ANZ
ANZ Term Deposit
Enjoy the security of a fixed rate of interest over the investment term of your choice.
Term depositsBank updated 2 Mar 2026
At a glance
- Best rate
- 0.15% for 12m
- 12 months
- 0.15%
- Min deposit
- $5,000
§ 01 — Rates · 51
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed7 Days - < 1 month, Maturity Interest | — | 7 days | — | 0.05% | — | paid at maturity |
| Fixed1-2 Months, Maturity Interest | — | 1 mo | — | 0.05% | — | paid at maturity |
| Fixed10-11 Months, Maturity Interest | — | 10 mo | — | 0.10% | — | paid at maturity |
| Fixed10-11 Months, Monthly Interest | — | 10 mo | — | 0.10% | — | paid every 1 mo |
| Fixed10-11 Months, Quarterly Interest | — | 10 mo | — | 0.10% | — | paid every 3 mo |
| Fixed10-11 Months, Half Yearly Interest | — | 10 mo | — | 0.10% | — | paid every 6 mo |
| Fixed11-12 Months, Maturity Interest | — | 11 mo | — | 0.10% | — | paid at maturity |
| Fixed11-12 Months, Monthly Interest | — | 11 mo | — | 0.10% | — | paid every 1 mo |
| Fixed11-12 Months, Quarterly Interest | — | 11 mo | — | 0.10% | — | paid every 3 mo |
| Fixed11-12 Months, Half Yearly Interest | — | 11 mo | — | 0.10% | — | paid every 6 mo |
| Fixed12-24 Months, Monthly Interest | — | 1 yr | — | 0.15% | — | paid every 1 mo |
| Fixed12-24 Months, Annual Interest | — | 1 yr | — | 0.15% | — | paid every 1 yr |
| Fixed12-24 Months, Quarterly Interest | — | 1 yr | — | 0.15% | — | paid every 3 mo |
| Fixed12-24 Months, Half Yearly Interest | — | 1 yr | — | 0.15% | — | paid every 6 mo |
| Fixed2-3 Months, Maturity Interest | — | 2 mo | — | 0.05% | — | paid at maturity |
| Fixed2-3 Months, Monthly Interest | — | 2 mo | — | 0.05% | — | paid every 1 mo |
| Fixed24-36 Months, Monthly Interest | — | 2 yrs | — | 0.15% | — | paid every 1 mo |
| Fixed24-36 Months, Annual Interest | — | 2 yrs | — | 0.15% | — | paid every 1 yr |
| Fixed24-36 Months, Quarterly Interest | — | 2 yrs | — | 0.15% | — | paid every 3 mo |
| Fixed24-36 Months, Half Yearly Interest | — | 2 yrs | — | 0.15% | — | paid every 6 mo |
| Fixed3-4 Months, Maturity Interest | — | 3 mo | — | 0.05% | — | paid at maturity |
| Fixed3-4 Months, Monthly Interest | — | 3 mo | — | 0.05% | — | paid every 1 mo |
| Fixed36-48 Months, Monthly Interest | — | 3 yrs | — | 0.15% | — | paid every 1 mo |
| Fixed36-48 Months, Annual Interest | — | 3 yrs | — | 0.15% | — | paid every 1 yr |
| Fixed36-48 Months, Quarterly Interest | — | 3 yrs | — | 0.15% | — | paid every 3 mo |
| Fixed36-48 Months, Half Yearly Interest | — | 3 yrs | — | 0.15% | — | paid every 6 mo |
| Fixed4-5 Months, Maturity Interest | — | 4 mo | — | 0.05% | — | paid at maturity |
| Fixed4-5 Months, Monthly Interest | — | 4 mo | — | 0.05% | — | paid every 1 mo |
| Fixed4-5 Months, Quarterly Interest | — | 4 mo | — | 0.05% | — | paid every 3 mo |
| Fixed48-60 Months, Monthly Interest | — | 4 yrs | — | 0.15% | — | paid every 1 mo |
| Fixed48-60 Months, Annual Interest | — | 4 yrs | — | 0.15% | — | paid every 1 yr |
| Fixed48-60 Months, Quarterly Interest | — | 4 yrs | — | 0.15% | — | paid every 3 mo |
| Fixed48-60 Months, Half Yearly Interest | — | 4 yrs | — | 0.15% | — | paid every 6 mo |
| Fixed5-6 Months, Maturity Interest | — | 5 mo | — | 0.05% | — | paid at maturity |
| Fixed5-6 Months, Monthly Interest | — | 5 mo | — | 0.05% | — | paid every 1 mo |
| Fixed5-6 Months, Quarterly Interest | — | 5 mo | — | 0.05% | — | paid every 3 mo |
| Fixed6-7 Months, Maturity Interest | — | 6 mo | — | 0.10% | — | paid at maturity |
| Fixed6-7 Months, Monthly Interest | — | 6 mo | — | 0.10% | — | paid every 1 mo |
| Fixed6-7 Months, Quarterly Interest | — | 6 mo | — | 0.10% | — | paid every 3 mo |
| Fixed7-8 Months, Maturity Interest | — | 7 mo | — | 0.10% | — | paid at maturity |
| Fixed7-8 Months, Monthly Interest | — | 7 mo | — | 0.10% | — | paid every 1 mo |
| Fixed7-8 Months, Quarterly Interest | — | 7 mo | — | 0.10% | — | paid every 3 mo |
| Fixed7-8 Months, Half Yearly Interest | — | 7 mo | — | 0.10% | — | paid every 6 mo |
| Fixed8-9 Months, Maturity Interest | — | 8 mo | — | 0.10% | — | paid at maturity |
| Fixed8-9 Months, Monthly Interest | — | 8 mo | — | 0.10% | — | paid every 1 mo |
| Fixed8-9 Months, Quarterly Interest | — | 8 mo | — | 0.10% | — | paid every 3 mo |
| Fixed8-9 Months, Half Yearly Interest | — | 8 mo | — | 0.10% | — | paid every 6 mo |
| Fixed9-10 Months, Maturity Interest | — | 9 mo | — | 0.10% | — | paid at maturity |
| Fixed9-10 Months, Monthly Interest | — | 9 mo | — | 0.10% | — | paid every 1 mo |
| Fixed9-10 Months, Quarterly Interest | — | 9 mo | — | 0.10% | — | paid every 3 mo |
| Fixed9-10 Months, Half Yearly Interest | — | 9 mo | — | 0.10% | — | paid every 6 mo |
§ 02 — Fees · 1
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Early Withdrawal | Withdrawal | $30 | — | Administration fee for withdrawing funds before the maturity date. The account will also incur an interest reduction in respect of the money withdrawn or transferred early based on the percentage of… |
§ 03 — Features
Digital banking
- · Fixed returns With a minimum investment of $5,000 you can enjoy the certainty of fixed returns over your investment term.
- · Choice of terms and payments Choose the length of term from one month to five years. Receive interest payments monthly, quarterly, half yearly or annually on selected terms.
- · Choose to have interest paid monthly, quarterly, half-yearly or annually
§ 04 — Eligibility & limits
- · Minimum age 12
- · Residency: You must be an Australian resident with an Australian residential and mailing address.
- · Minimum balance $5,000
- · You will need an existing ANZ everyday account or ANZ savings account
§ 06 — Run the numbers
Put this product through a calculator
Published by ANZ under the Consumer Data Right, last changed by them on 2 Mar 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.