Term Deposits

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The best Term Deposits

Whether you’re saving for a few months or years, term deposits are a popular way to invest your hard-earned cash.

There are many term deposit rates, and term deposits are simple, safe and reliable, offering a guaranteed return over a fixed period.

Here you can search and compare the best value term deposits from a range of lenders, catch up on the latest information in our news and guides sections, or work out how much interest you’ll earn with our handy term deposits calculator.

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Today's Sponsored Offers

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UBank Green Term Deposits Term Deposits
  • The World’s First Green Term Deposit
  • Certified by the Climate Bonds Initiative
  • Choose A Term That Suits You
  • No Monthly Account or Application Fees
  • Guaranteed Rate of Return
  • Visit the UBank website for conditions and full details
View Special Offer
Sponsored
MyState Online Term Deposit Term Deposits
  • 2.35% p.a. for 4 months
  • Minimum deposit $5,000
  • Term deposit interest calculated daily and paid at term deposit maturity
  • Visit the MyState website for conditions and full details
View Special Offer
What are sponsored products
"Sponsored" products are selected by InfoChoice, at its discretion, to promote to consumers, based on a range of factors including whether the product is likely to be of interest to our customers. However, our selection of a sponsored product should not be constituted as an endorsement of that product, or a representation that a product best suits your needs. InfoChoice may receive a commission, referral fee or payment from a provider when you click on a link to a "Sponsored" product.
For information on how we've selected these "Sponsored" and "Featured" products click here

Tips for the best Term Deposits

1

Favourite Deposits

The favourite term deposit terms are 6 month, 12 months and two years.

2

Interest

You can have the interest paid to you as income, or reinvested and added to the principal amount.

3

Rollover

Many banks reinvest or rollover your term deposit at the end of the term unless you actively take control.

Term Deposits Offers

Sponsored
"Sponsored" products are products offered by a provider with which InfoChoice has a commercial marketing arrangement in place. "Sponsored" products are displayed first within the search results pages and can be re-sorted without this filter by de-selecting the "Show sponsored listings first" checkbox. InfoChoice may receive a commission, referral, fee or payment from a provider when you click on a link to a "Sponsored" or "Featured" product.
Sponsored
UBank Personal Term Deposits (The World’s First Green Term Deposits up to...
180 DAY BASE RATE 2.25%
Sponsored
UBank SMSF Term Deposit (The World’s First Green Term Deposits up to 2.20% p.a.)
180 DAY BASE RATE 2.20%
Sponsored
MyState Bank On-line Term Deposit
180 DAY BASE RATE 2.30%
MyLife MyFinance Term Deposit Special Offer
270 DAY BASE RATE 2.65%
First Option Bank Term Deposit
270 DAY BASE RATE 2.55%
For information on how we've selected these "Sponsored" and "Featured" products click here
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Latest Term Deposits News

Which bank account is paying the Centrelink deeming rate?

Almost half (48.7 per cent) of all Australian households rely on payments from Centrelink to help pay their bills and…

READ MORE...

Term Deposits - June 6, 2019
What is a term deposit? What is a fixed deposit?

You have probably heard of “term deposits” and you may have heard of “fixed term deposits” but do you know…

READ MORE...

Term Deposits - June 6, 2019
Are term deposits covered by the Australian government guarantee?

Term deposits are covered by the Australian Government Guarantee scheme. Under the Financial Claims Scheme, deposits of up to $250,000…

READ MORE...

Term Deposits - June 3, 2019

Need help? Have a look at our term deposit guides

Top tips for nailing your budget this year

Setting a budget planner is simple, but following it is another game. But don’t let that stop you. Get on top of your budget this year with these top ten tips.

READ MORE

Take the leap: How to pick a couple’s bank account

When it comes to sharing finances, you and your significant other need to be on the same page. Here’s what you should know about choosing a joint bank account.

READ MORE

What is a term deposit rollover risk?

Letting your term deposit automatically roll into the same fixed term can be a risky move as it can impact the amount of interest you earn. Here’s what you need to know.

READ MORE

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Find the right term deposit account for you

The number of term deposit accounts on offer can make it difficult to choose a good deal. But finding the right account is easy with InfoChoice.

Whether you want to invest your money into a short or long-term deposit account, InfoChoice allows you to search and compare in one place. You can compare features such as access options and read breaking information about term deposit accounts in our news and guides section. You can also work out how much interest you’ll earn by using our term deposit calculator. Some accounts will take you the provider’s website so you can open your account online today.