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Term Deposits Leaderboard

Looking for a top-rated term deposit offers on the market? Check the RateCity leaderboard to find out which term deposit is ahead with Real-Time Ratings.

How are Real Time Ratings™ calculated?

Best 12-month term deposits

The top-rated 12-month term deposits RateCity.com.au. Data based on deposit of $50k, interest paid on maturity.

Provider
RankingNext rate increased
Compare
1

5.15%

for 6 months

$1,000

5.15%

for 6 months

5.15%

for 6 months

Personal Term Deposit (At Maturity)

    2024 Award Winner

  • 6 months
  • Automatic maturity rollover
  • Joint application available
  • Maturity alert by email
More detailsmore-details
2
2 position down today

5.00%

for 12 months

$5,000

3.00%

for 3 months

4.50%

for 6 months

Term Deposit
  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Interest payment to other institution
3
3 position down today

5.00%

for 12 months

$5,000

4.50%

for 3 months

4.85%

for 6 months

Term Deposit
  • 3 months
  • Automatic maturity rollover
  • Joint application available
4
4 position down today

4.95%

for 6 months

$10,000

4.85%

for 3 months

Term Deposit (At Maturity)
  • 3 months
  • Joint application available
  • Maturity alert by email
  • Interest payment to other institution
5
5 position down today

4.85%

for 9 months

$25,000

4.85%

for 3 months

Term Deposit

    2024 Award Winner

  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Maturity alert by email

Best 3-year term deposits

The top-rated 3-year term deposits RateCity.com.au. Data based on deposit of $50k, interest paid annually.

Provider
RankingNext rate increased
Compare
1

5.00%

for 12 months

$1,000

4.45%

for 48 months

SMSF Term Deposit (Annually)
  • 48 months
  • Automatic maturity rollover
  • Joint application available
  • Maturity alert by email
2
2 position down today

4.65%

for 12 months

$5,000

4.25%

for 3 months

4.50%

for 6 months

Term Deposit
  • 3 months
  • Automatic maturity rollover
  • Maturity alert by phone
  • Interest payment to other institution
3
3 position down today

4.75%

for 6 months

$1,000

3.60%

for 3 months

4.75%

for 6 months

Term Investment
  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Interest payment to other institution
4
4 position down today

5.00%

for 12 months

$5,000

4.50%

for 3 months

4.85%

for 6 months

Term Deposit
  • 3 months
  • Automatic maturity rollover
  • Joint application available
5
5 position down today

4.85%

for 9 months

$25,000

4.85%

for 3 months

Term Deposit

    2024 Award Winner

  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Maturity alert by email

Best 5-year term deposits

The top-rated 5-year term deposits RateCity.com.au. Data based on deposit of $50k, interest paid annually.

Provider
RankingNext rate increased
Compare
1

5.00%

for 12 months

$1,000

4.45%

for 48 months

SMSF Term Deposit (Annually)
  • 48 months
  • Automatic maturity rollover
  • Joint application available
  • Maturity alert by email
2
2 position down today

4.85%

for 9 months

$25,000

4.85%

for 3 months

Term Deposit

    2024 Award Winner

  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Maturity alert by email
3
3 position down today

4.90%

for 6 months

$1,000

4.40%

for 60 months

4.90%

for 6 months

Term Deposit
  • 60 months
  • Automatic maturity rollover
  • Joint application available
4
4 position down today

5.00%

for 9 months

$10,000

4.50%

for 3 months

Term Deposit
  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Interest payment to other institution
5
5 position down today

5.00%

for 9 months

$1,000

3.50%

for 3 months

Term Deposit
  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Interest payment to other institution

Best 6-month term deposits

The top-rated 6-month term deposits RateCity.com.au. Data based on deposit of $50k, interest paid on maturity.

Provider
RankingNext rate increased
Compare
1

5.15%

for 6 months

$1,000

5.15%

for 6 months

5.15%

for 6 months

Personal Term Deposit (At Maturity)

    2024 Award Winner

  • 6 months
  • Automatic maturity rollover
  • Joint application available
  • Maturity alert by email
More detailsmore-details
2
2 position down today

5.10%

for 6 months

$1,000

4.95%

for 3 months

5.10%

for 6 months

Term Deposit
  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Interest payment to other institution
3
3 position down today

5.00%

for 6 months

$5,000

3.60%

for 3 months

5.00%

for 6 months

Term Deposit
  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Interest payment to other institution
4
4 position down today

5.00%

for 6 months

$5,000

4.00%

for 3 months

4.20%

for 4 months

Term Investment
  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Interest payment to other institution
5
5 position down today

5.05%

for 6 months

$1,000

3.50%

for 3 months

3.90%

for 4 months

Term Deposits
  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Maturity alert by email

Best 3-month term deposits

The top-rated 3-month term deposits RateCity.com.au. Data based on deposit of $50k, interest paid on maturity.

Provider
RankingNext rate increased
Compare
1

5.15%

for 6 months

$1,000

5.15%

for 6 months

5.15%

for 6 months

Personal Term Deposit (At Maturity)

    2024 Award Winner

  • 6 months
  • Automatic maturity rollover
  • Joint application available
  • Maturity alert by email
More detailsmore-details
2
2 position down today

4.95%

for 6 months

$5,000

4.90%

for 3 months

4.95%

for 6 months

Term Deposit
  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Interest payment to other institution
3
3 position down today

5.10%

for 6 months

$1,000

4.95%

for 3 months

5.10%

for 6 months

Term Deposit
  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Interest payment to other institution
4
4 position down today

4.95%

for 3 months

$5,000

4.95%

for 3 months

Term Deposit
  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Interest payment to other institution
5
5 position down today

4.85%

for 9 months

$25,000

4.85%

for 3 months

Term Deposit

    2024 Award Winner

  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Maturity alert by email

Checkout more term deposits

Promoted

Judo Bank Pty Ltd

Personal Term Deposit (At Maturity)

Real Time Rating™
  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Maturity alert by email

2024 Award Winner

Interest rate

5.00%

p.a

for 3 months

Min deposit

$1,000

Next rate increased

5.15%

p.a

for 6 months

Max rate

5.15%

p.a

for 6 months

More detailsmore-details

Promoted

Northern Inland Credit Union

Term Deposit

Real Time Rating™
  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Interest payment to other institution
Interest rate

3.40%

p.a

for 3 months

Min deposit

$1,000

Next rate increased

4.00%

p.a

for 6 months

Max rate

4.40%

p.a

for 12 months

More detailsmore-details

Promoted

Transport Mutual Credit Union Limited

Term Deposit

Real Time Rating™
  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Maturity alert by phone
Interest rate

2.70%

p.a

for 3 months

Min deposit

$1,000

Next rate increased

3.20%

p.a

for 6 months

Max rate

4.20%

p.a

for 24 months

More detailsmore-details

Promoted

Bank WAW

Term Deposits

Real Time Rating™
  • 3 months
  • Automatic maturity rollover
  • Joint application available
  • Maturity alert by email
Interest rate

2.10%

p.a

for 3 months

Min deposit

$1,000

Next rate increased

2.50%

p.a

for 6 months

Max rate

2.90%

p.a

for 24 months

More detailsmore-details

Product data updated on 17 Jan 2025