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Personal Term Deposits

Earn a competitive, fixed interest rate on your deposit with Judo Bank.

Term depositsBank updated 29 Oct 2026
Apply at Judo Bank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Best rate
5.65% for 10m
12 months
5.45%
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.

This term deposit: 4.90%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.

RateThis term depositBest anywhereTypical institutionWhere it sits
3-month term depositBest rate for 3 months4.90%5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions22nd highest of 55, level with 2 others
6-month term depositBest rate for 6 months4.95%5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions40th highest of 63, level with one other
12-month term depositBest rate for 12 months5.45%5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions9th highest of 65, level with one other
2-year term depositBest rate for 2 years5.60%5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutionsHighest of 55
3-year term depositBest rate for 3 years5.60%5.60%Judo Bank's Personal Term Deposits4.25%of 44 institutionsHighest of 44
5-year term depositBest rate for 5 years5.65%5.65%Judo Bank's Personal Term Deposits4.00%of 27 institutionsHighest of 27

Rates

Every rate Judo Bank publishes for this term deposit, 32 in all.

Its best rate at each term

  1. 1 mo2.10%
  2. 2 mo2.30%
  3. 3 motypical 4.60%4.90%
  4. 4 mo4.90%
  5. 5 mo4.90%
  6. 6 motypical 5.10%4.95%
  7. 7 mo4.95%
  8. 8 mo4.95%
  9. 9 mo5.05%
  10. 10 mo5.65%
  11. 11 mo5.25%
  12. 1 yrtypical 5.30%5.45%
  13. 2 yrstypical 4.90%5.60%
  14. 3 yrstypical 4.25%5.60%
  15. 4 yrs5.65%
  16. 5 yrstypical 4.00%5.65%
This term depositTypical institution's best for the term
TypeApplies toTermBandRateComparisonConditions
FixedInterest paid at maturity-1 mo-2.10%-paid at maturity
FixedInterest paid monthly-1 mo-2.10%-paid at maturity
FixedInterest paid at maturity-10 mo-5.65%-paid at maturity
FixedInterest paid monthly-10 mo-5.55%-paid every 1 mo
FixedInterest paid at maturity-11 mo-5.25%-paid at maturity
FixedInterest paid monthly-11 mo-5.15%-paid every 1 mo
FixedInterest paid at maturity-1 yr-5.45%-paid at maturity
FixedInterest paid monthly-1 yr-5.35%-paid every 1 mo
FixedInterest paid at maturity-2 mo-2.30%-paid at maturity
FixedInterest paid monthly-2 mo-2.20%-paid every 1 mo
FixedInterest paid monthly-2 yrs-5.50%-paid every 1 mo
FixedInterest paid annually-2 yrs-5.60%-paid every 1 yr
FixedInterest paid at maturity-3 mo-4.90%-paid at maturity
FixedInterest paid monthly-3 mo-4.80%-paid every 1 mo
FixedInterest paid monthly-3 yrs-5.50%-paid every 1 mo
FixedInterest paid annually-3 yrs-5.60%-paid every 1 yr
FixedInterest paid at maturity-4 mo-4.90%-paid at maturity
FixedInterest paid monthly-4 mo-4.80%-paid every 1 mo
FixedInterest paid monthly-4 yrs-5.55%-paid every 1 mo
FixedInterest paid annually-4 yrs-5.65%-paid every 1 yr
FixedInterest paid at maturity-5 mo-4.90%-paid at maturity
FixedInterest paid monthly-5 mo-4.80%-paid every 1 mo
FixedInterest paid at maturity-6 mo-4.95%-paid at maturity
FixedInterest paid monthly-6 mo-4.85%-paid every 1 mo
FixedInterest paid monthly-5 yrs-5.55%-paid every 1 mo
FixedInterest paid annually-5 yrs-5.65%-paid every 1 yr
FixedInterest paid at maturity-7 mo-4.95%-paid at maturity
FixedInterest paid monthly-7 mo-4.85%-paid every 1 mo
FixedInterest paid at maturity-8 mo-4.95%-paid at maturity
FixedInterest paid monthly-8 mo-4.85%-paid every 1 mo
FixedInterest paid at maturity-9 mo-5.05%-paid at maturity
FixedInterest paid monthly-9 mo-4.95%-paid every 1 mo

Rate changes

22 changes logged, newest first.

DateRateWasNowChange
30 Oct 2026Fixed, 10 mo5.05%5.65%up 0.60
30 Oct 2026Fixed, 10 mo4.95%5.55%up 0.60
30 Oct 2026Fixed, 1 yr5.55%5.45%down 0.10
30 Oct 2026Fixed, 1 yr5.45%5.35%down 0.10
30 Oct 2026Fixed, 2 yrs5.45%5.50%up 0.05
30 Oct 2026Fixed, 2 yrs5.55%5.60%up 0.05
30 Oct 2026Fixed, 3 yrs5.45%5.50%up 0.05
30 Oct 2026Fixed, 3 yrs5.55%5.60%up 0.05
30 Oct 2026Fixed, 4 yrs5.50%5.55%up 0.05
30 Oct 2026Fixed, 4 yrs5.60%5.65%up 0.05
30 Oct 2026Fixed, 5 yrs5.50%5.55%up 0.05
30 Oct 2026Fixed, 5 yrs5.60%5.65%up 0.05
16 Oct 2026Fixed, 1 yr5.45%5.55%up 0.10
16 Oct 2026Fixed, 1 yr5.35%5.45%up 0.10
16 Oct 2026Fixed, 2 yrs5.35%5.45%up 0.10
16 Oct 2026Fixed, 2 yrs5.45%5.55%up 0.10
16 Oct 2026Fixed, 3 yrs5.35%5.45%up 0.10
16 Oct 2026Fixed, 3 yrs5.45%5.55%up 0.10
16 Oct 2026Fixed, 4 yrs5.40%5.50%up 0.10
16 Oct 2026Fixed, 4 yrs5.50%5.60%up 0.10
16 Oct 2026Fixed, 5 yrs5.40%5.50%up 0.10
16 Oct 2026Fixed, 5 yrs5.50%5.60%up 0.10

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

Features

Digital banking
  • No Fees.
  • Fund via Direct Debit or BPAY.
  • 10 calendar days rollover cooling off period.
  • Rollover facility available.
  • Confirmation Letter provided.
  • All deposits you have with Judo Bank are guaranteed up to $250,000 by the Australian Government, under the Financial Claims Scheme. For more information on the Financial Claims Scheme. Government Dep…
  • A loyalty bonus may be offered if you automatically roll over your term deposit into a new term with Judo.
  • Scheduled, periodic payments available.

Eligibility and limits

  • Minimum age 18
  • Residency: Australian citizenship or permanent residency, and reside permanently in Australia. You must be over the age of 18.
  • Available to individuals
  • Minimum balance $1,000
  • Opening balance $1,000

Published by Judo Bank under the Consumer Data Right, last changed by them on 29 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.