The Finance Algorithm
ANZ logoANZ

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
Fees and pricing ↗Terms ↗

At a glance

Best rate
0.15% for 12m
12 months
0.15%
Min deposit
$5,000

How it compares

This term deposit in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This term deposit: 0.05%Every other institution's highest, 54 in all

Best rate for 3 months. One dot per institution, at its highest 3-month term deposit rate anyone can apply for; hover or tap a dot for its name.

RateThis term depositBest anywhereTypical institutionWhere it sits
3-month term depositBest rate for 3 months0.05%5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions55th highest of 55
6-month term depositBest rate for 6 months0.10%5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions62nd highest of 63
12-month term depositBest rate for 12 months0.15%5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions65th highest of 65
2-year term depositBest rate for 2 years0.15%5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions55th highest of 55
3-year term depositBest rate for 3 years0.15%5.60%Judo Bank's Personal Term Deposits4.25%of 44 institutions44th highest of 44

Rates

Every rate ANZ publishes for this term deposit, 51 in all.

Its best rate at each term

  1. 7 days0.05%
  2. 1 mo0.05%
  3. 2 mo0.05%
  4. 3 motypical 4.60%0.05%
  5. 4 mo0.05%
  6. 5 mo0.05%
  7. 6 motypical 5.10%0.10%
  8. 7 mo0.10%
  9. 8 mo0.10%
  10. 9 mo0.10%
  11. 10 mo0.10%
  12. 11 mo0.10%
  13. 1 yrtypical 5.30%0.15%
  14. 2 yrstypical 4.90%0.15%
  15. 3 yrstypical 4.25%0.15%
  16. 4 yrs0.15%
This term depositTypical institution's best for the term
TypeApplies toTermBandRateComparisonConditions
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

Fees

One fee published, grouped by when they're charged.

When you make a transaction1

  • Early Withdrawal

    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…

    $30

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

Eligibility and 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

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.