The Finance Algorithm
Judo Bank logoJudo Bank

SMSF Term Deposits

Earn a competitive, fixed interest rate on your SMSF Term 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

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 every 1 mo
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
  • 10 calendar days rollover cooling off period.
  • Rollover facility available.
  • Scheduled, periodic payments available
  • Confirmation Letter provided
  • Fund via Direct Debit or BPAY.
  • 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.
  • No Fees

Eligibility and limits

  • Minimum age 18
  • Residency: Be Australian tax residents and reside permanently in Australia living at an Australian residential address. We cannot accept applications from foreign tax residents. Be over the age of 18.
  • Minimum balance $1,000
  • Opening balance $1,000
  • An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees.

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.