Personal Term Deposits

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

Term depositsBank updated 16 Sept 2026

Apply at Judo Bank ↗Product page ↗Fees & pricing ↗Terms ↗

At a glance

Best rate: 5.50% for 48m
12 months: 5.45%
Min deposit: $1,000

§ 01 — Rates · 32

Type	Applies to	Term	Band	Rate	Comparison	Conditions
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	—	5.05%	—	paid at maturity
FixedInterest paid monthly	—	10 mo	—	4.95%	—	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	—	5.35%	—	paid every 1 mo
FixedInterest paid annually	—	2 yrs	—	5.45%	—	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	—	5.35%	—	paid every 1 mo
FixedInterest paid annually	—	3 yrs	—	5.45%	—	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	—	5.40%	—	paid every 1 mo
FixedInterest paid annually	—	4 yrs	—	5.50%	—	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	—	5.40%	—	paid every 1 mo
FixedInterest paid annually	—	5 yrs	—	5.50%	—	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

§ 03 — 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.

§ 04 — Eligibility & 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

§ 05 — Compare

All term deposits →Other Judo Bank term deposits Everything Judo Bank publishes

§ 06 — Run the numbers

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Term deposit calculator

Interest earned for a deposit, term and rate.

Rate comparator

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Published by Judo Bank under the Consumer Data Right, last changed by them on 16 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.