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Macquarie Bank | |
---|---|
Interest rate (p.a.) | 4.85% |
Interest paid | At maturity |
Min - max deposit | $5,000 - $1m |
Visit provider | |
Judo Bank | |
Interest rate (p.a.) | 4.85% |
Interest paid | At maturity (reduced rate applies for monthly payment) |
Min - max deposit | $1,000 - $1m |
Visit provider | |
Bank of Sydney | |
Interest rate (p.a.) | 4.80% |
Interest paid | At maturity |
Min - max deposit | $1,000 - $1m |
Visit provider | |
Firstmac | |
Interest rate (p.a.) | 4.80% |
Interest paid | At maturity |
Min - max deposit | $5,000 - $5m |
Visit provider | |
RACQ Bank | |
Interest rate (p.a.) | 4.80% |
Interest paid | At maturity |
Min - max deposit | $1,000 - $1m |
Visit provider | |
AMP Bank | |
Interest rate (p.a.) | 4.75% |
Interest paid | At maturity |
Min - max deposit | $25,000 - $10m |
Visit provider | |
Challenger | |
Interest rate (p.a.) | 4.75% |
Interest paid | At maturity |
Min - max deposit | $25,000 - $1m |
Visit provider | |
ING | |
Interest rate (p.a.) | 4.75% |
Interest paid | At maturity |
Min - max deposit | $10,000 (no max specified) |
Visit provider | |
Move Bank | |
Interest rate (p.a.) | 4.75% |
Interest paid | At maturity |
Min - max deposit | $5,000 (no max specified) |
Visit provider | |
AMP Bank | |
Interest rate (p.a.) | 4.70% |
Interest paid | At maturity |
Min - max deposit | $5,000 - $25,000 |
Visit provider | |
Bank Australia | |
Interest rate (p.a.) | 4.70% |
Interest paid | At maturity |
Min - max deposit | $500 - $1m |
Visit provider | |
Rabobank | |
Interest rate (p.a.) | 4.70% |
Interest paid | At maturity |
Min - max deposit | $1,000 - $2m |
Visit provider | |
G&C Mutual Bank | |
Interest rate (p.a.) | 4.70% |
Interest paid | At maturity |
Min - max deposit | $1,000 (no max specified) |
Visit provider | |
Woolworths Team Bank | |
Interest rate (p.a.) | 4.70% |
Interest paid | At maturity |
Min - max deposit | $2,000 (no max specified) |
Visit provider |
Interest rate (p.a.) | Interest paid | Min - max deposit | Visit provider | |
---|---|---|---|---|
Macquarie Bank | 4.85% | At maturity | $5,000 - $1m | |
Judo Bank | 4.85% | At maturity (reduced rate applies for monthly payment) | $1,000 - $1m | |
Bank of Sydney | 4.80% | At maturity | $1,000 - $1m | |
Firstmac | 4.80% | At maturity | $5,000 - $5m | |
RACQ Bank | 4.80% | At maturity | $1,000 - $1m | |
AMP Bank | 4.75% | At maturity | $25,000 - $10m | |
Challenger | 4.75% | At maturity | $25,000 - $1m | |
ING | 4.75% | At maturity | $10,000 (no max specified) | |
Move Bank | 4.75% | At maturity | $5,000 (no max specified) | |
AMP Bank | 4.70% | At maturity | $5,000 - $25,000 | |
Bank Australia | 4.70% | At maturity | $500 - $1m | |
Rabobank | 4.70% | At maturity | $1,000 - $2m | |
G&C Mutual Bank | 4.70% | At maturity | $1,000 (no max specified) | |
Woolworths Team Bank | 4.70% | At maturity | $2,000 (no max specified) |
Bank of Sydney | |
---|---|
Interest rate (p.a.) | 5.10% |
Interest paid | At maturity |
Min - max deposit | $1,000 - $1m |
Visit provider | |
Challenger | |
Interest rate (p.a.) | 5.10% |
Interest paid | At maturity |
Min - max deposit | $25,000 - $1m |
Visit provider | |
Judo Bank | |
Interest rate (p.a.) | 5.10% |
Interest paid | At maturity (reduced rate applies for monthly payment) |
Min - max deposit | $1,000 - $1m |
Visit provider | |
Arab Bank Australia | |
Interest rate (p.a.) | 5.00% |
Interest paid | At maturity |
Min - max deposit | $10,000 - $500,000 |
Visit provider | |
Australian Unity | |
Interest rate (p.a.) | 5.00% |
Interest paid | At maturity (reduced rates apply for monthly payment) |
Min - max deposit | $5,000 (no max specified) |
Visit provider | |
Bank Australia | |
Interest rate (p.a.) | 5.00% |
Interest paid | At maturity (reduced rates apply for monthly payment) |
Min - max deposit | $500 - $1m |
Visit provider | |
Bank of us | |
Interest rate (p.a.) | 5.00% |
Interest paid | At maturity (reduced rates apply for monthly payment) |
Min - max deposit | $5,000 - $200,000 |
Visit provider | |
Firstmac (180 days) | |
Interest rate (p.a.) | 5.00% |
Interest paid | At maturity |
Min - max deposit | $5,000 - $5m |
Visit provider | |
Great Southern Bank | |
Interest rate (p.a.) | 4.95% |
Interest paid | At maturity (reduced rates apply for monthly payment) |
Min - max deposit | $5,000 - (no max specified) |
Visit provider | |
Regional Australia Bank | |
Interest rate (p.a.) | 4.95% |
Interest paid | At maturity |
Min - max deposit | $1,000 to $500,000 |
Visit provider | |
Bank of Queensland | |
Interest rate (p.a.) | 4.90% |
Interest paid | At maturity |
Min - max deposit | $5,000 - $250,000 |
Visit provider | |
Heritage Bank | |
Interest rate (p.a.) | 4.90% |
Interest paid | At maturity |
Min - max deposit | $1,000 (no max specified) |
Visit provider | |
People's Choice | |
Interest rate (p.a.) | 4.90% |
Interest paid | At maturity |
Min - max deposit | $5,000 - $5m |
Visit provider | |
G&C Mutual Bank | |
Interest rate (p.a.) | 4.85% |
Interest paid | At maturity |
Min - max deposit | $1,000 (no max specified) |
Visit provider | |
ING | |
Interest rate (p.a.) | 4.85% |
Interest paid | At maturity |
Min - max deposit | $10,000 - $5m |
Visit provider | |
ME Bank | |
Interest rate (p.a.) | 4.85% |
Interest paid | At maturity |
Min - max deposit | $5,000 - $2m |
Visit provider | |
Move Bank | |
Interest rate (p.a.) | 4.85% |
Interest paid | At maturity |
Min - max deposit | $5,000 (no max specified) |
Visit provider | |
Qudos Bank | |
Interest rate (p.a.) | 4.85% |
Interest paid | Monthly/at maturity |
Min - max deposit | $5,000 (no max specified) |
Visit provider | |
RACQ Bank | |
Interest rate (p.a.) | 4.85% |
Interest paid | At maturity |
Min - max deposit | $1,000 - $1m |
Visit provider |
Interest rate (p.a.) | Interest paid | Min - max deposit | Visit provider | |
---|---|---|---|---|
Bank of Sydney | 5.10% | At maturity | $1,000 - $1m | |
Challenger | 5.10% | At maturity | $25,000 - $1m | |
Judo Bank | 5.10% | At maturity (reduced rate applies for monthly payment) | $1,000 - $1m | |
Arab Bank Australia | 5.00% | At maturity | $10,000 - $500,000 | |
Australian Unity | 5.00% | At maturity (reduced rates apply for monthly payment) | $5,000 (no max specified) | |
Bank Australia | 5.00% | At maturity (reduced rates apply for monthly payment) | $500 - $1m | |
Bank of us | 5.00% | At maturity (reduced rates apply for monthly payment) | $5,000 - $200,000 | |
Firstmac (180 days) | 5.00% | At maturity | $5,000 - $5m | |
Great Southern Bank | 4.95% | At maturity (reduced rates apply for monthly payment) | $5,000 - (no max specified) | |
Regional Australia Bank | 4.95% | At maturity | $1,000 to $500,000 | |
Bank of Queensland | 4.90% | At maturity | $5,000 - $250,000 | |
Heritage Bank | 4.90% | At maturity | $1,000 (no max specified) | |
People's Choice | 4.90% | At maturity | $5,000 - $5m | |
G&C Mutual Bank | 4.85% | At maturity | $1,000 (no max specified) | |
ING | 4.85% | At maturity | $10,000 - $5m | |
ME Bank | 4.85% | At maturity | $5,000 - $2m | |
Move Bank | 4.85% | At maturity | $5,000 (no max specified) | |
Qudos Bank | 4.85% | Monthly/at maturity | $5,000 (no max specified) | |
RACQ Bank | 4.85% | At maturity | $1,000 - $1m |
Challenger | |
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Interest rate (p.a.) | 5.15% |
Interest paid | At maturity |
Min - max deposit | $25,000 - $1m |
Visit provider | |
Bank of Sydney | |
Interest rate (p.a.) | 5.10% |
Interest paid | At maturity |
Min - max deposit | $1,000 - $1m |
Visit provider | |
Judo Bank | |
Interest rate (p.a.) | 5.10% |
Interest paid | At maturity (reduced rates apply for other payment frequencies) |
Min - max deposit | $1,000 - $1m |
Visit provider | |
Australian Unity | |
Interest rate (p.a.) | 5.00% |
Interest paid | At maturity |
Min - max deposit | $5,000 (no max specified) |
Visit provider | |
G&C Mutual Bank | |
Interest rate (p.a.) | 5.00% |
Interest paid | At maturity or annually |
Min - max deposit | $1,000 - (no max specified) |
Visit provider | |
Bank of Queensland | |
Interest rate (p.a.) | 4.90% |
Interest paid | At maturity |
Min - max deposit | $5,000 - $250,000 |
Visit provider | |
Qudos Bank | |
Interest rate (p.a.) | 4.90% |
Interest paid | Monthly/at maturity |
Min - max deposit | $5,000 (no max specified) |
Visit provider | |
Firefighters Mutual Bank | |
Interest rate (p.a.) | 4.90% |
Interest paid | At maturity |
Min - max deposit | $1 - $500,000 |
Visit provider | |
Health Professionals Bank | |
Interest rate (p.a.) | 4.90% |
Interest paid | At maturity |
Min - max deposit | $1 - $500,000 |
Visit provider | |
Teachers Mutual Bank | |
Interest rate (p.a.) | 4.90% |
Interest paid | At maturity |
Min - max deposit | $1 - $500,000 |
Visit provider | |
Unibank | |
Interest rate (p.a.) | 4.90% |
Interest paid | At maturity |
Min - max deposit | $1 - $500,000 |
Visit provider | |
Regional Australia Bank | |
Interest rate (p.a.) | 4.90% |
Interest paid | At maturity |
Min - max deposit | $1,000 to $500,000 |
Visit provider |
Interest rate (p.a.) | Interest paid | Min - max deposit | Visit provider | |
---|---|---|---|---|
Challenger | 5.15% | At maturity | $25,000 - $1m | |
Bank of Sydney | 5.10% | At maturity | $1,000 - $1m | |
Judo Bank | 5.10% | At maturity (reduced rates apply for other payment frequencies) | $1,000 - $1m | |
Australian Unity | 5.00% | At maturity | $5,000 (no max specified) | |
G&C Mutual Bank | 5.00% | At maturity or annually | $1,000 - (no max specified) | |
Bank of Queensland | 4.90% | At maturity | $5,000 - $250,000 | |
Qudos Bank | 4.90% | Monthly/at maturity | $5,000 (no max specified) | |
Firefighters Mutual Bank | 4.90% | At maturity | $1 - $500,000 | |
Health Professionals Bank | 4.90% | At maturity | $1 - $500,000 | |
Teachers Mutual Bank | 4.90% | At maturity | $1 - $500,000 | |
Unibank | 4.90% | At maturity | $1 - $500,000 | |
Regional Australia Bank | 4.90% | At maturity | $1,000 to $500,000 |
Challenger | |
---|---|
Interest rate (p.a.) | 5.15% |
Interest paid | At maturity (reduced rate applies if interest paid monthly) |
Min - max deposit | $25,000 - $1m |
Visit provider | |
Judo Bank | |
Interest rate (p.a.) | 5.10% |
Interest paid | At maturity |
Min - max deposit | $1,000 - $1m |
Visit provider | |
G&C Mutual Bank | |
Interest rate (p.a.) | 5.05% |
Interest paid | At maturity (reduced rates apply for other payment frequencies) |
Min - max deposit | $1,000 - (no max specified) |
Visit provider | |
Australian Unity | |
Interest rate (p.a.) | 5.00% |
Interest paid | At maturity |
Min - max deposit | $5,000 (no max specified) |
Visit provider | |
Qudos Bank | |
Interest rate (p.a.) | 5.00% |
Interest paid | Monthly/at maturity |
Min - max deposit | $5,000 (no max specified) |
Visit provider | |
Bank of Sydney | |
Interest rate (p.a.) | 5.00% |
Interest paid | At maturity |
Min - max deposit | $1,000 - $1m |
Visit provider | |
Firefighters Mutual Bank | |
Interest rate (p.a.) | 5.00% |
Interest paid | At maturity |
Min - max deposit | $1 - $500,000 |
Visit provider | |
Health Professionals Bank | |
Interest rate (p.a.) | 5.00% |
Interest paid | At maturity |
Min - max deposit | $1 - $500,000 |
Visit provider | |
HSBC | |
Interest rate (p.a.) | 5.00% |
Interest paid | Annually/at maturity |
Min - max deposit | $5,000 - no max |
Visit provider | |
Teachers Mutual Bank | |
Interest rate (p.a.) | 5.00% |
Interest paid | At maturity |
Min - max deposit | $1 - $500,000 |
Visit provider | |
Unibank | |
Interest rate (p.a.) | 5.00% |
Interest paid | At maturity |
Min - max deposit | $1 - $500,000 |
Visit provider | |
Firstmac | |
Interest rate (p.a.) | 4.95% |
Interest paid | At maturity |
Min - max deposit | $5,000 - $5m |
Visit provider |
Interest rate (p.a.) | Interest paid | Min - max deposit | Visit provider | |
---|---|---|---|---|
Challenger | 5.15% | At maturity (reduced rate applies if interest paid monthly) | $25,000 - $1m | |
Judo Bank | 5.10% | At maturity | $1,000 - $1m | |
G&C Mutual Bank | 5.05% | At maturity (reduced rates apply for other payment frequencies) | $1,000 - (no max specified) | |
Australian Unity | 5.00% | At maturity | $5,000 (no max specified) | |
Qudos Bank | 5.00% | Monthly/at maturity | $5,000 (no max specified) | |
Bank of Sydney | 5.00% | At maturity | $1,000 - $1m | |
Firefighters Mutual Bank | 5.00% | At maturity | $1 - $500,000 | |
Health Professionals Bank | 5.00% | At maturity | $1 - $500,000 | |
HSBC | 5.00% | Annually/at maturity | $5,000 - no max | |
Teachers Mutual Bank | 5.00% | At maturity | $1 - $500,000 | |
Unibank | 5.00% | At maturity | $1 - $500,000 | |
Firstmac | 4.95% | At maturity | $5,000 - $5m |
G&C Mutual Bank | |
---|---|
Interest rate (p.a.) | 4.85% |
Interest paid | Annually/at maturity (reduced rates apply for other payment frequencies) |
Min - max deposit | $1,000 - (no max specified) |
Visit provider | |
Judo Bank | |
Interest rate (p.a.) | 4.85% |
Interest paid | At maturity (reduced rates apply for other payment frequencies) |
Min - max deposit | $1,000 - $1m |
Visit provider | |
Community First Bank | |
Interest rate (p.a.) | 4.75% |
Interest paid | Annually (reduced rates apply for other payment frequencies) |
Min - max deposit | $50,000 - $1m |
Visit provider | |
Challenger | |
Interest rate (p.a.) | 4.70% |
Interest paid | Annually or at maturity (reduced rates apply for other payment frequencies) |
Min - max deposit | At maturity |
Visit provider | |
ING | |
Interest rate (p.a.) | 4.70% |
Interest paid | At maturity |
Min - max deposit | $10,000 (no max specified) |
Visit provider | |
Move Bank | |
Interest rate (p.a.) | 4.70% |
Interest paid | Annually |
Min - max deposit | $5,000 (no max specified) |
Visit provider | |
Qudos Bank | |
Interest rate (p.a.) | 4.70% |
Interest paid | Annually or at maturity |
Min - max deposit | $5,000 - (no max specified) |
Visit provider | |
Bank Australia | |
Interest rate (p.a.) | 4.50% |
Interest paid | At maturity |
Min - max deposit | $500 - $1m |
Visit provider | |
BankVic | |
Interest rate (p.a.) | 4.50% |
Interest paid | Annually or at maturity |
Min - max deposit | $5,000 (no max specified) |
Visit provider | |
Firstmac | |
Interest rate (p.a.) | 4.50% |
Interest paid | At maturity |
Min - max deposit | $5,000 - $5m |
Visit provider |
Interest rate (p.a.) | Interest paid | Min - max deposit | Visit provider | |
---|---|---|---|---|
G&C Mutual Bank | 4.85% | Annually/at maturity (reduced rates apply for other payment frequencies) | $1,000 - (no max specified) | |
Judo Bank | 4.85% | At maturity (reduced rates apply for other payment frequencies) | $1,000 - $1m | |
Community First Bank | 4.75% | Annually (reduced rates apply for other payment frequencies) | $50,000 - $1m | |
Challenger | 4.70% | Annually or at maturity (reduced rates apply for other payment frequencies) | At maturity | |
ING | 4.70% | At maturity | $10,000 (no max specified) | |
Move Bank | 4.70% | Annually | $5,000 (no max specified) | |
Qudos Bank | 4.70% | Annually or at maturity | $5,000 - (no max specified) | |
Bank Australia | 4.50% | At maturity | $500 - $1m | |
BankVic | 4.50% | Annually or at maturity | $5,000 (no max specified) | |
Firstmac | 4.50% | At maturity | $5,000 - $5m |
G&C Mutual Bank | |
---|---|
Interest rate (p.a.) | 4.85% |
Interest paid | Annually/at maturity (reduced rate applies for monthly payments) |
Min - max deposit | $1,000 - (no max specified) |
Visit provider | |
Judo Bank | |
Interest rate (p.a.) | 4.85% |
Interest paid | At maturity (reduced rates apply for other payment frequencies) |
Min - max deposit | $1,000 - $1m |
Visit provider | |
Community First Bank | |
Interest rate (p.a.) | 4.75% |
Interest paid | Annually |
Min - max deposit | $50k - $1m |
Visit provider | |
Qudos Bank | |
Interest rate (p.a.) | 4.50% |
Interest paid | Annually/at maturity |
Min - max deposit | $5,000 - (no max specified) |
Visit provider | |
BankVic | |
Interest rate (p.a.) | 4.50% |
Interest paid | Annually/at maturity |
Min - max deposit | $5,000 - (no max specified) |
Visit provider | |
Bank Australia | |
Interest rate (p.a.) | 4.40% |
Interest paid | At maturity |
Min - max deposit | $500 - $1m |
Visit provider | |
Rabobank | |
Interest rate (p.a.) | 4.40% |
Interest paid | Annually (reduced rates apply for other payment frequencies) |
Min - max deposit | $1,000 to $2m |
Visit provider | |
Macquarie Bank | |
Interest rate (p.a.) | 4.25% |
Interest paid | Annually |
Min - max deposit | $5,000 - $1m |
Visit provider | |
AMP Bank | |
Interest rate (p.a.) | 4.20% |
Interest paid | At maturity (reduced rates apply for other payment frequencies) |
Min - max deposit | $25,000 - $10m |
Visit provider | |
Challenger | |
Interest rate (p.a.) | 4.20% |
Interest paid | At maturity |
Min - max deposit | $25,000 - $1m |
Visit provider | |
The Mutual Bank | |
Interest rate (p.a.) | 4.20% |
Interest paid | Annually (reduced rate applies for monthly interest) |
Min - max deposit | $1,000 - $1m |
Visit provider | |
AMP Bank | |
Interest rate (p.a.) | 4.15% |
Interest paid | At maturity (reduced rates apply for other payment frequencies) |
Min - max deposit | $5,000 - $25,000 |
Visit provider |
Interest rate (p.a.) | Interest paid | Min - max deposit | Visit provider | |
---|---|---|---|---|
G&C Mutual Bank | 4.85% | Annually/at maturity (reduced rate applies for monthly payments) | $1,000 - (no max specified) | |
Judo Bank | 4.85% | At maturity (reduced rates apply for other payment frequencies) | $1,000 - $1m | |
Community First Bank | 4.75% | Annually | $50k - $1m | |
Qudos Bank | 4.50% | Annually/at maturity | $5,000 - (no max specified) | |
BankVic | 4.50% | Annually/at maturity | $5,000 - (no max specified) | |
Bank Australia | 4.40% | At maturity | $500 - $1m | |
Rabobank | 4.40% | Annually (reduced rates apply for other payment frequencies) | $1,000 to $2m | |
Macquarie Bank | 4.25% | Annually | $5,000 - $1m | |
AMP Bank | 4.20% | At maturity (reduced rates apply for other payment frequencies) | $25,000 - $10m | |
Challenger | 4.20% | At maturity | $25,000 - $1m | |
The Mutual Bank | 4.20% | Annually (reduced rate applies for monthly interest) | $1,000 - $1m | |
AMP Bank | 4.15% | At maturity (reduced rates apply for other payment frequencies) | $5,000 - $25,000 |
Judo Bank | |
---|---|
Interest rate (p.a.) | 4.85% |
Interest paid | At maturity (reduced rates apply for other payment frequencies) |
Min - max deposit | $1,000 - $1m |
Visit provider | |
Rabobank | |
Interest rate (p.a.) | 4.60% |
Interest paid | Annually (reduced rates apply for other payment frequencies) |
Min - max deposit | $1,000 - $2m |
Visit provider | |
BankVic | |
Interest rate (p.a.) | 4.50% |
Interest paid | Annually/at maturity |
Min - max deposit | $5,000 - (no max specified) |
Visit provider | |
G&C Mutual Bank | |
Interest rate (p.a.) | 4.25% |
Interest paid | Annually/at maturity |
Min - max deposit | $1,000 - (no max specified) |
Visit provider | |
Macquarie Bank | |
Interest rate (p.a.) | 4.25% |
Interest paid | Annually (reduced rates apply for other payment frequencies) |
Min - max deposit | $5,000 - $1m |
Visit provider | |
AMP Bank | |
Interest rate (p.a.) | 4.20% |
Interest paid | At maturity (reduced rates apply for other payment frequencies) |
Min - max deposit | $25,000 - $10m |
Visit provider | |
AMP Bank | |
Interest rate (p.a.) | 4.15% |
Interest paid | At maturity (reduced rates apply for other payment frequencies) |
Min - max deposit | $5,000 - $25,000 |
Visit provider | |
Challenger | |
Interest rate (p.a.) | 4.10% |
Interest paid | At maturity |
Min - max deposit | $25,000 - $1m |
Visit provider | |
Bank of Melbourne | |
Interest rate (p.a.) | 4.05% |
Interest paid | Choice of frequencies |
Min - max deposit | $1,000 to $2m |
Visit provider | |
BankSA | |
Interest rate (p.a.) | 4.05% |
Interest paid | Choice of frequencies |
Min - max deposit | $1,000 to $2m |
Visit provider | |
St.George Bank | |
Interest rate (p.a.) | 4.05% |
Interest paid | Choice of frequencies |
Min - max deposit | $1,000 to $2m |
Visit provider |
Interest rate (p.a.) | Interest paid | Min - max deposit | Visit provider | |
---|---|---|---|---|
Judo Bank | 4.85% | At maturity (reduced rates apply for other payment frequencies) | $1,000 - $1m | |
Rabobank | 4.60% | Annually (reduced rates apply for other payment frequencies) | $1,000 - $2m | |
BankVic | 4.50% | Annually/at maturity | $5,000 - (no max specified) | |
G&C Mutual Bank | 4.25% | Annually/at maturity | $1,000 - (no max specified) | |
Macquarie Bank | 4.25% | Annually (reduced rates apply for other payment frequencies) | $5,000 - $1m | |
AMP Bank | 4.20% | At maturity (reduced rates apply for other payment frequencies) | $25,000 - $10m | |
AMP Bank | 4.15% | At maturity (reduced rates apply for other payment frequencies) | $5,000 - $25,000 | |
Challenger | 4.10% | At maturity | $25,000 - $1m | |
Bank of Melbourne | 4.05% | Choice of frequencies | $1,000 to $2m | |
BankSA | 4.05% | Choice of frequencies | $1,000 to $2m | |
St.George Bank | 4.05% | Choice of frequencies | $1,000 to $2m |
Judo Bank | |
---|---|
Interest rate (p.a.) | 4.85% |
Interest paid | At maturity (reduced rates apply for other payment frequencies) |
Min - max deposit | $1,000 - $1m |
Visit provider | |
Rabobank | |
Interest rate (p.a.) | 4.70% |
Interest paid | Annually (reduced rates apply for other payment frequencies) |
Min - max deposit | $1,000 - $2m |
Visit provider | |
BankVic | |
Interest rate (p.a.) | 4.50% |
Interest paid | Annually/at maturity |
Min - max deposit | $5,000 - (no max specified) |
Visit provider | |
G&C Mutual Bank | |
Interest rate (p.a.) | 4.25% |
Interest paid | Annually/at maturity |
Min - max deposit | $1,000 - (no max specified) |
Visit provider | |
Macquarie Bank | |
Interest rate (p.a.) | 4.25% |
Interest paid | Annually |
Min - max deposit | $5,000 - $1m |
Visit provider | |
AMP Bank | |
Interest rate (p.a.) | 4.20% |
Interest paid | At maturity (reduced rates apply for other payment frequencies) |
Min - max deposit | $25,000 - $10m |
Visit provider | |
AMP Bank | |
Interest rate (p.a.) | 4.15% |
Interest paid | At maturity (reduced rates apply for other payment frequencies) |
Min - max deposit | $5,000 - $25,000 |
Visit provider | |
Challenger | |
Interest rate (p.a.) | 4.10% |
Interest paid | At maturity |
Min - max deposit | $25,000 - $1m |
Visit provider | |
Bank of Melbourne | |
Interest rate (p.a.) | 4.05% |
Interest paid | Choice of frequencies |
Min - max deposit | $1,000 to $2m |
Visit provider | |
BankSA | |
Interest rate (p.a.) | 4.05% |
Interest paid | Choice of frequencies |
Min - max deposit | $1,000 to $2m |
Visit provider | |
St.George Bank | |
Interest rate (p.a.) | 4.05% |
Interest paid | Choice of frequencies |
Min - max deposit | $1,000 to $2m |
Visit provider |
Interest rate (p.a.) | Interest paid | Min - max deposit | Visit provider | |
---|---|---|---|---|
Judo Bank | 4.85% | At maturity (reduced rates apply for other payment frequencies) | $1,000 - $1m | |
Rabobank | 4.70% | Annually (reduced rates apply for other payment frequencies) | $1,000 - $2m | |
BankVic | 4.50% | Annually/at maturity | $5,000 - (no max specified) | |
G&C Mutual Bank | 4.25% | Annually/at maturity | $1,000 - (no max specified) | |
Macquarie Bank | 4.25% | Annually | $5,000 - $1m | |
AMP Bank | 4.20% | At maturity (reduced rates apply for other payment frequencies) | $25,000 - $10m | |
AMP Bank | 4.15% | At maturity (reduced rates apply for other payment frequencies) | $5,000 - $25,000 | |
Challenger | 4.10% | At maturity | $25,000 - $1m | |
Bank of Melbourne | 4.05% | Choice of frequencies | $1,000 to $2m | |
BankSA | 4.05% | Choice of frequencies | $1,000 to $2m | |
St.George Bank | 4.05% | Choice of frequencies | $1,000 to $2m |
Challenger Bank | |
---|---|
Interest rate (p.a.) | 5.00% |
Terms available | 12 months |
Min - max deposit | $25,000 - $1m |
Visit provider | |
Firefighters Mutual Bank | |
Interest rate (p.a.) | 5.00% |
Terms available | 12 months |
Min - max deposit | $1 - $500,000 |
Visit provider | |
G&C Mutual Bank | |
Interest rate (p.a.) | 5.00% |
Terms available | 12 months |
Min - max deposit | $1,000 - (no max specified) |
Visit provider | |
Health Professionals Bank | |
Interest rate (p.a.) | 5.00% |
Terms available | 12 months |
Min - max deposit | $1 - $500,000 |
Visit provider | |
Judo Bank | |
Interest rate (p.a.) | 5.00% |
Terms available | 6, 9 or 12 months |
Min - max deposit | $1,000 - $1m |
Visit provider | |
Qudos Bank | |
Interest rate (p.a.) | 5.00% |
Terms available | 12 months |
Min - max deposit | $5,000 - (no max specified) |
Visit provider | |
Teachers Mutual Bank | |
Interest rate (p.a.) | 5.00% |
Terms available | 12 months |
Min - max deposit | $1 - $500,000 |
Visit provider | |
Unibank | |
Interest rate (p.a.) | 5.00% |
Terms available | 12 months |
Min - max deposit | $1 - $500,000 |
Visit provider | |
Australian Unity | |
Interest rate (p.a.) | 4.99% |
Terms available | 12 months |
Min - max deposit | $5,000 - (no max specified) |
Visit provider | |
G&C Mutual Bank | |
Interest rate (p.a.) | 4.95% |
Terms available | 9 months |
Min - max deposit | $1,000 - (no max specified) |
Visit provider | |
BCU Bank (55 Plus Investments) | |
Interest rate (p.a.) | 4.90% |
Terms available | 12 months |
Min - max deposit | $1,000 - $1m |
Visit provider | |
Bank Australia | |
Interest rate (p.a.) | 4.90% |
Terms available | 6 months |
Min - max deposit | $500 - $1m |
Visit provider |
Interest rate (p.a.) | Terms available | Min - max deposit | Visit provider | |
---|---|---|---|---|
Challenger Bank | 5.00% | 12 months | $25,000 - $1m | |
Firefighters Mutual Bank | 5.00% | 12 months | $1 - $500,000 | |
G&C Mutual Bank | 5.00% | 12 months | $1,000 - (no max specified) | |
Health Professionals Bank | 5.00% | 12 months | $1 - $500,000 | |
Judo Bank | 5.00% | 6, 9 or 12 months | $1,000 - $1m | |
Qudos Bank | 5.00% | 12 months | $5,000 - (no max specified) | |
Teachers Mutual Bank | 5.00% | 12 months | $1 - $500,000 | |
Unibank | 5.00% | 12 months | $1 - $500,000 | |
Australian Unity | 4.99% | 12 months | $5,000 - (no max specified) | |
G&C Mutual Bank | 4.95% | 9 months | $1,000 - (no max specified) | |
BCU Bank (55 Plus Investments) | 4.90% | 12 months | $1,000 - $1m | |
Bank Australia | 4.90% | 6 months | $500 - $1m |
If you're looking for the top term deposit rates across all term durations, here they are:
These are the highest term deposit rates available according to Money.com.au's analysis of authorised deposit taking institutions in Australia as at 25 March 2024. While we've searched far and wide to find the top rates, we cannot guarantee that all rates available in the market are shown. Where two or more providers offer the same rate, the products are listed alphabetically by provider name. Please check with the provider for current rates and eligibility criteria.
The interest rate on a term deposit dictates what return you’ll get from your money. A lot of people simply prioritise finding the highest rate available, but there can be situations where a term deposit with a lower rate could be more suitable, based on other factors explained here.
The interest rate you earn on a term deposit can vary massively based on the term duration. This is often the case even on accounts from the same provider. Bear in mind that some providers only offer shorter terms (e.g. 1 month - 2 years) whereas others offer all terms from 1 month - 5 years. Remember, you won’t be able to access the money in a term deposit during the term (without penalties applying) so choosing a suitable term is key.
For some savers, how often you receive interest payments is particularly important. An example could be if you will rely on the interest payments as income for day-to-day living. Just bear in mind that term deposits paying interest more frequently often have a reduced interest rate.
Check how much the provider actually allows you to deposit, and whether the top interest rate only applies to deposits above a certain amount. Where there is a maximum deposit amount, check if that applies per customer or per account. You may be able to spread funds across multiple term deposit accounts.
Ideally you will choose a term that matches your plans for the money deposited, but it’s worth checking what happens (and what it will cost you) if you need to withdraw the money early for any reason. A reduced interest rate and/or fees usually apply.
Make sure the term deposit you choose is offered by an authorised deposit-taking institution (ADI). Only deposits with these providers (up to $250k per customer per provider) are guaranteed by the Australian Government’s Financial Claim Scheme.
Some term deposits allow you to build on your savings by reinvesting the interest earned. Also consider what happens when the term ends and what options the provider offers. Some banks offer a loyalty bonus if you roll your deposit over into a new term.
Term deposits are generally considered to be lower risk than other investments, but you may still benefit from getting financial advice before deciding if investing in a term deposit is the right approach for you and which type of account will be best.
Term deposit
High interest savings account
You can usually open a new term deposit account online through the provider’s website. This should only take a few minutes, assuming you’re eligible and have your ID handy.
To open a term deposit, you’ll generally need to:
A term deposit is a savings product offered by most banks in Australia that pays a fixed rate of interest on money deposited for a set period of time.
During the term, savers cannot withdraw money from their term deposit without penalties applying (fees or interest deductions).
There are usually a few different options for when interest is paid on a term deposit:
For shorter terms (1-12 months) some providers only pay interest at the end of the term. Choosing to receive interest payments more frequently usually means you’ll be paid a lower rate of interest.
Most term deposit providers require a month’s notice is a customer needs to withdraw funds early. There may be exceptions for customers who need to access money because they are experiencing financial difficulty.
If you withdraw funds early, you may be charged a fee or, more likely, be paid a reduced rate of interest depending on how long is left until the term deposit matures.
If you are saving for a particular goal, such as a first home buyer saving for a deposit, it's particularly important to consider the term length and whether it suits your plans.
Here is an example of the interest rate deduction applied by term deposit provider, Rabobank.
% of term that elapsed when funds withdrawn | Interest rate deduction |
---|---|
Less than 20% | 80% |
20-39% | 60% |
40-59% | 40% |
60-79% | 20% |
80-99% | 10% |
When your term deposit ends (matures), you generally have a few options depending on the provider:
If you don’t inform your bank what you want to happen at the end of your term deposit, you may be rolled into a new term deposit by default. This may not be the term deposit with the highest rate on offer from that provider.
Money saved in a term deposit with an authorised deposit-taking institution (ADI) is guaranteed by the Australian Government’s Financial Claim Scheme, up to a value of $250,000 per person per bank. That means no matter what happens to a bank, each customer with a term deposit will be protected up to $250,000.
If you have more than $250,000 to invest, you could spread your savings across multiple term deposit providers covered by the scheme to ensure you are protected. If you are investing a large amount, consider discussing your options with a financial advisor first.
You should also make sure that the product you’re investing in is in fact a term deposit. The Australian Securities and Investments Commission (ASIC) warns that there are cases where scammers advertise fake investments as being ‘like a term deposit’ with ‘guaranteed high returns’.
There may also be legitimate investment products (e.g. managed funds) that seem similar to what a term deposit offers, but these are much higher risk, ASIC warns.
Depending on the provider, it’s usually possible to have money saved in more than one term deposit – for example, one with a short term and another with a longer term. Check with your provider whether there are limits to how much you can invest in total, even if it is split across multiple accounts.
Another point to keep in mind is that the government guarantee on deposits only applies up to $250,000 per customer, per eligible institution. That means you will be protected up to that amount across all eligible deposits you have with a single provider, even if they are split across different accounts.
The following providers are authorised deposit-taking institutions who can offer term deposits that will be covered by the government’s Financial Claims Scheme.