14 July – 18 JULY 2025

Term Deposit Rates by Institution

Institution	1 month	2 month	3 month	4 month	5 month	6 month	9 month	1 Year	2 Year	3 Year	4 Year	5 Year
ANZ	1.20	1.45	2.70	2.80	2.90	2.95	3.20	3.65	3.40	2.90	2.90	2.90
Commonwealth Bank	1.20	1.45	2.85	2.95	3.00	3.05	3.20	3.50	3.40	3.40	3.40	3.40
NAB	1.20	1.45	2.75↓	2.90↓	2.90↓	3.00↓	3.15↓	3.90	3.40↑	2.90	2.90	2.90
Westpac	1.20↓	1.40↓	2.65↓	2.75↓	2.85↓	2.90↓	3.15↓	3.55↓	3.35↓	2.85↓	2.85↓	2.85↓
Military Bank			3.15	3.85	3.85	4.45	3.85	3.85	3.55	3.55
AMP Bank	0.10	0.20	4.20	4.15	4.30	4.30	4.00	3.95	3.70	3.00	3.00	3.00
Arab Bank Australia	1.25	1.25	3.95	3.80	3.80	4.35	3.85	3.75	3.40	3.30	3.30	3.20
Bank of Melbourne	1.20↓	1.40↓	2.65↓	2.75↓	2.85↓	2.90↓	3.15↓	3.55↓	2.80	2.75↓	2.75↓	2.75↓
Bank Australia			4.00			4.15	3.95	3.90	3.80	3.80
BankSA	1.20↓	1.40↓	2.65↓	2.75↓	2.85↓	2.90↓	3.15↓	3.75	2.80	2.90	2.90	2.90
Bankwest	2.00	2.00	3.75	3.00	4.00	3.80	3.70	↓	↓	↓	↓	3.75
Bank of Sydney	1.25	1.50	3.95	3.50	3.50	4.25↓	4.10↓	4.00↓
BankVic			3.60	4.00	4.20	4.10	3.70	4.00	4.00	4.00	4.00	4.00
Beyond Bank			4.00			3.85	3.65	3.60	3.35	3.25	3.25	3.25
Bendigo Bank	1.25	1.50	2.90	3.40	3.10	3.15	3.70	3.60	2.95	3.00	3.00	3.00
BOQ	0.75	0.80	2.25	4.10	1.25	4.10	3.90	3.90	3.00	3.00	3.00
BOQ Specialist			4.25	4.15		4.20	4.00	3.95	3.50	3.50	3.50	3.50
Great Southern Bank	1.30	1.60	4.15	4.30	4.00	4.30	3.95	3.90	3.50	3.30	3.30	3.30
Defence Bank			3.60	3.60	3.70	3.75	3.75	3.85	3.45
Greater Bank	1.00	1.00	3.85	3.85	3.85	4.15	3.70	3.80	3.40	3.65	3.40	3.40
Heritage Bank	1.15	1.40	3.85	4.15	3.50	3.95	3.75	3.75	3.60	3.60	3.60	3.60
Horizon Credit Union	1.25	1.50	3.60	3.60		4.00	3.90	3.80	3.60	3.60
HSBC	1.85	2.00	3.50	3.00	3.00	3.40	3.40	3.40	3.50	3.50	3.50	3.50
IMB			4.35			4.00		3.90	3.75	3.75	4.00	4.00
ING Direct			4.30	4.25		4.15	3.95	3.95	3.80
in1bank	3.85	3.90	4.45	4.40	4.30	4.25	4.10	3.95	3.85
Judo Bank			4.25			4.35	4.15	4.00	3.95	4.00	4.25	4.35
Macquarie Bank	2.10	2.10	4.20	4.15		4.10	3.80	3.80	3.60	3.65	3.80	3.80
ME Bank	0.75	0.80	4.20	4.15	4.15	4.20	2.00	2.00	2.00	2.00	2.00	2.00
MyState Bank	0.50	0.50	4.00	4.15	4.20	4.20	4.00	4.00	3.75
Newcastle Permanent	1.00	1.00	3.85	3.85	3.85	4.15	3.70	3.80	3.40	3.65	3.40	3.40
People's Choice Credit Union		1.40	3.85	4.15	3.50	3.95	3.75	3.75	3.60	3.60	3.60	3.60
Police Bank			4.10	3.75	3.00	4.25	4.00	3.95
P&N Bank		1.60	3.80↓	3.00↓	4.00↓	3.80↓	3.70↓	3.80↓	3.80↓	3.80↓	3.80↓	3.80↓
RACQ Bank	0.55	1.60	4.15	3.50	3.50	4.20	4.00	4.00	3.30	3.30	3.30	3.30
Rabobank Australia	↓	↓	↓	↓	↓	↓	↓	↓	↓	↓	↓	↓
Rural Bank Limited			4.00	0.00	0.00	3.85	3.65	3.60	3.35	3.25	3.25	3.25
St.George Bank - Except VIC	1.20↓	1.40↓	2.65↓	2.75↓	2.85↓	2.90↓	3.15↓	3.55↓	2.80	2.75↓	2.75↓	2.75↓
Suncorp Bank	1.30	1.90	3.65	3.95	3.30	4.05	3.75	3.70	3.20	3.20	3.20	3.20
Teachers Mutual Bank			4.40	4.25	4.05	4.60	4.30	4.30	3.80	3.80
The Capricornian			3.00			3.25		3.80	3.70
Bank First	0.75	1.00	4.10	4.10		4.20	3.95	3.90	3.50	3.50	3.50	3.50