28 July – 1 August 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	1.2	1.45	2.7	2.8	2.9	2.95	3.2	3.65	3.4	2.9	2.9	2.9
Commonwealth Bank	1.2	1.45	2.85	2.95	3	3.05	3.2	3.5	3.4	3.4	3.4	3.4
NAB	1.2	1.45	2.75↓	2.90↓	2.90↓	3.00↓	3.15↓	3.9	3.40↑	2.9	2.9	2.9
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	0.1	0.2	4.2	4.15	4.3	4.3	4	3.95	3.7	3	3	3
Arab Bank Australia	1.25	1.25	3.95	3.8	3.8	4.35	3.85	3.75	3.4	3.3	3.3	3.2
Bank of Melbourne	1.20↓	1.40↓	2.65↓	2.75↓	2.85↓	2.90↓	3.15↓	3.55↓	2.8	2.75↓	2.75↓	2.75↓
Bank Australia			4			4.15	3.95	3.9	3.8	3.8
BankSA	1.20↓	1.40↓	2.65↓	2.75↓	2.85↓	2.90↓	3.15↓	3.75	2.8	2.9	2.9	2.9
Bankwest	2	2	3.75	3	4	3.8	3.7	↓	↓	↓	↓	3.75
Bank of Sydney	1.25	1.5	3.95	3.5	3.5	4.25↓	4.10↓	4.00↓
BankVic			3.6	4	4.2	4.1	3.7	4	4	4	4	4
Beyond Bank			4			3.85	3.65	3.6	3.35	3.25	3.25	3.25
Bendigo Bank	1.25	1.5	2.9	3.4	3.1	3.15	3.7	3.6	2.95	3	3	3
BOQ	0.75	0.8	2.25	4.1	1.25	4.1	3.9	3.9	3	3	3
BOQ Specialist			4.25	4.15		4.2	4	3.95	3.5	3.5	3.5	3.5
Great Southern Bank	1.3	1.6	4.15	4.3	4	4.3	3.95	3.9	3.5	3.3	3.3	3.3
Defence Bank			3.6	3.6	3.7	3.75	3.75	3.85	3.45
Greater Bank	1	1	3.85	3.85	3.85	4.15	3.7	3.8	3.4	3.65	3.4	3.4
Heritage Bank	1.15	1.4	3.85	4.15	3.5	3.95	3.75	3.75	3.6	3.6	3.6	3.6
Horizon Credit Union	1.25	1.5	3.6	3.6		4	3.9	3.8	3.6	3.6
HSBC	1.85	2	3.5	3	3	3.4	3.4	3.4	3.5	3.5	3.5	3.5
IMB			4.35			4		3.9	3.75	3.75	4	4
ING Direct			4.3	4.25		4.15	3.95	3.95	3.8
in1bank	3.85	3.9	4.45	4.4	4.3	4.25	4.1	3.95	3.85
Judo Bank			4.25			4.35	4.15	4	3.95	4	4.25	4.35
Macquarie Bank	2.1	2.1	4.2	4.15		4.1	3.8	3.8	3.6	3.65	3.8	3.8
ME Bank	0.75	0.8	4.2	4.15	4.15	4.2	2	2	2	2	2	2
MyState Bank	0.5	0.5	4	4.15	4.2	4.2	4	4	3.75
Newcastle Permanent	1	1	3.85	3.85	3.85	4.15	3.7	3.8	3.4	3.65	3.4	3.4
People's Choice Credit Union		1.4	3.85	4.15	3.5	3.95	3.75	3.75	3.6	3.6	3.6	3.6
Police Bank			4.1	3.75	3	4.25	4	3.95
P&N Bank		1.6	3.80↓	3.00↓	4.00↓	3.80↓	3.70↓	3.80↓	3.80↓	3.80↓	3.80↓	3.80↓
RACQ Bank	0.55	1.6	4.15	3.5	3.5	4.2	4	4	3.3	3.3	3.3	3.3
Rabobank Australia	2	2.1	4.15	3.9	3.9	4.00	3.90	3.85	3.70	3.8	4.25	4.4
Rural Bank Limited			4	0	0	3.85	3.65	3.6	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↓	2.8	2.75↓	2.75↓	2.75↓
Suncorp Bank	1.3	1.9	3.65	3.95	3.3	4.05	3.75	3.7	3.2	3.2	3.2	3.2
Teachers Mutual Bank			4.4	4.25	4.05	4.6	4.3	4.3	3.8	3.8
The Capricornian			3			3.25		3.8	3.7
Bank First	0.75	1	4.1	4.1		4.2	3.95	3.9	3.5	3.5	3.5	3.5