Term Deposit

A Term Deposit which offers a fixed rate for terms up to 36 months.

Term depositsBank updated 10 Sept 2026

At a glance

Best rate: 5.10% for 213d
12 months: 5.05%
Min deposit: $1,000

§ 01 — Rates · 76

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Fixed	—	122 days	$1,000–$499,999	4.20%	—	paid at maturity
Fixed	—	122 days	$500,000–$5,000,000	4.20%	—	paid at maturity
Fixed	—	153 days	$1,000–$499,999	4.90%	—	paid at maturity
Fixed	—	153 days	$500,000–$5,000,000	4.90%	—	paid at maturity
Fixed	—	183 days	$1,000–$499,999	4.80%	—	paid at maturity
Fixed	—	183 days	$500,000–$5,000,000	4.80%	—	paid at maturity
Fixed	—	213 days	$1,000–$499,999	5.10%	—	paid at maturity
Fixed	—	213 days	$500,000–$5,000,000	5.10%	—	paid at maturity
Fixed	—	244 days	$1,000–$499,999	3.95%	—	paid at maturity
Fixed	—	244 days	$500,000–$5,000,000	4.00%	—	paid at maturity
Fixed	—	274 days	$1,000–$499,999	3.95%	—	paid at maturity
Fixed	—	274 days	$500,000–$5,000,000	4.00%	—	paid at maturity
Fixed	—	30 days	$1,000–$499,999	1.20%	—	paid at maturity
Fixed	—	30 days	$500,000–$5,000,000	1.25%	—	paid at maturity
Fixed	—	305 days	$1,000–$499,999	3.95%	—	paid at maturity
Fixed	—	305 days	$500,000–$5,000,000	4.00%	—	paid at maturity
Fixed	—	335 days	$1,000–$499,999	3.95%	—	paid at maturity
Fixed	—	335 days	$500,000–$5,000,000	4.00%	—	paid at maturity
Fixed	—	365 days	$1,000–$499,999	5.05%	—	paid at maturity
Fixed	—	365 days	$1,000–$499,999	4.90%	—	paid every 1 mo
Fixed	—	365 days	$1,000–$499,999	4.90%	—	paid every 3 mo
Fixed	—	365 days	$1,000–$499,999	4.95%	—	paid every 6 mo
Fixed	—	365 days	$500,000–$5,000,000	5.05%	—	paid at maturity
Fixed	—	365 days	$500,000–$5,000,000	4.95%	—	paid every 1 mo
Fixed	—	365 days	$500,000–$5,000,000	4.95%	—	paid every 3 mo
Fixed	—	365 days	$500,000–$5,000,000	5.00%	—	paid every 6 mo
Fixed	—	60 days	$1,000–$499,999	1.70%	—	paid at maturity
Fixed	—	60 days	$500,000–$5,000,000	1.75%	—	paid at maturity
Fixed	—	92 days	$1,000–$499,999	4.70%	—	paid at maturity
Fixed	—	92 days	$500,000–$5,000,000	4.70%	—	paid at maturity
Fixed	—	1 mo	$1,000–$499,999	1.20%	—	paid at maturity
Fixed	—	1 mo	$500,000–$5,000,000	1.25%	—	paid at maturity
Fixed	—	10 mo	$1,000–$499,999	3.95%	—	paid at maturity
Fixed	—	10 mo	$500,000–$5,000,000	4.00%	—	paid at maturity
Fixed	—	11 mo	$1,000–$499,999	3.95%	—	paid at maturity
Fixed	—	11 mo	$500,000–$5,000,000	4.00%	—	paid at maturity
Fixed	—	1 yr	$1,000–$499,999	5.05%	—	paid at maturity
Fixed	—	1 yr	$1,000–$499,999	4.90%	—	paid every 1 mo
Fixed	—	1 yr	$1,000–$499,999	4.90%	—	paid every 3 mo
Fixed	—	1 yr	$1,000–$499,999	4.95%	—	paid every 6 mo
Fixed	—	1 yr	$500,000–$5,000,000	5.05%	—	paid at maturity
Fixed	—	1 yr	$500,000–$5,000,000	4.95%	—	paid every 1 mo
Fixed	—	1 yr	$500,000–$5,000,000	4.95%	—	paid every 3 mo
Fixed	—	1 yr	$500,000–$5,000,000	5.00%	—	paid every 6 mo
Fixed	—	2 mo	$1,000–$499,999	1.70%	—	paid at maturity
Fixed	—	2 mo	$500,000–$5,000,000	1.75%	—	paid at maturity
Fixed	—	2 yrs	$1,000–$499,999	4.60%	—	paid every 1 mo
Fixed	—	2 yrs	$1,000–$499,999	4.70%	—	paid every 1 yr
Fixed	—	2 yrs	$1,000–$499,999	4.60%	—	paid every 3 mo
Fixed	—	2 yrs	$1,000–$499,999	4.65%	—	paid every 6 mo
Fixed	—	2 yrs	$500,000–$5,000,000	4.60%	—	paid every 1 mo
Fixed	—	2 yrs	$500,000–$5,000,000	4.70%	—	paid every 1 yr
Fixed	—	2 yrs	$500,000–$5,000,000	4.60%	—	paid every 3 mo
Fixed	—	2 yrs	$500,000–$5,000,000	4.65%	—	paid every 6 mo
Fixed	—	3 mo	$1,000–$499,999	4.70%	—	paid at maturity
Fixed	—	3 mo	$500,000–$5,000,000	4.70%	—	paid at maturity
Fixed	—	3 yrs	$1,000–$499,999	3.90%	—	paid every 1 mo
Fixed	—	3 yrs	$1,000–$499,999	4.00%	—	paid every 1 yr
Fixed	—	3 yrs	$1,000–$499,999	3.90%	—	paid every 3 mo
Fixed	—	3 yrs	$1,000–$499,999	3.95%	—	paid every 6 mo
Fixed	—	3 yrs	$500,000–$5,000,000	3.90%	—	paid every 1 mo
Fixed	—	3 yrs	$500,000–$5,000,000	4.00%	—	paid every 1 yr
Fixed	—	3 yrs	$500,000–$5,000,000	3.90%	—	paid every 3 mo
Fixed	—	3 yrs	$500,000–$5,000,000	3.95%	—	paid every 6 mo
Fixed	—	4 mo	$1,000–$499,999	4.20%	—	paid at maturity
Fixed	—	4 mo	$500,000–$5,000,000	4.20%	—	paid at maturity
Fixed	—	5 mo	$1,000–$499,999	4.90%	—	paid at maturity
Fixed	—	5 mo	$500,000–$5,000,000	4.90%	—	paid at maturity
Fixed	—	6 mo	$1,000–$499,999	4.80%	—	paid at maturity
Fixed	—	6 mo	$500,000–$5,000,000	4.80%	—	paid at maturity
Fixed	—	7 mo	$1,000–$499,999	5.10%	—	paid at maturity
Fixed	—	7 mo	$500,000–$5,000,000	5.10%	—	paid at maturity
Fixed	—	8 mo	$1,000–$499,999	3.95%	—	paid at maturity
Fixed	—	8 mo	$500,000–$5,000,000	4.00%	—	paid at maturity
Fixed	—	9 mo	$1,000–$499,999	3.95%	—	paid at maturity
Fixed	—	9 mo	$500,000–$5,000,000	4.00%	—	paid at maturity

§ 02 — Fees · 12

Fee	Type	Amount	When	Notes
UNCLAIMED_MONIES_FEE	Cash advance	$20	—	The lessor $20.00 or account balance. Payable when an account is classified as dormant.
CHEQUE_DISHONOUR	Event	$9	—	A dishonoured cheque is a cheque that is not paid by the financial institution on which it is drawn. A dishonour fee will apply each time the cheque is presented for payment and dishonoured.
DIRECT_ENTRY_DISHONOUR	Event	$9	—	Payable when a direct entry (inward and outward) is dishonoured.
DOCUMENT_FEE	Event	$60	—	$60.00 per hour (subject to minimum $10.00 per copy). Payable if you request copies of documents such as withdrawal forms or statements, or you ask us to verify a transaction performed on your Accoun…
DORMANT_ACCOUNT_FEE	Event	$20	—	This fee is charged to each of your Deposit Accounts closed due to dormancy. The lesser of $20.00 or the account balance.
FINANCIAL_INSTITUTION_CHEQUE	Event	$2.50	—	Payable when you request us to issue a financial institution cheque.
MISCELLANEOUS_SERVICE_FEE	Event	$60	—	$60.00 per hour. Payable if you request information not covered by the Document Fee.
OVERDRAWN_FEE	Event	$9	—	If your Account is overdrawn, without our prior agreement, a fee will be charged each time this occurs. Penalty interest (at the rate disclosed on the Deposit Interest Rate Schedule) will also be cha…
OVERSEAS_TELEGRAPHIC_TRANSFER_(OUTWARD)_-_AUSTRALIAN_CURRENCY	Event	$50	—	Payable if we assist you send funds electronically overseas in Australian dollars.
OVERSEAS_TELEGRAPHIC_TRANSFER_(OUTWARD)_-_FOREIGN_CURRENCY	Event	$30	—	Payable if we assist you send funds electronically overseas in a foreign currency.
FOREIGN_CURRENCY_CONVERSION_SERVICE_FEE	Transaction	1.00% of transaction	—	A 1% service fee on the Australian dollar equivalent is payable for foreign currency transactions using your Mutual Visa Debit Card.
PHYSICAL_FOREIGN_CURRENCY	Transaction	1.00% of transaction	—	1% of Australian currency equivalent amount. Payable when physical foreign currency is issued or purchased.

§ 03 — Features

Digital banking

· A certificate account only
· Early redemption - 31 calendar days notice required

§ 04 — Eligibility & limits

· Residency: Australian citizen or a permanent resident of Australia or otherwise approved
· Available to individuals
· Available to businesses
· Minimum balance $1,000
· Opening balance $1,000

§ 05 — Compare

All term deposits →Other Maitland Mutual Limited term deposits Everything Maitland Mutual Limited publishes

§ 06 — Run the numbers

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Published by Maitland Mutual Limited under the Consumer Data Right, last changed by them on 10 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.