CommBank
Farm Management Deposit account (Fixed Term)
A tax-effective investment that allows primary producers to set aside pre-tax income as a cash reserve for later years.
Term depositsBank updated 23 Sept 2026
At a glance
- Best rate
- 5.10% for 12m
- 12 months
- 5.10%
- Min deposit
- $1,000
§ 01 — Rates · 29
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed12 month term option - Annual interest payment option. Interest is paid at maturity. Rate is on Per Annum basis. | — | 1 yr | — | 5.10% | — | paid at maturity; paid every 1 yr |
| Fixed12 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. | — | 1 yr | — | 5.00% | — | paid every 6 mo |
| Fixed13 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis. | — | 13 mo | — | 5.00% | — | paid every 1 yr |
| Fixed13 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. | — | 13 mo | — | 4.90% | — | paid every 6 mo |
| Fixed14 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis. | — | 14 mo | — | 5.00% | — | paid every 1 yr |
| Fixed14 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis. | — | 14 mo | — | 4.90% | — | paid every 6 mo |
| Fixed15 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis. | — | 15 mo | — | 5.00% | — | paid every 1 yr |
| Fixed15 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis. | — | 15 mo | — | 4.90% | — | paid every 6 mo |
| Fixed16 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis. | — | 16 mo | — | 5.00% | — | paid every 1 yr |
| Fixed16 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis. | — | 16 mo | — | 4.90% | — | paid every 6 mo |
| Fixed17 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis. | — | 17 mo | — | 5.00% | — | paid every 1 yr |
| Fixed17 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis. | — | 17 mo | — | 4.90% | — | paid every 6 mo |
| Fixed18 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis. | — | 18 mo | — | 5.00% | — | paid every 1 yr |
| Fixed18 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis. | — | 18 mo | — | 4.90% | — | paid every 6 mo |
| Fixed19 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis. | — | 19 mo | — | 5.00% | — | paid every 1 yr |
| Fixed19 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis. | — | 19 mo | — | 4.90% | — | paid every 6 mo |
| Fixed20 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis. | — | 20 mo | — | 5.00% | — | paid every 1 yr |
| Fixed20 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis. | — | 20 mo | — | 4.90% | — | paid every 6 mo |
| Fixed21 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis. | — | 21 mo | — | 5.00% | — | paid every 1 yr |
| Fixed21 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis. | — | 21 mo | — | 4.90% | — | paid every 6 mo |
| Fixed22 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis. | — | 22 mo | — | 5.00% | — | paid every 1 yr |
| Fixed22 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis. | — | 22 mo | — | 4.90% | — | paid every 6 mo |
| Fixed23 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis. | — | 23 mo | — | 5.00% | — | paid every 1 yr |
| Fixed23 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis. | — | 23 mo | — | 4.90% | — | paid every 6 mo |
| Fixed24 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis. | — | 2 yrs | — | 5.00% | — | paid every 1 yr |
| Fixed24 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis. | — | 2 yrs | — | 4.90% | — | paid every 6 mo |
| Fixed3 months term option. Interest is paid at maturity. Rate is on a six monthly basis. | — | 3 mo | — | 4.25% | — | paid at maturity; paid every 6 mo |
| Fixed6 month term option. Interest is paid at maturity. Rate is on a six monthly basis. | — | 6 mo | — | 4.80% | — | paid at maturity; paid every 6 mo |
| Fixed9 month term option. 6 monthly interest is paid evenly 6 months and at maturity. | — | 9 mo | — | 4.90% | — | paid every 6 mo |
§ 02 — Fees · 1
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Prepayment administration fee | Event | $30 | — | Fixed Term FMD Account - for withdrawal in advance of maturity |
§ 03 — Features
Digital banking
- · To withdraw part or all of your funds in advance of maturity ('prepayment'), you will need to give us 31 days' notice, and a prepayment adjustment and administration fee may apply.
- · $1,000.00 minimum ongoing balance in any individual FMD Account at any time.
- · Flexibility to choose between a fixed term and at call investment option
- · Funds held in a FMD account will be deducted from your assessable income in the year in which the deposit is made. Withdrawals are considered assessable income for that year's tax return. Keep in min…
- · Withdrawals and deposits are made by phoning your Relationship Manager, or visiting a branch of the Bank.
- · Helps balance good and bad times, by allowing eligible customers to set aside their individual pre-tax income in good years as a cash reserve to withdraw from in less profitable years.
- · No account-keeping fees (standard government fees may apply).
§ 04 — Eligibility & limits
- · Opening balance $1,000
- · To be eligible for the scheme and to maintain FMD status, the account holder must be an individual primary producer (this can include the beneficiary of a trust, partner of a partnership, but not joi…
§ 06 — Run the numbers
Put this product through a calculator
Published by CommBank under the Consumer Data Right, last changed by them on 23 Sept 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.