RabobankRural Term Deposit
With a Term Deposit, you can make the most of your money with fixed returns to maximise your savings.
Term depositsBank updated 13 Oct 2026
At a glance
- Best rate
- 5.30% for 12m
- 12 months
- 5.30%
- Min deposit
- $5,000
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.
| Rate | This term deposit | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| 3-month term depositBest rate for 3 months | 4.95% | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions | 17th highest of 55, level with 4 others |
| 6-month term depositBest rate for 6 months | 5.15% | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions | 24th highest of 63, level with 4 others |
| 12-month term depositBest rate for 12 months | 5.30% | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions | 27th highest of 65, level with 15 others |
| 2-year term depositBest rate for 2 years | 5.10% | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions | 16th highest of 55, level with one other |
| 3-year term depositBest rate for 3 years | 5.15% | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions | 6th highest of 44, level with 2 others |
| 5-year term depositBest rate for 5 years | 5.30% | 5.65%Judo Bank's Personal Term Deposits | 4.00%of 27 institutions | 5th highest of 27 |
Rates
Every rate Rabobank publishes for this term deposit, 54 in all.
Its best rate at each term
- 1 mo2.00%
- 2 mo2.10%
- 3 motypical 4.60%4.95%
- 4 mo3.90%
- 5 mo3.90%
- 6 motypical 5.10%5.15%
- 9 mo5.20%
- 1 yrtypical 5.30%5.30%
- 2 yrstypical 4.90%5.10%
- 3 yrstypical 4.25%5.15%
- 4 yrs5.20%
- 5 yrstypical 4.00%5.30%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | - | 1 mo | $5,000–$50,000 | 2.00% | - | paid at maturity |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 1 mo | $50,000–$2,000,000 | 2.00% | - | paid at maturity |
| Fixed | - | 1 yr | $5,000–$50,000 | 5.15% | - | paid every 1 mo |
| Fixed | - | 1 yr | $5,000–$50,000 | 5.30% | - | paid at maturity; paid every 1 yr |
| Fixed | - | 1 yr | $5,000–$50,000 | 5.20% | - | paid every 3 mo |
| Fixed | - | 1 yr | $5,000–$50,000 | 5.25% | - | paid every 6 mo |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 1 yr | $50,000–$2,000,000 | 5.15% | - | paid every 1 mo |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 1 yr | $50,000–$2,000,000 | 5.30% | - | paid at maturity; paid every 1 yr |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 1 yr | $50,000–$2,000,000 | 5.20% | - | paid every 3 mo |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 1 yr | $50,000–$2,000,000 | 5.25% | - | paid every 6 mo |
| Fixed | - | 2 mo | $5,000–$50,000 | 2.10% | - | paid at maturity |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 2 mo | $50,000–$2,000,000 | 2.10% | - | paid at maturity |
| Fixed | - | 2 yrs | $5,000–$50,000 | 4.95% | - | paid every 1 mo |
| Fixed | - | 2 yrs | $5,000–$50,000 | 5.10% | - | paid every 1 yr |
| Fixed | - | 2 yrs | $5,000–$50,000 | 5.00% | - | paid every 3 mo |
| Fixed | - | 2 yrs | $5,000–$50,000 | 5.05% | - | paid every 6 mo |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 2 yrs | $50,000–$2,000,000 | 4.95% | - | paid every 1 mo |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 2 yrs | $50,000–$2,000,000 | 5.10% | - | paid every 1 yr |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 2 yrs | $50,000–$2,000,000 | 5.00% | - | paid every 3 mo |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 2 yrs | $50,000–$2,000,000 | 5.05% | - | paid every 6 mo |
| Fixed | - | 3 mo | $5,000–$50,000 | 4.95% | - | paid at maturity |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 3 mo | $50,000–$2,000,000 | 4.95% | - | paid at maturity |
| Fixed | - | 3 yrs | $5,000–$50,000 | 5.00% | - | paid every 1 mo |
| Fixed | - | 3 yrs | $5,000–$50,000 | 5.15% | - | paid every 1 yr |
| Fixed | - | 3 yrs | $5,000–$50,000 | 5.05% | - | paid every 3 mo |
| Fixed | - | 3 yrs | $5,000–$50,000 | 5.10% | - | paid every 6 mo |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 3 yrs | $50,000–$2,000,000 | 5.00% | - | paid every 1 mo |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 3 yrs | $50,000–$2,000,000 | 5.15% | - | paid every 1 yr |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 3 yrs | $50,000–$2,000,000 | 5.05% | - | paid every 3 mo |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 3 yrs | $50,000–$2,000,000 | 5.10% | - | paid every 6 mo |
| Fixed | - | 4 mo | $5,000–$50,000 | 3.90% | - | paid at maturity |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 4 mo | $50,000–$2,000,000 | 3.90% | - | paid at maturity |
| Fixed | - | 4 yrs | $5,000–$50,000 | 5.05% | - | paid every 1 mo |
| Fixed | - | 4 yrs | $5,000–$50,000 | 5.20% | - | paid every 1 yr |
| Fixed | - | 4 yrs | $5,000–$50,000 | 5.10% | - | paid every 3 mo |
| Fixed | - | 4 yrs | $5,000–$50,000 | 5.15% | - | paid every 6 mo |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 4 yrs | $50,000–$2,000,000 | 5.05% | - | paid every 1 mo |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 4 yrs | $50,000–$2,000,000 | 5.20% | - | paid every 1 yr |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 4 yrs | $50,000–$2,000,000 | 5.10% | - | paid every 3 mo |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 4 yrs | $50,000–$2,000,000 | 5.15% | - | paid every 6 mo |
| Fixed | - | 5 mo | $5,000–$50,000 | 3.90% | - | paid at maturity |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 5 mo | $50,000–$2,000,000 | 3.90% | - | paid at maturity |
| Fixed | - | 6 mo | $5,000–$50,000 | 5.15% | - | paid at maturity |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 6 mo | $50,000–$2,000,000 | 5.15% | - | paid at maturity |
| Fixed | - | 5 yrs | $5,000–$50,000 | 5.15% | - | paid every 1 mo |
| Fixed | - | 5 yrs | $5,000–$50,000 | 5.30% | - | paid every 1 yr |
| Fixed | - | 5 yrs | $5,000–$50,000 | 5.20% | - | paid every 3 mo |
| Fixed | - | 5 yrs | $5,000–$50,000 | 5.25% | - | paid every 6 mo |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 5 yrs | $50,000–$2,000,000 | 5.15% | - | paid every 1 mo |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 5 yrs | $50,000–$2,000,000 | 5.30% | - | paid every 1 yr |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 5 yrs | $50,000–$2,000,000 | 5.20% | - | paid every 3 mo |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 5 yrs | $50,000–$2,000,000 | 5.25% | - | paid every 6 mo |
| Fixed | - | 9 mo | $5,000–$50,000 | 5.20% | - | paid at maturity |
| FixedFor deposits of $2M+ call 1800 025 484 to talk to a Client Services representative for a firm quote. | - | 9 mo | $50,000–$2,000,000 | 5.20% | - | paid at maturity |
Rate changes
12 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 14 Oct 2026 | Fixed, 1 yr, $5,000–$50,000 | 5.05% | 5.15% | up 0.10 |
| 14 Oct 2026 | Fixed, 1 yr, $5,000–$50,000 | 5.20% | 5.30% | up 0.10 |
| 14 Oct 2026 | Fixed, 1 yr, $5,000–$50,000 | 5.10% | 5.20% | up 0.10 |
| 14 Oct 2026 | Fixed, 1 yr, $5,000–$50,000 | 5.15% | 5.25% | up 0.10 |
| 14 Oct 2026 | Fixed, 1 yr, $50,000–$2,000,000 | 5.05% | 5.15% | up 0.10 |
| 14 Oct 2026 | Fixed, 1 yr, $50,000–$2,000,000 | 5.20% | 5.30% | up 0.10 |
| 14 Oct 2026 | Fixed, 1 yr, $50,000–$2,000,000 | 5.10% | 5.20% | up 0.10 |
| 14 Oct 2026 | Fixed, 1 yr, $50,000–$2,000,000 | 5.15% | 5.25% | up 0.10 |
| 14 Oct 2026 | Fixed, 6 mo, $5,000–$50,000 | 5.05% | 5.15% | up 0.10 |
| 14 Oct 2026 | Fixed, 6 mo, $50,000–$2,000,000 | 5.05% | 5.15% | up 0.10 |
| 14 Oct 2026 | Fixed, 9 mo, $5,000–$50,000 | 5.10% | 5.20% | up 0.10 |
| 14 Oct 2026 | Fixed, 9 mo, $50,000–$2,000,000 | 5.10% | 5.20% | up 0.10 |
Each change is logged the night it appears in the rates Rabobank publishes. See how every lender answered the RBA on the rate tracker.
Fees
2 fees published, grouped by when they're charged.
- When you take it outNo fee published
- While you hold itNo feeAccount keeping fee
- When you close it or pay it offVariesEarly withdrawal fee
While you hold it1
- Account keeping feeNo fee
When you close it or pay it off1
- Early withdrawal fee
If you would like to withdraw your Term Deposit prior to maturity, you will be required to provide us with at least 31 calendar days' notice and pay an early withdrawal fee unless we determine that y… Early withdrawal fee waiver (suffering financial hardship) Early withdrawal fee waiver (reinvesting during the grace period)
Varies
Features
Digital bankingFraud protection
- From February 1 2012, the Financial Claims Scheme applies to eligible deposits with a balance up to $250,000 per account holder, per Authorised Deposit-taking Institution.
Eligibility and limits
- Minimum age 18
- Opening balance $5,000
- Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and other forms of business structures that Rab…
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Published by Rabobank under the Consumer Data Right, last changed by them on 13 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.