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Term Deposit Rates

Check out the interest rates for term deposits and find out how they can help you grow your money. Remember, there's no one-size-fits-all term deposit because everyone's financial needs are different.

Sarah Grisham

Sarah Grisham

Research Director

Malcoklm Decker

Malcoklm Decker

Personal Finance Editor

Personal Term Deposit (At Maturity)

4.5/5

Voter Rating

Receive a loyalty bonus

Winner of Best Term Deposit 6 Month 50k, Compare Best Rates Awards 2023

Max rate

5.25%

for 12 months

Min. deposit

$1,000

Interest rate

5.25%

for 12 months

Next rate increased

-

Term Deposits

4.5/5

Voter Rating

Max rate

4.95%

for 12 months

Min. deposit

$1,000

Interest rate

4.95%

for 12 months

Next rate increased

-

Term Deposit

4.5/5

Voter Rating

Max rate

5.10%

for 12 months

Min. deposit

$1,000

Interest rate

5.00%

for 12 months

Next rate increased

5.10%

for 60 months

Edvest Term Deposit

4/5

Voter Rating

Max rate

4.85%

for 12 months

Min. deposit

$1,000

Interest rate

4.85%

for 12 months

Next rate increased

-

Term Deposit

4.5/5

Voter Rating

Max rate

4.40%

for 12 months

Min. deposit

$5,000

Interest rate

4.40%

for 12 months

Next rate increased

-

Term Deposit Special

4/5

Voter Rating

Max rate

4.75%

for 12 months

Min. deposit

$5,000

Interest rate

4.75%

for 12 months

Next rate increased

-

Term Deposit Special

4.5/5

Voter Rating

Max rate

4.80%

for 12 months

Min. deposit

$5,000

Interest rate

4.80%

for 12 months

Next rate increased

-

Advance Notice Term Deposit

4/5

Voter Rating

Max rate

4.80%

for 12 months

Min. deposit

$5,000

Interest rate

4.80%

for 12 months

Next rate increased

-

Term Deposit

1/5

Voter Rating

Max rate

0.15%

for 12 months

Min. deposit

$5,000

Interest rate

0.15%

for 12 months

Next rate increased

-

Term Deposit

4.5/5

Voter Rating

Max rate

4.25%

for 12 months

Min. deposit

$5,000

Interest rate

4.25%

for 12 months

Next rate increased

-

Term Deposit

4/5

Voter Rating

Max rate

4.75%

for 12 months

Min. deposit

$5,000

Interest rate

4.75%

for 12 months

Next rate increased

-

Term Deposit

3.5/5

Voter Rating

0.30% p.a. term deposit for 5 months.

Max rate

4.25%

for 12 months

Min. deposit

$5,000

Interest rate

4.00%

for 12 months

Next rate increased

-

Term Deposit

4/5

Voter Rating

Winner of Best Term Deposit 12 Months 50k, Compare Best Rates Gold Awards 2023

Max rate

4.90%

for 11 months

Min. deposit

$5,000

Interest rate

4.90%

for 12 months

Next rate increased

-

Term Deposit

4/5

Voter Rating

Max rate

5.00%

for 6 months

Min. deposit

$10,000

Interest rate

5.00%

for 12 months

Next rate increased

-

Investment Plus

4/5

Voter Rating

Winner of Best Term Deposit 6 Month 50k, Compare Best Rates Gold Awards 2023

Max rate

4.90%

for 10 months

Min. deposit

$1,000

Interest rate

4.90%

for 12 months

Next rate increased

-

Consider these promoted savings accounts

Bonus Saver Account

4.4/5
  • Bonus interest with conditions
  • Online banking
  • App banking
  • Linked account required

Maximum rate

5.00%

Base rate

0.05%

Westpac Life

4.4/5
  • Bonus interest with conditions
  • Online banking
  • App banking
  • Linked account required

Maximum rate

5.20%

Base rate

2.00%

High Interest Save Account

4.4/5
  • Bonus interest with conditions
  • Online banking
  • App banking
  • Linked account required

Maximum rate

5.00%

Base rate

0.10%

Bonus Saver Account

4.4/5
  • Intro offer rate
  • Online banking

Maximum rate

5.60%

Base rate

4.20%

Disclaimer:All investments have risks. You should not invest unless you are prepared to sustain a loss of your invested money plus any commission or other transaction charges. The listing of products above should not be considered an endorsement or recommendation to invest. The listed products and their price or yield are subject to availability and market cut-off time. TopTenInvestments strongly recommends that you perform your own independent research and/or speak with a qualified investment professional before making any financial decision.

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