term deposits

Compare Term Deposits in Australia

Mozo compares term deposit interest rates from 70 banks, mutual banks and credit unions in Australia, to help you find the right account for your investment needs.

A term deposit is a cash investment made with a financial institution for a fixed period of time. This fixed period of time is known as a term. Providers offer shorter and longer terms, lasting anywhere from one month to five years. A fixed interest rate is applied to the deposit over the length of the term, meaning your return at the end should be substantially more - as long as you don’t withdraw it early!

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Term deposit comparisons on Mozo - last updated 17 September 2021

Search promoted term deposits below or do a full Mozo database search. Advertiser disclosure.
  • placeholder
    Mozo Experts Choice 2021
    Term Deposit

    interest rate
    Minimum deposit
    Govt Deposit Guarantee
    1.20% p.a.
    2 years
    $1,000
    Yes up to $250,000

    Great rates and incentives incl. 0.10% added loyalty bonus at renewal. Option to have interest paid to another bank. Winner of the Mozo Experts Choice Awards 2021 for Term Deposits.

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    Personal Term Deposit

    interest rate
    Minimum deposit
    Govt Deposit Guarantee
    1.00% p.a.
    2 years
    $5,000
    Yes up to $250,000

    Competitive rates and fast online application. Start investing with as little as $5,000 with no account keeping or set up fees.

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    Details
  • placeholder
    Term Deposit

    interest rate
    Minimum deposit
    Govt Deposit Guarantee
    0.60% p.a.
    3 months
    $10,000
    Yes up to $250,000

    $0 Set up and no ongoing account-keeping fees. Interest rate depends on balance amount. Optional 3,6,9 or 12 month terms. Balances from $10,000.

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    Go to site
    Details
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    Mozo Experts Choice 2021
    Term Deposit

    interest rate
    Minimum deposit
    Govt Deposit Guarantee
    1.00% p.a.
    2 years
    $100,000
    Yes up to $250,000

    A special offer for new personal term deposits for a 24 month term, that provide a competitive rate and the confidence knowing your funds are secure. Awarded Australia’s Best Credit Union in the 2021 Mozo Experts Choice Awards for Australia’s Best Banking.

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    Mozo Experts Choice 2021
    Term Deposit

    interest rate
    Minimum deposit
    Govt Deposit Guarantee
    1.20% p.a.
    2 years
    $1,000
    Yes up to $250,000

    Great rates and incentives incl. 0.10% added loyalty bonus at renewal. Option to have interest paid to another bank. Winner of the Mozo Experts Choice Awards 2021 for Term Deposits.

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    Details
  • placeholder
    Term Deposit

    interest rate
    Minimum deposit
    Govt Deposit Guarantee
    0.75% p.a.
    6 months
    $1,000
    Yes up to $250,000

    Start with as little as $1,000. Interest paid monthly, quarterly, half yearly or yearly (Terms and Conditions apply)

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    Details

^See information about the Mozo Experts Choice Term deposits Awards

*Different interest rates apply to different amounts or different interest payment frequencies.

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

Compare other savings options

Search promoted savings accounts below or do a full Mozo database search. Advertiser disclosure.
  • placeholder
    Boost Saver with Go Account

    Maximum rate
    standard interest rate
    Govt Deposit Guarantee
    1.50% p.a. (for $0 to $250,000)
    0.10% p.a.(for $0 and over)
    Yes up to $250,000

    Intro bonus rate of 1.50% for first 3 months, reverting to 1.20% after. Deposit $2,000 each month and make 5 eligible payments from your Go Account. If you are between 18 and 25 deposit $1,000.

    Enjoy a savings account bundled with a spending account. No monthly fees. New customers can earn up to 5000 bonus Virgin Money points on purchases (conditions apply). Benefit together with a joint account

    Go to site
    Details
  • placeholder
    Mozo Experts Choice 2021
    Bonus Saver Account

    Maximum rate
    standard interest rate
    Govt Deposit Guarantee
    1.10% p.a. (for $0 to $250,000)
    0.05% p.a.(for $0 and over)
    Yes up to $250,000

    Bonus rate when at least $20 is deposited each month and five Visa Debit transactions are made each month using linked Everyday or Glide transaction accounts.

    Winner of a Mozo Experts Choice Award 2021 in the Regular Saver category. No monthly account fees and no minimum balance requirements.

    Go to site
    Details
  • placeholder
    Online Saver

    Maximum rate
    standard interest rate
    Govt Deposit Guarantee
    1.10% p.a. (for $0 to $500,000)
    0.35% p.a.(for $0 and over)
    Yes up to $250,000

    Bonus rate for the first 4 months from account opening

    No account keeping fees. No minimum balance required. Unlimited phone and internet transactions.

    Go to site
    Details
  • placeholder
    Grow Saver

    Maximum rate
    standard interest rate
    Govt Deposit Guarantee
    0.65% p.a. (for $0 and over)
    0.10% p.a.(for $0 and over)
    Yes up to $250,000

    Make at least 1 deposit and no more than 1 withdrawal, including internal transfers or external payments.

    Earn a maximum interest rate of 0.65% per year. Pay no monthly fees. Set up in-app savings goals. Benefit with joint account options.

    Go to site
    Details
  • placeholder
    High Interest Savings Account

    Maximum rate
    standard interest rate
    Govt Deposit Guarantee
    1.35% p.a. (for $0 to $250,001)
    0.25% p.a.(for $0 to $250,001)
    Yes up to $250,000

    Bonus rate for the first 4 months from account opening

    Kick start your savings with the 4 month introductory variable rate. No fees, no minimum balance, no minimum monthly deposit and no minimum term.

    Go to site
    Details
  • placeholder
    Serious Saver

    Maximum rate
    standard interest rate
    Govt Deposit Guarantee
    0.30% p.a. (for $0 to $1,000,000)
    0.15% p.a.(for $0 and over)
    Yes up to $250,000

    Bonus rate for first 3 months, reverting to 0.15% rate after

    $0 monthly account fee. Link to any Australian bank account.

  • placeholder
    Savings Maximiser

    Maximum rate
    standard interest rate
    Govt Deposit Guarantee
    1.35% p.a. (for $0 to $100,000)
    0.05% p.a.(for $0 and over)
    Yes up to $250,000

    For customers who have an Orange Everyday and in each month deposit at least $1,000 into a personal ING account, make at least 5 settled card purchases using the linked ING debit card and grow the account balance.

    No ING fees. Great variable rate every month when you grow your balance each month in addition to other eligibility criteria.

    Go to site
    Details

^See information about the Mozo Experts Choice Savings accounts Awards

Term deposit resources

Reviews, news, tips and guides to help find the best term deposit for you.

FAQ

September term deposits update

Based on term deposits tracked in the Mozo database, the average interest rate for a $25,000, 1 year term deposit is currently 0.49% p.a. This isn’t too different to the average in the previous few months, which stood at around 0.50% p.a.*

Cuts continue to dwindle

There seems to be a light at the end of the tunnel for term deposits. The number of rate cuts has dwindled over the past few months and will likely continue to do so in September. Mozo counted 125 term deposit rate cuts in June, 114 in July and just 69 in August.

On the flip side, Mozo has also counted a number of interest rate rises. Goldfields Money made the biggest number of term deposit rate increases, improving rates for both its shorter and longer terms. It increased rates by as much as 45 basis points for its four and five month terms and 50 basis points for its two year term!

Judo Bank still on top

Speaking of cuts, despite lowering the interest rate on a few of its offerings - Judo Bank is still taking out the top spot in the Mozo database for all longer terms. The bank’s current competitive rates are:

  • 1-year term deposit - 0.95% p.a.

  • 2-year term deposit - 1.20% p.a.

  • 3-year term deposit - 1.15% p.a.

  • 4-year term deposit - 1.40% p.a.

  • 5-year term deposit - 1.60% p.a.

Or if you’re after a term to see you through the rest of 2021, BankVic currently offers competitive rates for a number of shorter terms. Its four, five and seven month terms are currently taking out the top spot in the Mozo database with each offering a 0.70% p.a. interest rate.

Scroll up to view Mozo’s term deposits comparison table.

Updated by:Tara McCabe, 3 September 2021

*Averages calculated using data available in the Mozo database, correct as of 31 August 2021.

What is a term deposit?

Term deposits are a relatively low-risk investment option offered by many Australian banks, mutual banks and credit unions. Term deposits enable you to earn interest on a lump sum of money at a fixed interest rate for a locked-in period of time. This can be anywhere from one month to five years. When you put your money in a term deposit, you can usually choose to have interest paid to you monthly or when the term deposit matures.

How to find the best term deposit for you

To find the right term deposit for you, you will need to compare the range of interest rates available and carefully consider what investment term length will suit your financial needs. This is important, as there are often penalties that come with withdrawing money early from a term deposit.

 How do I compare term deposits? 

How to compare term deposits

You can use Mozo’s table above to compare term deposits available in Australia right now. The table provides a snapshot of key features you’ll want to know about, before deciding on the right term deposit for you.

Here’s a quick rundown of what is included in Mozo’s term deposits comparison table:

  • The interest rate column: This lists out the interest rate you’ll earn for the rate term outlined. You will receive this rate for the entire term deposit fixed period, unless for any reason you need to withdraw your money early. In this case, your interest rate may be reduced or there may be some other penalty that applies.

  • The minimum deposit column: This outlines the amount of money you’ll need to have to open a term deposit with the provider listed. With term deposits this minimum amount can range from $500 up to $250,000. 

  • The term deposit provider: All term deposit providers that are listed on our site are covered under the Australian government deposit guarantee scheme up to $250,000.


Is now a good time to invest in a term deposit? 

In 2021 Mozo has noted a number of providers actually increasing term deposit interest rates. This is despite interest rates still being fairly low across the board. Read more about this in Mozo’s monthly update above.

As well as interest rates potentially creeping upwards, right now due to the Covid-19 pandemic, a term deposit is considered to be one of the safest investment options for Australians with cash. This is because interest rates on term deposits are fixed and your money is protected under the Australian government deposit guarantee scheme for balances up to $250,000.

Which banks have the best term deposit rates in Australia?

There is no one Australian bank that offers the best term deposit rates across every investment term. This is why it’s important to compare term deposits based on your own individual circumstances. For example, a bank might offer a competitive interest rate for a one year term, but the minimum deposit amount might be more than the cash you have to invest, or you might not be looking for a term that long.

The term deposit interest rate you’ll be able to get will depend on:

  • Your deposit amount

  • The investment term you choose

  • What providers operate in your area

  • Whether or not you are fussed about investing with a bank, mutual bank, credit union or online bank

These days most banks will give you the option to set up and manage a term deposit via internet banking or a banking app. This means you’ll be able to invest your money, from the comfort of your couch!

Term deposit key features to look for

The key features to compare term deposits on include:

  • Interest rate. The higher the interest rate, the higher your rate of return should be. Term deposit interest rates are fixed, so no matter what happens in the market, the rate you lock in at the start of your investment will remain the same for the entire term.

  • Interest payments. Interest for shorter terms is usually paid at maturity, while for longer terms it is often paid annually. Some providers may also give you the option to have your interest paid monthly.

  • Investment term. The length that you can invest your money can range anywhere from one month to five years, depending on what each financial institution offers. Most providers have a range of shorter and longer terms to choose from.

  • Minimum deposit. All term deposits will require a minimum lump sum investment. Around $1,000 is generally the minimum investment needed to open a term deposit.

  • Automatic rollover at maturity. Your provider should notify you when your term is nearing its end and will usually give you a number of options for what you can do at maturity. These may include collecting your money, plus interest, or depositing it into another term. If you do nothing, your money may automatically be rolled over to a new term. With this you may not receive the most competitive interest rate.

Is money safe in a term deposit? 

All term deposits listed on Mozo’s website are covered under the Australian government’s financial claims guarantee scheme. This scheme provides protection for deposits up to $250,000 with authorised deposit-taking institutions (ADIs), such as your bank, mutual bank or credit union, in the event that the ADI fails.

What are the pros of term deposits?

Some pros to putting your money in a term deposit are:

  • Removes temptations to dip into your savings and spend, as you cannot access your money for the length of the term (unless you request an early withdrawal).

  • Interest rates are fixed, meaning they won’t fluctuate with market changes, for the length of your chosen term.

  • It is a fairly low risk investment, compared to other investments such as stocks and shares and property.

  • There are usually no set up or account management fees to worry about.

Pros and cons of term deposits

What are the cons of term deposits?

Some cons to term deposits are:

  • You cannot easily access your money, until the term matures.

  • Penalties may apply, if you do have to withdraw your funds early. This could be in the form of a reduced interest rate or fee.

  • You won’t benefit from interest rate increases, during the length of the term.

Term deposits vs savings accounts

Is a term deposit or savings account better

It’s the age old question...Should I put my money in a savings account or a term deposit? Comparing the two might give you some idea as to which one is right for you.

  • With a term deposit you won’t be able to access your money for a certain length of time. If you don’t think you can do that, then you may be interested in a high interest savings account instead.

  • While savings accounts are usually easily accessible, penalties often apply if you need to withdraw money early from a term deposit. Although this can also be a pro for term deposits, as it means there is less temptation to spend your stash.

  • You can’t make additional payments to a term deposit, whereas savings accounts can be topped up whenever you like. Weekly, daily, monthly etc.

  • Term deposits come with fixed interest rates, while rates for savings accounts are variable. This means your bank could lower the interest rate on savings accounts a month, a week or even a day after you deposit your money into it.

  • Guaranteed rate of return. With a term deposit, you are guaranteed to receive the rate you locked in, when you first signed up to the term. The only way you might not receive this interest rate is if you have to withdraw your money early. As savings accounts come with variable interest rates, the rate of return is not guaranteed.
Show transcript

Term deposits vs savings accounts

Pros of a term deposit:

Put your savings under lock & key, reducing the urge to dip into them!

Fixed interest rates!

You can save up for an event happening in 3, 6 or even 12 months time.

Cons of a term deposit:

You won’t be able to access your money at a moment’s notice.

You won’t benefit from interest rate rises.

Pros of a savings account:

You can access your funds at any time.

You might benefit from interest rate rises.

Cons of a savings account:

Your interest rate may go down, if market interest rates go down.

You might be tempted to dip into your stash.

So happy to lock your funds away and watch the interest grow?

Well a term deposit could be for you!

Or, keen to grow your savings stash but need access to your funds at a moment’s notice?

Maybe consider a savings account!

Happy saving!

When is interest paid on a term deposit?

Interest payments are often determined by the length of the term deposit. With shorter term deposits (one month to one year), interest is usually paid when the term matures. For longer terms, providers will often give you the option to have interest paid monthly, annually or at maturity.

Interest is typically paid via direct credit into a linked everyday transaction account. In some cases, the financial institution may give you the option to have the interest paid to another bank of your choice. 

Use Mozo’s term deposit calculator for an estimate of how much interest you could make with a particular term.

What happens when a term deposit matures?

Prior to the maturity date of your term deposit your bank will get in touch with you and explain your options. At this point, it is a good idea to shop around to compare term deposit interest rates that other financial institutions and banks have available.

If your bank doesn’t hear from you before your term matures, they may do an automatic rollover. An automatic rollover is when a bank moves your money into a new term deposit with the same fixed term. The interest rate will be the rate that is currently on offer with that term at the time of the rollover. There’s a chance that this will be lower than your original interest rate, which is why it’s important to keep a note of the term deposit end date.

Generally at maturity, your options will include:

  • Withdrawing all of the money (including the interest)

  • Withdrawing some of the money and reinvesting the rest

  • Topping up the balance with additional funds and reinvesting all of it

  • Reinvesting the same amount for the same length of time

  • Reinvesting the same amount for a different length of time

Checklist for opening a term deposit

If you are aged 18 or over, in most cases you will be able to open a term deposit online. Once the term is set up, you should be able transfer your funds directly into it. Here’s some information you may want to have on hand:

  • Your name, address and phone number

  • Proof of ID, e.g. driver’s licence, plus Medicare card

  • Your tax file number

  • Details of your nominated bank account from where funds will be transferred

  • Details of anyone else who may be noted on the term deposit

Picture of JP Pelosi
JP Pelosi
Managing editor

Jean-Paul (JP) Pelosi is an experienced journalist and editor who has contributed to many of Australia's leading media outlets including The Guardian, News.com.au, Domain.com.au, Investment Magazine and ANZ's Bluenotes. He has also edited news and communications for large financial services companies such as CommBank, Suncorp, Allianz and Amex. He loves a well told story and applying his editorial experience to content that readers both care about and enjoy. JP heads up our writing team.

More term deposit FAQs

How much can I put into a term deposit? 

When it comes to term deposits, banks like to work in round figures. You can invest in anything from a minimum of $1000 - $1+million. Just be aware that with the Australian Government Guarantee Scheme, term deposits are only covered for up to $250,000 per customer per financial institution.  

Will I pay fees on a term deposit?

The good news is there are no set up, ongoing or annual fees with term deposits.  But there are penalties for withdrawing your savings before the term has matured. You will need to give banks a 31 day notice period if you want to withdraw early.  Some accounts allow a partial withdrawal of your term deposit; others require a full withdrawal. In either case, the banks may hit you with:

  •  Reduced interest on your deposit 
  • Early withdrawal penalty fees

How long do I need to keep my money in a term deposit for?  

When you sign up for a term deposit you’ll get to choose how long you’d like to lock away your money for. This could be for as short as 1 month or as long as 5 years depending on the bank. The interest rate will change depending on the term selected. When you get to the end of the term, your bank will return your deposit (along with interest) or you’ll have the option to reinvest. 

What happens if I break a term deposit account?

If you need access to your funds before the maturity date of your term deposit, it is possible to break the account. Firstly, you will need to give the bank 31 days notice and secondly you will likely be required to pay an early withdrawal fee.  For more detailed information, see our term deposit early termination guide

What does the 31 day term deposit notice period mean?

The 31 day notice period applies if you want to withdraw money from your term deposit prior to the maturity date. This is a regulation that was introduced by the Australian Prudential Regulation Authority (APRA) requiring customers to give banks 31 days advance notice.  Even if you provide 31 days notice, you may still need to pay an early withdrawal fee or penalty.  

Will I need a linked account from the same bank as my term deposit?

Some banks may require you to have a linked account for interest to be paid, while others will allow for interest payments to be made to any bank account of your choosing.     

Are there any restrictions to opening a term deposit?

You will generally need to be a resident for tax purposes to be able to open a term deposit with an Australian bank.  Banks will generally also require you to be at least 18 years old to open a term deposit. If you are under 18, it might be possible to open a joint account with a parent or guardian.   

Are interest rates on term deposits negotiable? 

It may be possible to negotiate a higher interest rate than the advertised rate with a bank prior to opening an account but this will depend on the bank and how much you are investing. Once you have transferred your funds, the interest rate is locked in for the duration of the agreed term.   

What does a term deposit automatic rollover or renewal mean?

At the end of the term deposit period, your bank will contact you regarding your options at maturity. Some term deposits will have an automatic rollover feature and this means that if you don’t notify the bank of your plans, they will automatically renew your deposit for the same period of time and at the current market interest rate for that rate term. This could be more or less than your initial interest rate, which is why it is important to keep track of the end date.

Do I pay tax on the interest earned from my term deposit?

Yes, the interest earned on a term deposit is considered income and you’ll need to include this on your tax return for the financial year in which it was paid.  It is a good idea to speak with your accountant or financial advisor about your specific tax situation, especially if you are investing a large amount of money. 

Will I need to go to a bank branch or can I apply online?  

You will be able to open a term deposit account with most banks online. If you have not been a customer of the bank previously, you will need to provide some information to verify your identity but in most cases this can be done 100% online.  

Where can I find other useful tools to help me? 

Mozo has a range of resources and term deposit guides available to help you better understand the ins and outs of term deposits.

Term Deposit Reviews

Judo Bank Term Deposit
Overall 1/10
Wake up Australians - this is a BIG mistake REALLY

After failing to secure a account online, I emailed customer services, they were unhelpful and blunt.... you MUST have a mobile phone.... I do not need or own a mobile phone I am computer savvy and use a PC for all my services and transactions since 1985. Before your precious cell phones existed. A secure fire wall protects me on my PC, nothing protects your data on a cell phone and the airwaves. As the advertised interest rate was the best available I eventually decided to obtain a "smart phone" (even though it was mainly useless to me (deaf)) and try to invest a $250,000 parcel with this so called bank for a couple of years..... Again this was a BIG fail as online services failed on 2 occasions to recognise my CORRECT data of licence and medicare values . I at this point paused the input and this was yesterday. Today I am writing this review in hope that enough people will read it to GET THE WARNING... stay away from this institution, do NOT believe in the false ratings of CANSTAR they have to be on their payroll..... It is too obvious that they want your details to try to hack your original bank accounts or worse.... your identity... - Be warned. They will not be getting my investment.

Read full review

After failing to secure a account online, I emailed customer services, they were unhelpful and blunt.... you MUST have a mobile phone.... I do not need or own a mobile phone I am computer savvy and use a PC for all my services and transactions since 1985. Before your precious cell phones existed. A secure fire wall protects me on my PC, nothing protects your data on a cell phone and the airwaves. As the advertised interest rate was the best available I eventually decided to obtain a "smart phone" (even though it was mainly useless to me (deaf)) and try to invest a $250,000 parcel with this so called bank for a couple of years..... Again this was a BIG fail as online services failed on 2 occasions to recognise my CORRECT data of licence and medicare values . I at this point paused the input and this was yesterday. Today I am writing this review in hope that enough people will read it to GET THE WARNING... stay away from this institution, do NOT believe in the false ratings of CANSTAR they have to be on their payroll..... It is too obvious that they want your details to try to hack your original bank accounts or worse.... your identity... - Be warned. They will not be getting my investment.

Price
7/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Jim, New South Wales, reviewed about 2 months ago
People's Choice Term Deposit
Overall 7/10
The years ahead will see massive bankrupcies.

Not just this bank but all banks as far as interest on principal is concerned. All my life I have paid interest on mortgages ect at rates far in excees of interest rates now. Now when I need to live on my interest on my term deposits I can't. The Reserve Bank is bowing to pressure from Government and the new generations coming through to support their high-end like styles and bugger the rest. All this 'must have now' attitude is killing this country. We had to scrimp and save to buy things that the generation now are not prepared to wait and save for. Way things are going it is making it so easy for countries like Chine to come in and take over our country without the majority of people realising it. As hard as it was liveing through the higher interest rate periods I still think I and oy=thers of my age lived through the best of times and i feel sorry for the people who will wake up with huge debts when interest rates eventuall go up again albeit though not in my life time. So I dislike all the major banks as they are the main cause of our prblems now.

Read full review

Not just this bank but all banks as far as interest on principal is concerned. All my life I have paid interest on mortgages ect at rates far in excees of interest rates now. Now when I need to live on my interest on my term deposits I can't. The Reserve Bank is bowing to pressure from Government and the new generations coming through to support their high-end like styles and bugger the rest. All this 'must have now' attitude is killing this country. We had to scrimp and save to buy things that the generation now are not prepared to wait and save for. Way things are going it is making it so easy for countries like Chine to come in and take over our country without the majority of people realising it. As hard as it was liveing through the higher interest rate periods I still think I and oy=thers of my age lived through the best of times and i feel sorry for the people who will wake up with huge debts when interest rates eventuall go up again albeit though not in my life time. So I dislike all the major banks as they are the main cause of our prblems now.

Price
1/10
Customer service
7/10
Convenience
10/10
Trust
8/10
Less
Colin, South Australia, reviewed 3 months ago
ANZ Term Deposit
Overall 9/10
Great services

The bank is doing great in its customer service with great efficiency and communication. I highly recommend the employees called Joe (maybe I spell wrongly) and Alexander.

Read full review

The bank is doing great in its customer service with great efficiency and communication. I highly recommend the employees called Joe (maybe I spell wrongly) and Alexander.

Price
9/10
Features
9/10
Customer service
10/10
Convenience
10/10
Trust
9/10
Less
Jackson, Victoria, reviewed 4 months ago

More term deposit reviews