Term deposits 12mths over $500,000 mthly interest

Cairns Bank term deposits pay a fixed rate of interest for a fixed term with interest paid monthly.

Term depositsBank updated 23 Oct 2026

At a glance

Best rate: 5.00% for 23m
Min deposit: $1,000

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 4.25%

2%2.5%3%3.5%4%4.5%5%5.5%

This term deposit: 3.75%Every other institution's highest, 43 in all

Best rate for 3 years. One dot per institution, at its highest 3-year 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-year term depositBest rate for 3 years	3.75%	5.60%Judo Bank's Personal Term Deposits	4.25%of 44 institutions	33rd highest of 44, level with one other

Rates

Every rate Cairns bank publishes for this term deposit, 6 in all.

Its best rate at each term

23 mo5.00%
729 days5.00%
35 mo4.75%
1094 days4.75%
3 yrstypical 4.25%3.75%
1096 days3.75%

This term depositTypical institution's best for the term

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Fixed	-	1094 days	$1,000–$1,000,000	4.75%	-	paid every 1 mo
Fixed	-	1096 days	$1,000–$1,000,000	3.75%	-	paid every 1 mo
Fixed	-	729 days	$1,000–$1,000,000	5.00%	-	paid every 1 mo
Fixed	-	23 mo	$1,000–$1,000,000	5.00%	-	paid every 1 mo
Fixed	-	35 mo	$1,000–$1,000,000	4.75%	-	paid every 1 mo
Fixed	-	3 yrs	$1,000–$1,000,000	3.75%	-	paid every 1 mo

Rate changes

6 changes logged, newest first.

Date	Rate	Was	Now	Change
24 Oct 2026	Fixed, 1094 days, $1,000–$1,000,000	4.50%	4.75%	up 0.25
24 Oct 2026	Fixed, 1096 days, $1,000–$1,000,000	3.15%	3.75%	up 0.60
24 Oct 2026	Fixed, 729 days, $1,000–$1,000,000	4.75%	5.00%	up 0.25
24 Oct 2026	Fixed, 23 mo, $1,000–$1,000,000	4.75%	5.00%	up 0.25
24 Oct 2026	Fixed, 35 mo, $1,000–$1,000,000	4.50%	4.75%	up 0.25
24 Oct 2026	Fixed, 3 yrs, $1,000–$1,000,000	3.15%	3.75%	up 0.60

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

Features

None published.

Eligibility and limits

None published.

Compare it with others

All term deposits Other Cairns bank term deposits Everything Cairns bank publishes

Put this product through a calculator

Published by Cairns bank under the Consumer Data Right, last changed by them on 23 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.