Suncorp BankTerm Deposit
Enjoy a guaranteed return on your money when you invest for a nominated fixed period
Term depositsBank updated 6 Nov 2026
At a glance
- Best rate
- 5.75% for 12m
- 12 months
- 5.75%
- 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 | 4.80% | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions | 25th highest of 55, level with one other |
| 6-month term depositBest rate for 6 months | 5.25% | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions | 14th highest of 63, level with 3 others |
| 12-month term depositBest rate for 12 months | 5.75% | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions | Highest of 65 |
| 2-year term depositBest rate for 2 years | 5.50% | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions | 3rd highest of 55 |
| 3-year term depositBest rate for 3 years | 5.00% | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions | 10th highest of 44, level with 3 others |
| 5-year term depositBest rate for 5 years | 5.00% | 5.65%Judo Bank's Personal Term Deposits | 4.00%of 27 institutions | 8th highest of 27, level with one other |
Rates
Every rate Suncorp Bank publishes for this term deposit, 51 in all.
Its best rate at each term
- 1 mo1.35%
- 2 mo2.05%
- 3 motypical 4.60%4.80%
- 4 mo4.05%
- 5 mo3.80%
- 6 motypical 5.10%5.25%
- 7 mo4.10%
- 8 mo3.80%
- 9 mo5.30%
- 10 mo3.80%
- 11 mo4.20%
- 1 yrtypical 5.30%5.75%
- 18 mo5.15%
- 2 yrstypical 4.90%5.50%
- 3 yrstypical 4.25%5.00%
- 4 yrs5.00%
- 5 yrstypical 4.00%5.00%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed01 Month TD Interest at Maturity | - | 1 mo | $100,000–$999,999 | 1.30% | - | paid at maturity; paid every 1 mo |
| Fixed01 Month TD Interest at Maturity | - | 1 mo | $1,000,000–$2,000,000 | 1.35% | - | paid at maturity; paid every 1 mo |
| Fixed01 Month TD Interest at Maturity | - | 1 mo | $5,000–$99,999 | 1.25% | - | paid at maturity; paid every 1 mo |
| Fixed10 Month TD Interest at Maturity | - | 10 mo | $100,000–$999,999 | 3.75% | - | paid at maturity; paid every 10 mo |
| Fixed10 Month TD Interest at Maturity | - | 10 mo | $1,000,000–$2,000,000 | 3.80% | - | paid at maturity; paid every 10 mo |
| Fixed10 Month TD Interest at Maturity | - | 10 mo | $5,000–$99,999 | 3.70% | - | paid at maturity; paid every 10 mo |
| Fixed11 Month TD Interest at Maturity | - | 11 mo | $100,000–$999,999 | 4.15% | - | paid at maturity; paid every 11 mo |
| Fixed11 Month TD Interest at Maturity | - | 11 mo | $1,000,000–$2,000,000 | 4.20% | - | paid at maturity; paid every 11 mo |
| Fixed11 Month TD Interest at Maturity | - | 11 mo | $5,000–$99,999 | 4.10% | - | paid at maturity; paid every 11 mo |
| Fixed12 Month TD Interest at Maturity | - | 1 yr | $100,000–$999,999 | 5.75% | - | paid at maturity; paid every 1 yr |
| Fixed12 Month TD Interest at Maturity | - | 1 yr | $1,000,000–$2,000,000 | 5.75% | - | paid at maturity; paid every 1 yr |
| Fixed12 Month TD Interest at Maturity | - | 1 yr | $5,000–$99,999 | 5.75% | - | paid at maturity; paid every 1 yr |
| Fixed18 Month TD Interest Annually | - | 18 mo | $100,000–$999,999 | 5.15% | - | paid every 1 yr |
| Fixed18 Month TD Interest Annually | - | 18 mo | $1,000,000–$2,000,000 | 5.15% | - | paid every 1 yr |
| Fixed18 Month TD Interest Annually | - | 18 mo | $5,000–$99,999 | 5.15% | - | paid every 1 yr |
| Fixed02 Month TD Interest at Maturity | - | 2 mo | $100,000–$999,999 | 2.00% | - | paid at maturity; paid every 2 mo |
| Fixed02 Month TD Interest at Maturity | - | 2 mo | $1,000,000–$2,000,000 | 2.05% | - | paid at maturity; paid every 2 mo |
| Fixed02 Month TD Interest at Maturity | - | 2 mo | $5,000–$99,999 | 1.95% | - | paid at maturity; paid every 2 mo |
| Fixed24 Month TD Interest Annually | - | 2 yrs | $100,000–$999,999 | 5.50% | - | paid every 1 yr |
| Fixed24 Month TD Interest Annually | - | 2 yrs | $1,000,000–$2,000,000 | 5.50% | - | paid every 1 yr |
| Fixed24 Month TD Interest Annually | - | 2 yrs | $5,000–$99,999 | 5.50% | - | paid every 1 yr |
| Fixed03 Month TD Interest at Maturity | - | 3 mo | $100,000–$999,999 | 4.80% | - | paid at maturity; paid every 3 mo |
| Fixed03 Month TD Interest at Maturity | - | 3 mo | $1,000,000–$2,000,000 | 4.80% | - | paid at maturity; paid every 3 mo |
| Fixed03 Month TD Interest at Maturity | - | 3 mo | $5,000–$99,999 | 4.80% | - | paid at maturity; paid every 3 mo |
| Fixed36 Month TD Interest Annually | - | 3 yrs | $100,000–$999,999 | 5.00% | - | paid every 1 yr |
| Fixed36 Month TD Interest Annually | - | 3 yrs | $1,000,000–$2,000,000 | 5.00% | - | paid every 1 yr |
| Fixed36 Month TD Interest Annually | - | 3 yrs | $5,000–$99,999 | 5.00% | - | paid every 1 yr |
| Fixed04 Month TD Interest at Maturity | - | 4 mo | $100,000–$999,999 | 4.00% | - | paid at maturity; paid every 4 mo |
| Fixed04 Month TD Interest at Maturity | - | 4 mo | $1,000,000–$2,000,000 | 4.05% | - | paid at maturity; paid every 4 mo |
| Fixed04 Month TD Interest at Maturity | - | 4 mo | $5,000–$99,999 | 3.95% | - | paid at maturity; paid every 4 mo |
| Fixed48 Month TD Interest Annually | - | 4 yrs | $100,000–$999,999 | 5.00% | - | paid every 1 yr |
| Fixed48 Month TD Interest Annually | - | 4 yrs | $1,000,000–$2,000,000 | 5.00% | - | paid every 1 yr |
| Fixed48 Month TD Interest Annually | - | 4 yrs | $5,000–$99,999 | 5.00% | - | paid every 1 yr |
| Fixed05 Month TD Interest at Maturity | - | 5 mo | $100,000–$999,999 | 3.75% | - | paid at maturity; paid every 5 mo |
| Fixed05 Month TD Interest at Maturity | - | 5 mo | $1,000,000–$2,000,000 | 3.80% | - | paid at maturity; paid every 5 mo |
| Fixed05 Month TD Interest at Maturity | - | 5 mo | $5,000–$99,999 | 3.70% | - | paid at maturity; paid every 5 mo |
| Fixed06 Month TD Interest at Maturity | - | 6 mo | $100,000–$999,999 | 5.25% | - | paid at maturity; paid every 6 mo |
| Fixed06 Month TD Interest at Maturity | - | 6 mo | $1,000,000–$2,000,000 | 5.25% | - | paid at maturity; paid every 6 mo |
| Fixed06 Month TD Interest at Maturity | - | 6 mo | $5,000–$99,999 | 5.25% | - | paid at maturity; paid every 6 mo |
| Fixed60 Month TD Interest Annually | - | 5 yrs | $100,000–$999,999 | 5.00% | - | paid every 1 yr |
| Fixed60 Month TD Interest Annually | - | 5 yrs | $1,000,000–$2,000,000 | 5.00% | - | paid every 1 yr |
| Fixed60 Month TD Interest Annually | - | 5 yrs | $5,000–$99,999 | 5.00% | - | paid every 1 yr |
| Fixed07 Month TD Interest at Maturity | - | 7 mo | $100,000–$999,999 | 4.05% | - | paid at maturity; paid every 7 mo |
| Fixed07 Month TD Interest at Maturity | - | 7 mo | $1,000,000–$2,000,000 | 4.10% | - | paid at maturity; paid every 7 mo |
| Fixed07 Month TD Interest at Maturity | - | 7 mo | $5,000–$99,999 | 4.00% | - | paid at maturity; paid every 7 mo |
| Fixed08 Month TD Interest at Maturity | - | 8 mo | $100,000–$999,999 | 3.75% | - | paid at maturity; paid every 8 mo |
| Fixed08 Month TD Interest at Maturity | - | 8 mo | $1,000,000–$2,000,000 | 3.80% | - | paid at maturity; paid every 8 mo |
| Fixed08 Month TD Interest at Maturity | - | 8 mo | $5,000–$99,999 | 3.70% | - | paid at maturity; paid every 8 mo |
| Fixed09 Month TD Interest at Maturity | - | 9 mo | $100,000–$999,999 | 5.30% | - | paid at maturity; paid every 9 mo |
| Fixed09 Month TD Interest at Maturity | - | 9 mo | $1,000,000–$2,000,000 | 5.30% | - | paid at maturity; paid every 9 mo |
| Fixed09 Month TD Interest at Maturity | - | 9 mo | $5,000–$99,999 | 5.30% | - | paid at maturity; paid every 9 mo |
Rate changes
30 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 6 Nov 2026 | Fixed, 1 yr, $100,000–$999,999 | 5.40% | 5.75% | up 0.35 |
| 6 Nov 2026 | Fixed, 1 yr, $1,000,000–$2,000,000 | 5.40% | 5.75% | up 0.35 |
| 6 Nov 2026 | Fixed, 1 yr, $5,000–$99,999 | 5.40% | 5.75% | up 0.35 |
| 30 Oct 2026 | Fixed, 3 mo, $100,000–$999,999 | 5.05% | 4.80% | down 0.25 |
| 30 Oct 2026 | Fixed, 3 mo, $1,000,000–$2,000,000 | 5.05% | 4.80% | down 0.25 |
| 30 Oct 2026 | Fixed, 3 mo, $5,000–$99,999 | 5.05% | 4.80% | down 0.25 |
| 30 Oct 2026 | Fixed, 6 mo, $100,000–$999,999 | 4.80% | 5.25% | up 0.45 |
| 30 Oct 2026 | Fixed, 6 mo, $1,000,000–$2,000,000 | 4.80% | 5.25% | up 0.45 |
| 30 Oct 2026 | Fixed, 6 mo, $5,000–$99,999 | 4.80% | 5.25% | up 0.45 |
| 30 Oct 2026 | Fixed, 7 mo, $100,000–$999,999 | 5.20% | 4.05% | down 1.15 |
| 30 Oct 2026 | Fixed, 7 mo, $1,000,000–$2,000,000 | 5.20% | 4.10% | down 1.10 |
| 30 Oct 2026 | Fixed, 7 mo, $5,000–$99,999 | 5.20% | 4.00% | down 1.20 |
| 2 Oct 2026 | Fixed, 1 yr, $100,000–$999,999 | 5.30% | 5.40% | up 0.10 |
| 2 Oct 2026 | Fixed, 1 yr, $1,000,000–$2,000,000 | 5.30% | 5.40% | up 0.10 |
| 2 Oct 2026 | Fixed, 1 yr, $5,000–$99,999 | 5.30% | 5.40% | up 0.10 |
| 2 Oct 2026 | Fixed, 2 yrs, $100,000–$999,999 | 5.00% | 5.50% | up 0.50 |
| 2 Oct 2026 | Fixed, 2 yrs, $1,000,000–$2,000,000 | 5.00% | 5.50% | up 0.50 |
| 2 Oct 2026 | Fixed, 2 yrs, $5,000–$99,999 | 5.00% | 5.50% | up 0.50 |
| 2 Oct 2026 | Fixed, 3 mo, $100,000–$999,999 | 5.00% | 5.05% | up 0.05 |
| 2 Oct 2026 | Fixed, 3 mo, $1,000,000–$2,000,000 | 5.00% | 5.05% | up 0.05 |
| 2 Oct 2026 | Fixed, 3 mo, $5,000–$99,999 | 5.00% | 5.05% | up 0.05 |
| 2 Oct 2026 | Fixed, 6 mo, $100,000–$999,999 | 4.90% | 4.80% | down 0.10 |
| 2 Oct 2026 | Fixed, 6 mo, $1,000,000–$2,000,000 | 4.90% | 4.80% | down 0.10 |
| 2 Oct 2026 | Fixed, 6 mo, $5,000–$99,999 | 4.90% | 4.80% | down 0.10 |
| 2 Oct 2026 | Fixed, 7 mo, $100,000–$999,999 | 4.05% | 5.20% | up 1.15 |
| 2 Oct 2026 | Fixed, 7 mo, $1,000,000–$2,000,000 | 4.10% | 5.20% | up 1.10 |
| 2 Oct 2026 | Fixed, 7 mo, $5,000–$99,999 | 4.00% | 5.20% | up 1.20 |
| 2 Oct 2026 | Fixed, 9 mo, $100,000–$999,999 | 5.20% | 5.30% | up 0.10 |
| 2 Oct 2026 | Fixed, 9 mo, $1,000,000–$2,000,000 | 5.20% | 5.30% | up 0.10 |
| 2 Oct 2026 | Fixed, 9 mo, $5,000–$99,999 | 5.20% | 5.30% | up 0.10 |
Each change is logged the night it appears in the rates Suncorp Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
5 fees published, grouped by when they're charged.
While you hold it1
- Account keeping fee
No monthly account keeping fees
No fee
When particular things happen3
- Interest Certificate
previous financial year - per certificate issued
$10 - Record Search/Copy Fee
per hour
$70 - Request for Audit Certificate
per certificate
$30
Other fees1
- Breaking TD Term - Interest Adjustment
Adjustment based on proportion of term completed. Proportion of term completed: 0%-25%, Adjustment: 80% of interest earned up to the date we will allow you to withdraw your deposit; Proportion of ter…
From $0
Features
Digital banking
- Pay $0 monthly account keeping fees
- Monthly interest payments are available on terms 2-60 months at 0.05% p.a. below carded rates for interest at maturity (terms 2-12m) or interest annually (terms greater than 12m).
- If you want to withdraw your Term Deposit before maturity you need to provide at least 31 days' notice. You may incur an interest adjustment
- Quarterly interest payments are available on terms 6-60 months at 0.05% p.a. below carded rates for interest at maturity (terms 6-12m) or interest annually (terms greater than 12m).
- Semi-annual interest payments are available on terms 12-60 months at 0.05% p.a. below carded rates for interest at maturity (12m) or interest annually (terms greater than 12m).
Eligibility and limits
- Minimum age 11
- Residency: Account owners must be residents of Australia
- Minimum balance $5,000
- Opening balance $5,000
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Published by Suncorp Bank under the Consumer Data Right, last changed by them on 6 Nov 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.