rate5.30%
Term6 months
Interest paidAnnually
Details
π°Minimum deposit
$500
πMaximum deposit
$1,000,000
β
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.
πCompounding
monthly
#5
#5
π¦
180 Day Term Deposit
Bank FirstLive
5.25%
6 months
Details
π¦
180 Day Term Deposit
Bank FirstLive
5.25%6 months
+
Rate Details
Interest rate5.25%
Term6 months
Interest paidAt maturity
Details
π°Minimum deposit
$500
πMaximum deposit
$9,999,999.99
π«Early withdrawal
Not allowed
πCompounding
monthly
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π
Best 1 Year Rate
#1
#1
π¦
Term Deposit 12 months
Bank AustraliaLive
5.50%
1 year
Details
π¦
Term Deposit 12 months
Bank AustraliaLive
5.50%1 year
+
Rate Details
Interest rate5.50%
Term1 year
Interest paidAnnually
Details
π°Minimum deposit
$500
πMaximum deposit
$1,000,000
β
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.
πCompounding
monthly
#2
#2
π¦
Term Deposit 12 months
Bank AustraliaLive
5.50%
1 year
Details
π¦
Term Deposit 12 months
Bank AustraliaLive
5.50%1 year
+
Rate Details
Interest rate5.50%
Term1 year
Interest paidAnnually
Details
π°Minimum deposit
$500
πMaximum deposit
$1,000,000
β
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.
πCompounding
monthly
#3
#3
π¦
12 Month Term Deposit Special
CommFCULive
5.40%
1 year
Details
π¦
12 Month Term Deposit Special
CommFCULive
5.40%1 year
+
Rate Details
Interest rate5.40%
Term1 year
Interest paidAnnually
Details
π°Minimum deposit
$10,000
πMaximum deposit
$2,000,000
π«Early withdrawal
Not allowed
πCompounding
monthly
#4
#4
π¦
Monthly Term Deposit 12 months
Bank AustraliaLive
5.40%
1 year
Details
π¦
Monthly Term Deposit 12 months
Bank AustraliaLive
5.40%1 year
+
Rate Details
Interest rate5.40%
Term1 year
Interest paidMonthly
Details
π°Minimum deposit
$500
πMaximum deposit
$1,000,000
β
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.
πCompounding
monthly
#5
#5
π¦
Term Deposit
HeartlandLive
5.40%
1 year
Details
π¦
Term Deposit
HeartlandLive
5.40%1 year
+
Rate Details
Interest rate5.40%
Term1 year
Interest paidAnnually
Details
π°Minimum deposit
$5,000
π«Early withdrawal
Not allowed
πCompounding
monthly
Show More
π
Best Long Term (2+ years)
#1
#1
π¦
Term Deposit
G&C Mutual BankLive
5.55%
2 years
Details
π¦
Term Deposit
G&C Mutual BankLive
5.55%2 years
+
Rate Details
Interest rate5.55%
Term2 years
Interest paidAnnually
Details
π°Minimum deposit
$1,000
πMaximum deposit
$9,999,999
β
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.
πCompounding
monthly
#2
#2
π¦
Term Deposit
G&C Mutual BankLive
5.55%
30 months
Details
π¦
Term Deposit
G&C Mutual BankLive
5.55%30 months
+
Rate Details
Interest rate5.55%
Term30 months
Interest paidAnnually
Details
π°Minimum deposit
$1,000
πMaximum deposit
$9,999,999
β
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.
πCompounding
monthly
#3
#3
π¦
Personal Term Deposits
Judo BankLive
5.50%
5 years
Details
π¦
Personal Term Deposits
Judo BankLive
5.50%5 years
+
Rate Details
Interest rate5.50%
Term5 years
Interest paidAnnually
Details
π°Minimum deposit
$0
π«Early withdrawal
Not allowed
πCompounding
monthly
#4
#4
π¦
Personal Term Deposits
Judo BankLive
5.50%
4 years
Details
π¦
Personal Term Deposits
Judo BankLive
5.50%4 years
+
Rate Details
Interest rate5.50%
Term4 years
Interest paidAnnually
Details
π°Minimum deposit
$0
π«Early withdrawal
Not allowed
πCompounding
monthly
#5
#5
π¦
Personal Term Deposits
Judo BankLive
5.45%
2 years
Details
π¦
Personal Term Deposits
Judo BankLive
5.45%2 years
+
Rate Details
Interest rate5.45%
Term2 years
Interest paidAnnually
Details
π°Minimum deposit
$0
π«Early withdrawal
Not allowed
πCompounding
monthly
Show More
πΈ
Best Monthly Income
#1
#1
π¦
Monthly Term Deposit 12 months
Bank AustraliaLive
5.40%
1 year
Details
π¦
Monthly Term Deposit 12 months
Bank AustraliaLive
5.40%1 year
+
Rate Details
Interest rate5.40%
Term1 year
Interest paidMonthly
Details
π°Minimum deposit
$500
πMaximum deposit
$1,000,000
β
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.
πCompounding
monthly
#2
#2
π¦
Monthly Term Deposit 12 months
Bank AustraliaLive
5.40%
1 year
Details
π¦
Monthly Term Deposit 12 months
Bank AustraliaLive
5.40%1 year
+
Rate Details
Interest rate5.40%
Term1 year
Interest paidMonthly
Details
π°Minimum deposit
$500
πMaximum deposit
$1,000,000
β
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.
πCompounding
monthly
#3
#3
π¦
Term Deposit
G&C Mutual BankLive
5.40%
30 months
Details
π¦
Term Deposit
G&C Mutual BankLive
5.40%30 months
+
Rate Details
Interest rate5.40%
Term30 months
Interest paidMonthly
Details
π°Minimum deposit
$1,000
πMaximum deposit
$9,999,999
β
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.
πCompounding
monthly
#4
#4
π¦
Personal Term Deposits
Judo BankLive
5.40%
5 years
Details
π¦
Personal Term Deposits
Judo BankLive
5.40%5 years
+
Rate Details
Interest rate5.40%
Term5 years
Interest paidMonthly
Details
π°Minimum deposit
$0
π«Early withdrawal
Not allowed
πCompounding
monthly
#5
#5
π¦
Personal Term Deposits
Judo BankLive
5.40%
4 years
Details
π¦
Personal Term Deposits
Judo BankLive
5.40%4 years
+
Rate Details
Interest rate5.40%
Term4 years
Interest paidMonthly
Details
π°Minimum deposit
$0
π«Early withdrawal
Not allowed
πCompounding
monthly
Show More
π¦
Best of Big 4
#1
#1
πͺ
NAB Term Deposit
NABLive
5.20%
1 year
Details
πͺ
NAB Term Deposit
NABLive
5.20%1 year
+
Rate Details
Interest rate5.20%
Term1 year
Interest paidAnnually
Details
π°Minimum deposit
$5,000
πMaximum deposit
$1,999,999
π«Early withdrawal
Not allowed
πCompounding
monthly
#2
#2
πͺ
NAB Term Deposit
NABLive
5.20%
1 year
Details
πͺ
NAB Term Deposit
NABLive
5.20%1 year
+
Rate Details
Interest rate5.20%
Term1 year
Interest paidAnnually
Details
π°Minimum deposit
$5,000
πMaximum deposit
$1,999,999
π«Early withdrawal
Not allowed
πCompounding
monthly
#3
#3
πͺ
NAB Term Deposit
NABLive
5.20%
1 year
Details
πͺ
NAB Term Deposit
NABLive
5.20%1 year
+
Rate Details
Interest rate5.20%
Term1 year
Interest paidAnnually
Details
π°Minimum deposit
$5,000
πMaximum deposit
$1,999,999
π«Early withdrawal
Not allowed
πCompounding
monthly
#4
#4
ποΈ
ANZ Advance Notice Term Deposit
ANZLive
5.13%
1 year
Details
ποΈ
ANZ Advance Notice Term Deposit
ANZLive
5.13%1 year
+
Rate Details
Interest rate5.13%
Term1 year
Interest paidAnnually
Details
π°Minimum deposit
$0
β
Early withdrawal
Allowed
A range of rates
With an ANZ Advance Notice Term Deposit, you could potentially earn a higher interest rate in return for giving us 31 daysβ notice for early withdrawals. This could help to maximise your savings. Thereβs a range of rates available for you to consider.
πCompounding
monthly
#5
#5
ποΈ
ANZ Advance Notice Term Deposit
ANZLive
5.13%
1 year
Details
ποΈ
ANZ Advance Notice Term Deposit
ANZLive
5.13%1 year
+
Rate Details
Interest rate5.13%
Term1 year
Interest paidAnnually
Details
π°Minimum deposit
$0
β
Early withdrawal
Allowed
A range of rates
With an ANZ Advance Notice Term Deposit, you could potentially earn a higher interest rate in return for giving us 31 daysβ notice for early withdrawals. This could help to maximise your savings. Thereβs a range of rates available for you to consider.
πCompounding
monthly
Show More
These rankings rate every term deposits on one figure. Answer a few questions to see the ones that fit you β
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 β