FIXED TERM DEPOSITS

Take advantage of great returns on our term deposits

Term depositsBank updated 22 May 2026

At a glance

Best rate: 3.95% for 11m
Min deposit: $200,000

§ 01 — Rates · 1

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Fixed	—	11 mo	$200,000–$500,000	3.95%	—	paid at maturity

§ 03 — Features

Digital banking

· No account keeping fee
· A guaranteed rate for terms of 11 months
· Earn a competitive interest rate on your investment with a minimum opening balance of $200,000 can get you started
· Interest can be paid monthly or at maturity. A reduced rate of interest applies to monthly interest payments
· We'll send you a written renewal notice before your deposit matures
· We may allow early withdrawals at our absolute discretion. A reduced rate of interest will apply in these circumstances. For full details refer to our Conditions of Use
· For deposits over $500,000 rates and terms are by negotiation and subject to acceptance

§ 04 — Eligibility & limits

· Residency: Individuals must be citizens or permanent residents of Australia
· Minimum balance $200,000
· Opening balance $200,000
· Must be a membe of the Credit Union

§ 05 — Compare

All term deposits →Other Darling Downs Bank term deposits Everything Darling Downs Bank publishes

§ 06 — Run the numbers

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Term deposit calculator

Interest earned for a deposit, term and rate.

Rate comparator

Compare terms side by side, including rollover.

Published by Darling Downs Bank under the Consumer Data Right, last changed by them on 22 May 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.