RateCity.com.au
powering smart financial decisions
RateCity.com.au

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.

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.

Ranking
1
1 position down today
Product

Stow It Term Deposit

Real Time Rating™

0.00

/ 5

Winner of Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

Max rate

3.15

% p.a

for 12 months

Company
Min. deposit

$5,000

Interest rate

1.80

% p.a

for 3 months

Next rate increased

2.45

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site

Winner of Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

Ranking
2
1 position up today
Product

Personal Term Deposit (At Maturity)

Real Time Rating™

0.00

/ 5

Winner of Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

Max rate

4.25

% p.a

for 60 months

Company
Min. deposit

$1,000

Interest rate

1.15

% p.a

for 3 months

Next rate increased

1.85

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site

special

Receive a loyalty bonus

Winner of Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

Ranking
3
1 position down today
Product

Term Deposit

Real Time Rating™

0.00

/ 5
Max rate

3.15

% p.a

for 12 months

Company
Min. deposit

$5,000

Interest rate

1.80

% p.a

for 3 months

Next rate increased

2.45

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site
Ranking
4
4 position up today
Product

Term Deposit

Real Time Rating™

0.00

/ 5
Max rate

3.10

% p.a

for 60 months

Company
Min. deposit

$5,000

Interest rate

1.20

% p.a

for 3 months

Next rate increased

1.50

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site
Ranking
5
1 position down today
Product

Term Deposit

Real Time Rating™

0.00

/ 5

Winner of Best Term Deposit 12 Months 50k, RateCity Gold Awards 2022

Max rate

4.10

% p.a

for 60 months

Company
Min. deposit

$5,000

Interest rate

0.30

% p.a

for 3 months

Next rate increased

1.85

% p.a

for 5 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site

Winner of Best Term Deposit 12 Months 50k, RateCity Gold Awards 2022

Best 3-year term deposits

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

Ranking
1
1 position up today
Product

Personal Term Deposit (Annually)

Real Time Rating™

0.00

/ 5

Winner of Best Term Deposit 12 Months 50k, RateCity Gold Awards 2022

Max rate

4.20

% p.a

for 60 months

Company
Min. deposit

$1,000

Interest rate

1.15

% p.a

for 3 months

Next rate increased

1.85

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site

special

Receive a loyalty bonus

Winner of Best Term Deposit 12 Months 50k, RateCity Gold Awards 2022

Ranking
2
1 position down today
Product

Term Deposit

Real Time Rating™

0.00

/ 5

Winner of Best Term Deposit 12 Months 50k, RateCity Gold Awards 2022

Max rate

4.10

% p.a

for 60 months

Company
Min. deposit

$5,000

Interest rate

0.30

% p.a

for 3 months

Next rate increased

1.85

% p.a

for 5 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site

Winner of Best Term Deposit 12 Months 50k, RateCity Gold Awards 2022

Ranking
3
3 position down today
Product

Term Deposit

Real Time Rating™

0.00

/ 5
Max rate

3.10

% p.a

for 60 months

Company
Min. deposit

$5,000

Interest rate

1.20

% p.a

for 3 months

Next rate increased

1.50

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site
Ranking
4
7 position up today
Product

Term Deposit

Real Time Rating™

0.00

/ 5
Max rate

3.50

% p.a

for 48 months

Company
Min. deposit

$1,000

Interest rate

0.85

% p.a

for 3 months

Next rate increased

2.10

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site
Ranking
5
2 position up today
Product

Term Deposit

Real Time Rating™

0.00

/ 5
Max rate

2.50

% p.a

for 36 months

Company
Min. deposit

$5,000

Interest rate

0.90

% p.a

for 3 months

Next rate increased

0.95

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site

Best 5-year term deposits

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

Ranking
1
1 position down today
Product

Personal Term Deposit (Annually)

Real Time Rating™

0.00

/ 5

Winner of Best Term Deposit 12 Months 50k, RateCity Gold Awards 2022

Max rate

4.20

% p.a

for 60 months

Company
Min. deposit

$1,000

Interest rate

1.15

% p.a

for 3 months

Next rate increased

1.85

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site

special

Receive a loyalty bonus

Winner of Best Term Deposit 12 Months 50k, RateCity Gold Awards 2022

Ranking
2
2 position down today
Product

Term Deposit

Real Time Rating™

0.00

/ 5

Winner of Best Term Deposit 12 Months 50k, RateCity Gold Awards 2022

Max rate

4.10

% p.a

for 60 months

Company
Min. deposit

$5,000

Interest rate

0.30

% p.a

for 3 months

Next rate increased

1.85

% p.a

for 5 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site

Winner of Best Term Deposit 12 Months 50k, RateCity Gold Awards 2022

Ranking
3
3 position down today
Product

Term Deposit

Real Time Rating™

0.00

/ 5
Max rate

3.10

% p.a

for 60 months

Company
Min. deposit

$5,000

Interest rate

1.20

% p.a

for 3 months

Next rate increased

1.50

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site
Ranking
4
5 position up today
Product

Term Deposit

Real Time Rating™

0.00

/ 5
Max rate

3.50

% p.a

for 48 months

Company
Min. deposit

$1,000

Interest rate

0.85

% p.a

for 3 months

Next rate increased

2.10

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site
Ranking
5
1 position down today
Product

Money Market Term Deposit

Real Time Rating™

0.00

/ 5
Max rate

3.40

% p.a

for 60 months

Company
Min. deposit

$5,000

Interest rate

0.85

% p.a

for 3 months

Next rate increased

1.00

% p.a

for 4 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site

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.

Ranking
1
1 position down today
Product

Stow It Term Deposit

Real Time Rating™

0.00

/ 5

Winner of Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

Max rate

3.15

% p.a

for 12 months

Company
Min. deposit

$5,000

Interest rate

1.80

% p.a

for 3 months

Next rate increased

2.45

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site

Winner of Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

Ranking
2
2 position down today
Product

Term Deposit

Real Time Rating™

0.00

/ 5
Max rate

3.15

% p.a

for 12 months

Company
Min. deposit

$5,000

Interest rate

1.80

% p.a

for 3 months

Next rate increased

2.45

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site
Ranking
3
25 position up today
Product

Term Deposit

Real Time Rating™

0.00

/ 5
Max rate

3.10

% p.a

for 60 months

Company
Min. deposit

$5,000

Interest rate

1.20

% p.a

for 3 months

Next rate increased

1.50

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site
Ranking
4
1 position down today
Product

Term Deposit

Real Time Rating™

0.00

/ 5

Winner of Best Term Deposit 12 Months 50k, Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

Max rate

3.15

% p.a

for 12 months

Company
Min. deposit

$1,000

Interest rate

1.80

% p.a

for 3 months

Next rate increased

2.60

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site

Winner of Best Term Deposit 12 Months 50k, Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

Ranking
5
1 position down today
Product

Personal Term Deposit (At Maturity)

Real Time Rating™

0.00

/ 5

Winner of Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

Max rate

4.25

% p.a

for 60 months

Company
Min. deposit

$1,000

Interest rate

1.15

% p.a

for 3 months

Next rate increased

1.85

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site

special

Receive a loyalty bonus

Winner of Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

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.

Ranking
1
1 position down today
Product

Stow It Term Deposit

Real Time Rating™

0.00

/ 5

Winner of Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

Max rate

3.15

% p.a

for 12 months

Company
Min. deposit

$5,000

Interest rate

1.80

% p.a

for 3 months

Next rate increased

2.45

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site

Winner of Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

Ranking
2
2 position down today
Product

Term Deposit

Real Time Rating™

0.00

/ 5
Max rate

3.15

% p.a

for 12 months

Company
Min. deposit

$5,000

Interest rate

1.80

% p.a

for 3 months

Next rate increased

2.45

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site
Ranking
3
3 position down today
Product

Term Deposit

Real Time Rating™

0.00

/ 5

Winner of Best Term Deposit 12 Months 50k, Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

Max rate

2.05

% p.a

for 6 months

Company
Min. deposit

$2,000

Interest rate

0.70

% p.a

for 3 months

Next rate increased

2.05

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site

Winner of Best Term Deposit 12 Months 50k, Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

Ranking
4
4 position down today
Product

Personal Term Deposit (At Maturity)

Real Time Rating™

0.00

/ 5

Winner of Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

Max rate

4.25

% p.a

for 60 months

Company
Min. deposit

$1,000

Interest rate

1.15

% p.a

for 3 months

Next rate increased

1.85

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site

special

Receive a loyalty bonus

Winner of Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

Ranking
5
2 position up today
Product

Term Deposit

Real Time Rating™

0.00

/ 5

Winner of Best Term Deposit 12 Months 50k, Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

Max rate

3.15

% p.a

for 12 months

Company
Min. deposit

$1,000

Interest rate

1.80

% p.a

for 3 months

Next rate increased

2.60

% p.a

for 6 months

Features
Automatic Maturity Rollover
Early Withdrawal Available
Is Covered By Government Gurantee
Joint Application Available
Maturity Alert By Email
Maturity Alert By Phone
Go to site

Winner of Best Term Deposit 12 Months 50k, Best Term Deposit 6 Month 50k, RateCity Gold Awards 2022

The 2022 Home Loan Award Winners