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Term deposit rates

Rates effective from: 20/10/2023

Popular rates and terms

Term Rates for $5,000 - $5,000,000 Interest paid
3 month 3.50% End of term
6 month 4.00% End of term
9 month 4.00% End of term
12 month 4.75% Annually

Compare term deposit rates

All our term deposit interest rates on one page - categorised by interest frequency.

Interest paid at maturity

$0 - $4,999

Time Rate
1 Month 0.05% p.a.
2 Months  0.05% p.a.
3 Months  0.05% p.a.
4 Months  0.05% p.a.
5 Months  0.05% p.a.
6 Months  0.10% p.a.
7 Months 0.10% p.a.
8 Months  0.10% p.a.
9 Months  0.10% p.a.
10 Months  0.10% p.a.
11 Months  0.10% p.a.
12 Months  0.15% p.a.
24 Month  0.15% p.a.

$5,000-$5,000,000*

Time Rate
1 Month 1.25%p.a.
2 Months  1.50%p.a.
3 Months 3.50%p.a.
4 Months  3.60%p.a.
5 Months  3.00%p.a.
6 Months 4.00%p.a.
7 Months 3.00%p.a.
8 Months 3.00%p.a.
9 Months 4.00%p.a.
10 Months 3.00%p.a.
11 Months 3.00%p.a.
12 Months  4.75%p.a.
24 Months  4.00%p.a.

Get started with a term deposit today

Our team are experts in finding the right investment for you and your goals. Visit in branch or enquire online today.

Interest paid monthly

$0 - $4,999

Time Rate
6 Months  0.10%p.a.
12 Months  0.15%p.a.
24 Months  0.15%p.a.
36 Months 0.15%p.a.
48 Months  0.15%p.a.
60 Months 0.15%p.a.

$5,000 - $5,000,000*

Time Rate
6 Months  3.95%p.a.
12 Months  4.70%p.a.
24 Months  3.90%p.a.
36 Months  3.95%p.a.
48 Months  3.95%p.a.
60 Months  3.95%p.a.

Interest paid quarterly

$0 - $4,999

Time Rate
6 Months  0.10%p.a.
12 Months  0.15%p.a.
15 Months  0.15%p.a.
24 Months  0.15%p.a.
36 Months  0.15%p.a.
48 Months  0.15%p.a.
60 Months  0.15%p.a.

$5,000 - $5,000,000*

Time Rate
6 Months  3.95%p.a.
12 Months  4.70%p.a.
15 Months  3.35%p.a.
24 Months  3.90%p.a.
36 Months  3.95%p.a.
48 Months  3.95%p.a.
60 Months  3.95%p.a.

Get started with a term deposit today

Our team are experts in finding the right investment for you and your goals. Visit in branch or enquire online today.

Interest paid half yearly

$0 - $4,999

Time Rate
12 Months  0.15%p.a.
24 Months  0.15%p.a.
36 Months  0.15%p.a.
48 Months  0.15%p.a.
60 Months  0.15%p.a.

$5,000 - $5,000,000*

Time Rate
12 Months  4.70%p.a.
24 Months  3.90%p.a.
36 Months  3.95%p.a.
48 Months  3.95%p.a.
60 Months  3.95%p.a.

Interest paid yearly

$0 - $4,999

Time Rates
24 Months  0.15%p.a.
36 Months  0.15%p.a.
48 Months  0.15%p.a.
60 Months 0.15%p.a.

$5,000 - $5,000,000*

Time Rate
24 Months  3.95%p.a.
36 Months  4.00%p.a.
48 Months  4.00%pa.
60 Months 4.00%p.a.

Gold term deposit interest paid quarterly

$0 - $1,999

Time Rate
Bendigo Gold  0.05%p.a.

$2,000 - $5,000,000

Time Rate
Bendigo Gold  0.05%p.a.

Get started with a term deposit today

Our team are experts in finding the right investment for you and your goals. Visit in branch or enquire online today.

Things you should know

All rates subject to change.

This information does not take your personal objectives, financial situations or needs into account. You should consider its appropriateness to your circumstances before acting on this information. Please read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

*Please contact your branch or call 1300 236 344 for investment amounts over $5,000,000

For a personalised Money Market Investments service, please contact the team by phone 1300 133 833 or email. This personalised service is available for new funds over $500,000.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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