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  1. Home
  2. Term Deposits
  3. Term Deposits Leaderboard

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.

Compare
Personal Term Deposit (At Maturity)
6 months
Automatic maturity rollover
Joint application available
Maturity alert by email

special

Receive a loyalty bonus

Winner of Best Term Deposit 6 Month 50k, RateCity Gold Awards 2023

Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
1
2 position up today

5.35%

p.a

for 12 months

$1,000

5.05%

p.a

for 6 months

5.05%

p.a

for 6 months

More details
Compare
Term Deposits
3 months
Automatic maturity rollover
Joint application available
Maturity alert by email
Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
2
1 position down today

5.30%

p.a

for 12 months

$1,000

4.80%

p.a

for 3 months

5.05%

p.a

for 6 months

Compare
Term Deposit (12 months) (Annually)
12 months
Joint application available
Maturity alert by email
Interest payment to other institution
Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
3
1 position down today

5.30%

p.a

for 12 months

$10,000

5.30%

p.a

for 12 months

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

Winner of Best Term Deposit 12 Months 50k, Best Term Deposit 6 Month 50k, RateCity Gold Awards 2023

Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
4
4 position up today

5.25%

p.a

for 12 months

$1,000

4.70%

p.a

for 3 months

5.00%

p.a

for 6 months

Compare
Term Deposit Special
12 months
Automatic maturity rollover
Maturity alert by phone
Interest payment to other institution
Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
5
1 position down today

5.25%

p.a

for 12 months

$50,000

5.25%

p.a

for 12 months

Best 3-year term deposits

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

Compare
SMSF Term Deposit (Annually)
48 months
Automatic maturity rollover
Joint application available
Maturity alert by email
Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
1
1 position up today

5.35%

p.a

for 12 months

$1,000

5.15%

p.a

for 48 months

5.35%

p.a

for 12 months

Compare
Term Deposit
3 months
Automatic maturity rollover
Interest payment to other institution
Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
2
33 position up today

5.20%

p.a

for 24 months

$1,000

3.85%

p.a

for 3 months

4.15%

p.a

for 6 months

Compare
Term Deposit (3 years)
36 months
Automatic maturity rollover
Joint application available
Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
3
6 position up today

5.30%

p.a

for 36 months

$1,000

5.30%

p.a

for 36 months

Compare
Term Deposit Special
12 months
Automatic maturity rollover
Joint application available
Maturity alert by email
Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
4
2 position up today

5.10%

p.a

for 24 months

$5,000

5.05%

p.a

for 12 months

5.10%

p.a

for 24 months

Compare
Term Deposit
3 months
Automatic maturity rollover
Joint application available
Interest payment to other institution
Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
5
1 position down today

5.05%

p.a

for 12 months

$5,000

4.80%

p.a

for 3 months

4.85%

p.a

for 6 months

Best 5-year term deposits

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

Compare
Personal Term Deposit (Annually)
60 months
Automatic maturity rollover
Joint application available
Maturity alert by email

special

Receive a loyalty bonus

Winner of Best Term Deposit 12 Months 50k, RateCity Gold Awards 2023

Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
1

5.35%

p.a

for 12 months

$1,000

5.25%

p.a

for 60 months

5.35%

p.a

for 12 months

Compare
Term Deposit
3 months
Automatic maturity rollover
Joint application available
Interest payment to other institution
Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
2
35 position up today

5.05%

p.a

for 12 months

$5,000

4.80%

p.a

for 3 months

4.85%

p.a

for 6 months

Compare
Term Deposit
3 months
Automatic maturity rollover
Joint application available
Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
3
1 position down today

5.10%

p.a

for 12 months

$1,000

4.80%

p.a

for 3 months

4.90%

p.a

for 6 months

Compare
Term Deposit
3 months
Automatic maturity rollover
Joint application available
Maturity alert by email
Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
4
1 position up today

5.00%

p.a

for 12 months

$5,000

3.45%

p.a

for 3 months

4.25%

p.a

for 6 months

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

Winner of Best Term Deposit 12 Months 50k, Best Term Deposit 6 Month 50k, RateCity Gold Awards 2023

Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
5
1 position down today

5.20%

p.a

for 12 months

$5,000

4.70%

p.a

for 3 months

4.90%

p.a

for 5 months

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.

Compare
Term Deposit
3 months
Automatic maturity rollover
Joint application available
Interest payment to other institution
Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
1
32 position up today

5.10%

p.a

for 3 months

$5,000

5.10%

p.a

for 3 months

Compare
Term Deposit
3 months
Automatic maturity rollover
Joint application available
Maturity alert by email

Winner of Best Term Deposit 12 Months 50k, Best Term Deposit 6 Month 50k, RateCity Gold Awards 2023

Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
2
1 position down today

5.15%

p.a

for 6 months

$5,000

4.90%

p.a

for 3 months

5.15%

p.a

for 6 months

Compare
Personal Term Deposit (At Maturity)
6 months
Automatic maturity rollover
Joint application available
Maturity alert by email

special

Receive a loyalty bonus

Winner of Best Term Deposit 6 Month 50k, RateCity Gold Awards 2023

Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
3
1 position down today

5.35%

p.a

for 12 months

$1,000

5.05%

p.a

for 6 months

5.05%

p.a

for 6 months

More details
Compare
Term Deposit
3 months
Automatic maturity rollover
Joint application available
Maturity alert by email
Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
4
1 position down today

5.20%

p.a

for 12 months

$500

4.80%

p.a

for 3 months

4.95%

p.a

for 6 months

Compare
Term Deposits
3 months
Automatic maturity rollover
Joint application available
Maturity alert by email
Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
5
1 position down today

5.30%

p.a

for 12 months

$1,000

4.80%

p.a

for 3 months

5.05%

p.a

for 6 months

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.

Compare
Term Deposit
3 months
Automatic maturity rollover
Joint application available
Maturity alert by email

Winner of Best Term Deposit 12 Months 50k, Best Term Deposit 6 Month 50k, RateCity Gold Awards 2023

Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
1
1 position up today

5.15%

p.a

for 6 months

$5,000

4.90%

p.a

for 3 months

5.15%

p.a

for 6 months

Compare
Personal Term Deposit (At Maturity)
6 months
Automatic maturity rollover
Joint application available
Maturity alert by email

special

Receive a loyalty bonus

Winner of Best Term Deposit 6 Month 50k, RateCity Gold Awards 2023

Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
2
1 position down today

5.35%

p.a

for 12 months

$1,000

5.05%

p.a

for 6 months

5.05%

p.a

for 6 months

More details
Compare
Investment Plus
3 months
Automatic maturity rollover
Joint application available
Maturity alert by email

Winner of Best Term Deposit 6 Month 50k, RateCity Gold Awards 2023

Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
3
1 position down today

5.05%

p.a

for 10 months

$1,000

3.50%

p.a

for 3 months

4.90%

p.a

for 6 months

Compare
Term Investment
3 months
Automatic maturity rollover
Joint application available
Interest payment to other institution
Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
4
1 position down today

5.00%

p.a

for 6 months

$5,000

3.90%

p.a

for 3 months

4.10%

p.a

for 4 months

Compare
Term Deposits
3 months
Automatic maturity rollover
Joint application available
Maturity alert by email
Ranking
Max rate
Min. deposit
Interest rate
Next rate increased
5
1 position down today

5.30%

p.a

for 12 months

$1,000

4.80%

p.a

for 3 months

5.05%

p.a

for 6 months

Checkout more term deposits

Promoted

Personal Term Deposit (At Maturity)

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

special

Receive a loyalty bonus
Interest rate

5.05%

p.a

for 6 months

Min. deposit

$1,000

Next rate increased

5.20%

p.a

for 9 months

Max rate

5.35%

p.a

for 12 months

More details

Promoted

Edvest Term Deposit

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

3.55%

p.a

for 3 months

Min. deposit

$1,000

Next rate increased

4.05%

p.a

for 6 months

Max rate

5.05%

p.a

for 12 months

More details

Promoted

Money Making Term Deposit

Real Time Rating™
1 month
Automatic maturity rollover
Joint application available
Maturity alert by email
Interest rate

0.90%

p.a

for 1 month

Min. deposit

$5,000

Next rate increased

1.10%

p.a

for 2 months

Max rate

3.85%

p.a

for 24 months

More details

Product data updated on 1 Dec 2023