NATIONAL SENIORS TERM DEPOSIT

A term deposit distributed through National Seniors Australia

Term depositsBank updated 27 Oct 2026

At a glance

Best rate: 5.40% for 11m
12 months: 5.25%
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.

Typical 4.60%

1%1.5%2%2.5%3%3.5%4%4.5%5%

This term deposit: 5.05%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.

Rate	This term deposit	Best anywhere	Typical institution	Where it sits
3-month term depositBest rate for 3 months	5.05%	5.30%Heartland Bank's Broker Term Deposit	4.60%of 55 institutions	10th highest of 55, level with one other
6-month term depositBest rate for 6 months	5.00%	5.47%Heartland Bank's Broker Term Deposit	5.10%of 63 institutions	36th highest of 63, level with 3 others
12-month term depositBest rate for 12 months	5.25%	5.75%Suncorp Bank's Term Deposit	5.30%of 65 institutions	43rd highest of 65, level with 3 others
2-year term depositBest rate for 2 years	5.15%	5.60%Judo Bank's Personal Term Deposits	4.90%of 55 institutions	13th highest of 55, level with 3 others
3-year term depositBest rate for 3 years	3.25%	5.60%Judo Bank's Personal Term Deposits	4.25%of 44 institutions	39th highest of 44
5-year term depositBest rate for 5 years	3.25%	5.65%Judo Bank's Personal Term Deposits	4.00%of 27 institutions	23rd highest of 27

Rates

Every rate A-Auswide Bank publishes for this term deposit, 33 in all.

Its best rate at each term

1 mo0.75%
2 mo1.00%
3 motypical 4.60%5.05%
4 mo4.90%
5 mo4.90%
6 motypical 5.10%5.00%
7 mo5.00%
8 mo5.00%
9 mo5.10%
10 mo5.10%
11 mo5.40%
1 yrtypical 5.30%5.25%
18 mo3.90%
2 yrstypical 4.90%5.15%
3 yrstypical 4.25%3.25%
4 yrs3.25%
5 yrstypical 4.00%3.25%

This term depositTypical institution's best for the term

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Fixed	-	1 mo	$5,000–$3,000,000	0.75%	-	paid at maturity
Fixed	-	10 mo	$5,000–$3,000,000	5.10%	-	paid at maturity
Fixed	-	10 mo	$5,000–$3,000,000	3.65%	-	paid every 1 mo
Fixed	-	11 mo	$5,000–$3,000,000	5.40%	-	paid at maturity
Fixed	-	11 mo	$5,000–$3,000,000	3.60%	-	paid every 1 mo
Fixed	-	1 yr	$5,000–$3,000,000	5.25%	-	paid at maturity
Fixed	-	1 yr	$5,000–$3,000,000	4.00%	-	paid every 1 mo
Fixed	-	18 mo	$5,000–$3,000,000	3.90%	-	paid at maturity
Fixed	-	18 mo	$5,000–$3,000,000	3.70%	-	paid every 1 mo
Fixed	-	2 mo	$5,000–$3,000,000	1.00%	-	paid at maturity
Fixed	-	2 mo	$5,000–$3,000,000	0.90%	-	paid every 1 mo
Fixed	-	2 yrs	$5,000–$3,000,000	5.15%	-	paid at maturity
Fixed	-	2 yrs	$5,000–$3,000,000	3.30%	-	paid every 1 mo
Fixed	-	3 mo	$5,000–$3,000,000	5.05%	-	paid at maturity
Fixed	-	3 mo	$5,000–$3,000,000	3.95%	-	paid every 1 mo
Fixed	-	3 yrs	$5,000–$3,000,000	3.25%	-	paid at maturity
Fixed	-	3 yrs	$5,000–$3,000,000	3.05%	-	paid every 1 mo
Fixed	-	4 mo	$5,000–$3,000,000	4.90%	-	paid at maturity
Fixed	-	4 mo	$5,000–$3,000,000	3.75%	-	paid every 1 mo
Fixed	-	4 yrs	$5,000–$3,000,000	3.25%	-	paid at maturity
Fixed	-	4 yrs	$5,000–$3,000,000	3.05%	-	paid every 1 mo
Fixed	-	5 mo	$5,000–$3,000,000	4.90%	-	paid at maturity
Fixed	-	5 mo	$5,000–$3,000,000	3.90%	-	paid every 1 mo
Fixed	-	6 mo	$5,000–$3,000,000	5.00%	-	paid at maturity
Fixed	-	6 mo	$5,000–$3,000,000	3.90%	-	paid every 1 mo
Fixed	-	5 yrs	$5,000–$3,000,000	3.25%	-	paid at maturity
Fixed	-	5 yrs	$5,000–$3,000,000	3.05%	-	paid every 1 mo
Fixed	-	7 mo	$5,000–$3,000,000	5.00%	-	paid at maturity
Fixed	-	7 mo	$5,000–$3,000,000	3.75%	-	paid every 1 mo
Fixed	-	8 mo	$5,000–$3,000,000	5.00%	-	paid at maturity
Fixed	-	8 mo	$5,000–$3,000,000	3.70%	-	paid every 1 mo
Fixed	-	9 mo	$5,000–$3,000,000	5.10%	-	paid at maturity
Fixed	-	9 mo	$5,000–$3,000,000	3.70%	-	paid every 1 mo

Rate changes

8 changes logged, newest first.

Date	Rate	Was	Now	Change
28 Oct 2026	Fixed, 11 mo, $5,000–$3,000,000	5.35%	5.40%	up 0.05
28 Oct 2026	Fixed, 3 mo, $5,000–$3,000,000	4.95%	5.05%	up 0.10
30 Sept 2026	Fixed, 10 mo, $5,000–$3,000,000	3.75%	5.10%	up 1.35
30 Sept 2026	Fixed, 11 mo, $5,000–$3,000,000	4.60%	5.35%	up 0.75
30 Sept 2026	Fixed, 4 mo, $5,000–$3,000,000	3.85%	4.90%	up 1.05
30 Sept 2026	Fixed, 5 mo, $5,000–$3,000,000	4.00%	4.90%	up 0.90
30 Sept 2026	Fixed, 7 mo, $5,000–$3,000,000	3.85%	5.00%	up 1.15
30 Sept 2026	Fixed, 8 mo, $5,000–$3,000,000	3.80%	5.00%	up 1.20

Each change is logged the night it appears in the rates Auswide Bank Ltd publishes. See how every lender answered the RBA on the rate tracker.

Fees

2 fees published, grouped by when they're charged.

When you make a transaction2

TELEGPRAPHIC_TRANSFER_FEE
$AU cuurency $50 per transfer OR foreign currency $30 per transfer. Payable each time you request an electronic transmission of funds to an account at an overseas bank.
$50
RTGS_OUTWARD_PAYMENT_FEE
Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for same day payment
$20

Features

No account keeping fee
A guaranteed rate for a selected period between 1 - 60 months
If you want to withdraw your Term Deposit before it matures you'll need to give us 31 days' notice. A reduced rate of interest will apply in these circumstances. For full details refer to our Terms a…

Eligibility and limits

Available to individuals
Minimum balance $5,000
Only available through National Seniors Australia

Compare it with others

All term deposits Other Auswide Bank Ltd term deposits Everything Auswide Bank Ltd publishes

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Published by Auswide Bank Ltd under the Consumer Data Right, last changed by them on 27 Oct 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.