TERM DEPOSIT 12 MONTHS

Term depositsBank updated 9 Oct 2026

At a glance

Best rate: 4.50% for 12m
12 months: 4.50%
Min deposit: $500

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 5.30%

3%3.5%4%4.5%5%5.5%

This term deposit: 4.50%Every other institution's highest, 64 in all

Best rate for 12 months. One dot per institution, at its highest 12-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
12-month term depositBest rate for 12 months	4.50%	5.75%Suncorp Bank's Term Deposit	5.30%of 65 institutions	62nd highest of 65, level with one other

Rates

Every rate Central Murray Credit Union Limited publishes for this term deposit, 5 in all.

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Fixed	-	1 yr	$10,000–$25,000	4.50%	-	paid at maturity
Fixed	-	1 yr	$25,000–$50,000	4.50%	-	paid at maturity
Fixed	-	1 yr	$500–$5,000	4.50%	-	paid at maturity
Fixed	-	1 yr	$5,000–$10,000	4.50%	-	paid at maturity
Fixed	-	1 yr	$50,000–$3,500,000	4.50%	-	paid at maturity

Rate changes

5 changes logged, newest first.

Date	Rate	Was	Now	Change
10 Oct 2026	Fixed, 1 yr, $10,000–$25,000	4.25%	4.50%	up 0.25
10 Oct 2026	Fixed, 1 yr, $25,000–$50,000	4.25%	4.50%	up 0.25
10 Oct 2026	Fixed, 1 yr, $500–$5,000	4.25%	4.50%	up 0.25
10 Oct 2026	Fixed, 1 yr, $5,000–$10,000	4.25%	4.50%	up 0.25
10 Oct 2026	Fixed, 1 yr, $50,000–$3,500,000	4.25%	4.50%	up 0.25

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

Features

None published.

Eligibility and limits

Minimum balance $500

Compare it with others

All term deposits Other Central Murray Bank term deposits Everything Central Murray Bank publishes

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Published by Central Murray Bank under the Consumer Data Right, last changed by them on 9 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.