Term Deposits in Australia

Within Australia, a term deposit is a type of investment that provides a fixed rate of return over a nominated investment term such as 3, 6 or 12 months. While the product is mostly provided by banks and credit unions, the deposit interest rates tend to fluctuate according to the decisions and future policies set by the Reserve Bank of Australia. It is called a certificate of deposit, time deposit or fixed deposit in other countries.

Best Australia Term Deposit Interest Rates

Deposit Account Type Term APY Account Details
CBA 5 Year Term Deposit5 year4.30% This rate requires an investment range from $50,000 to less than $1,999,999.Note this is det - AUD - May, 2014More Info
ANZ 5 Year Term Deposit5 years4.10% - AUD - Aug, 2014More Info
CBA 3 Year Term Deposit3 year4.05% This rate is applicable for a term between 36 and 47 months with the option to get paid annuallya - AUD - Jul, 2014More Info
ANZ 4 Year Term Deposit4 Years3.90% - AUD - Aug, 2014More Info
CBA 4 Year Term Deposit4 year3.90% The rate indicated is applicable for a term between 48 and 59 month range with interest paid annu - AUD - Jul, 2014More Info
ANZ 2 Year Term deposit2 year3.90% Rate is available for amounts from $5,000 to $99,999 at an annual interest maturity. Term is 24 - - AUD - Aug, 2014More Info
Credit Union Australia 1 Year Term Deposit1 year3.80% This CUA interest rate p.a indicated is for deposit balances of $5,000 or over and interest is ca - AUD - Jul, 2014More Info
BOQ 6 Month Term Deposit6 month3.75% BOQ Premier Investment account is 6 month term deposit account with no account maintenance or tra - AUD - Aug, 2014More Info
UBank 1 Year Term Deposit1 year3.71% The interest rate for this Ubank term deposit account is for a 12 month / 1 year period and may i - AUD - Jul, 2014More Info
Bankwest 1 Year Term Deposit1 year3.70% The 12 month / 1 year term deposit product from Bankwest is titled 'Gold Term Deposi - AUD - Jul, 2014More Info
ING Direct Australia 1 Year Term Deposit1 year3.70% The Interest Rates for this 12 month / 1 year term product requires a minimum deposit of $10,000. - AUD - Jul, 2014More Info
Rural Bank 1 Year Term Deposit 1 year3.70% The interest rate applicable for this deposit is with 'interest paid annually' and is for balance - AUD - Jul, 2014More Info
BOQ 1 Year Term Deposit1 year3.65% BOQ / Bank of Queensland Term Deposit interest rates require a minimum account balance of $1000 a - AUD - Aug, 2014More Info
Suncorp Bank 1 Year Term Deposit1 year3.60% Interest Rate for this Suncorp deposit product depends on amount deposited and is for a 12 month - AUD - Jul, 2014More Info
ANZ 3 Year Term Deposit3 years3.60% - AUD - Aug, 2014More Info
AustralianSuper 1 Year Term Deposit1 year3.58%-3.85% The rate is applicable to the AustralianSuper member direct investment option product for its ter - AUD - Jul, 2014More Info
Macquarie Bank 1 Year Term Deposit1 year3.55% The rate applicable is for a 1 yr term requiring a minimum deposit of $10,000. - AUD - Jul, 2014More Info
Bendigo Bank 1 Year Term Deposit1 year3.45% The interest rate for this one year product is at maturity and deposit balances ranges requires a - AUD - Jul, 2014More Info
Westpac 2 Year Term Deposit 2 year3.40% Rate is applicable for deposit amounts between $5,000 and $249,999 - AUD - Jul, 2014More Info
NAB 2 Year Term Deposit2 year3.40% Main Rate is applicable for a 2 year /24 month term deposit for a balance between $5,000 and $499 - AUD - Aug, 2014More Info
St George Bank 1 Year Term Deposit1 year3.35% The following interest rate applies for a 1 year / 12 month term and with interest paid maturity. - AUD - Jul, 2014More Info
Bank SA 1 Year Term Deposit1 year3.35% The interest rates applicable for this 1 year / 12 month term product is for interest paid at mat - AUD - Jul, 2014More Info
NAB 1 Year Term Deposit1 year3.35% Main Rate is applicable for a 1 year /12 month term deposit for a balance between $5,000 and $499 - AUD - Aug, 2014More Info
Bank of Melbourne 1 Year Term Deposit1 year3.35% The current interest rate for this BOM term deposit product is for a 1 year period and applies to - AUD - Jul, 2014More Info
Westpac Business Term Deposit1 year3.30% The account requires a minimum $5000 initial deposit and interest rate applicable at maturity for - AUD - Jul, 2014More Info
CBA 1 Year Term Deposit1 year3.30% - The investment requires a minimum of $50,000 to less than $1,999,999Main Rate is indicative - AUD - May, 2014More Info
ANZ 1 Year Term deposit1 year3.30% Main Rate is available for amounts from $5,000 to $99,999 and is indicative on a 12 month term de - AUD - Aug, 2014More Info
Westpac 1 Year Term Deposit 1 year3.30% The interest rate below is applicable for a the period greater then 12 up to 24 months and for de - AUD - Jul, 2014More Info
CBA 2 Year Term Deposit2 year3.20% This two year TD rate is paid annually or at maturity for balances less than 2 million but greate - AUD - Jul, 2014More Info
CBA 7 Month Term Deposit7 month3.15% The short term TD indicated is paid at maturity at 7 months and the rate is applicable only for b - AUD - Jul, 2014More Info
CBA 4 Month Term Deposit4 month3.10% The interest paid for this four month TD is at maturity and the interest rate indicated requires - AUD - Jul, 2014More Info
NAB 6 month Term Deposit6 month3.10% Rate is applicable for deposit amounts from $5000 to $499,999 paid interest at maturity. - AUD - Aug, 2014More Info
ANZ 6 Month Term deposit6 month3.05% The product is for a 6 month term with Interest applicable at maturity with the deposit amounts r - AUD - Aug, 2014More Info
NAB 3 Month Term Deposit3 month3.05% Rate is applicable for Amounts from $5,000 to $499,999 at maturity. - AUD - Aug, 2014More Info
ANZ 3 Month Term deposit3 month3.00% 90 day or 3 month Rates are for amounts from $5,000 to $99,999   - AUD - Aug, 2014More Info
CBA 8 Month Term Deposit8 month2.50% The rate indicated for this eight month term deposit has its interest paid at maturity and requir - AUD - Jul, 2014More Info
CBA 10 Month Term Deposit10 month2.50% Deposit balance is  >= $50,000 but less than 2 million in Australian dollars and also pay - AUD - Jul, 2014More Info
CBA 11 Month Term Deposit11 month2.50% - AUD - Jul, 2014More Info
CBA 9 Month Term Deposit9 month2.50% The interest rate on this short term nine month TD is applicable to a deposit balance that is bet - AUD - Jul, 2014More Info
Westpac 6 Month Term Deposit 6 month2.50% The deposit interest rate for this product is applicable for deposit amounts of $5,000 to $249,99 - AUD - Jul, 2014More Info
CBA 1 Month Term Deposit1 month2.50% This interest rate yield is for a 30 day/1 month deposit account and is for investments amounts f - AUD - May, 2014More Info
CBA 2 Month Term Deposit2 month2.50% The second shortest TD, the CBA two month term deposit has its interest paid at maturity.  T - AUD - Jul, 2014More Info
CBA 5 Month Term Deposit5 month2.50% This five month TD pays its interest at maturity and requires a minimum deposit balance greater t - AUD - Jul, 2014More Info
CBA 6 Month Term Deposit6 month2.50% This annual interest rate yield indicated for this 6 month/180 day term deposit product requires - AUD - May, 2014More Info
ANZ 1 month Term Deposit1 month2.50% This is a short term deposit and one of the shortest maturity options available. The indicated in - AUD - Aug, 2014More Info
NAB 1 Month Term Deposit1 month2.50% - AUD - Aug, 2014More Info
CBA 3 Month Term Deposit3 month2.50%  For investments of $50,000 to less than $1,999,999 for a CBA 3 month / 90 day Term Deposit - AUD - May, 2014More Info
Westpac 1 Month Term Deposit 1 month2.50% The following deposit interest rate is applicable for a balance from $5,000 to less than $249,999 - AUD - Jul, 2014More Info
Westpac 3 Month Term Deposit 3 month2.50% Rate is applicable for a the period greater for deposit $5,000 to $249,999 - AUD - Jul, 2014More Info