Top savings and term deposit rates: December 2025

In a market where every dollar counts, optimising your savings returns is paramount. 

Some of the highest savings account rates come with conditions that reward consistent saving, and there are still excellent opportunities to be found with rates above 4.50%.

For those seeking stability and guaranteed income, term deposits remain a solid choice, with short-term rates still offering favourable returns.

Here are some of the top term deposits, savings accounts and bank account options on the market right now to help make your money count for more.

Ready to explore more options? Compare additional high-interest savings accounts and features on our hub page.