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Canstar may earn a fee from the providers displayed in the table. ![]() ![]() Products are sorted by highest advertised rate, then alphabetically by provider name. Tables are based on an investment of $10,000 in a personal term deposit with interest paid as specified. Here are the top term deposit rates on Canstar’s database at the time of writing, based on six-month, 12-month, 24-month and five-year terms. Compare the highest term deposit rates – December 2023 At the time of writing, the best interest rate listed on Canstar’s database for a term deposit of $10,000 is 5.35% for a one- and two-year term. Term deposit rates vary depending on how much you wish to invest and for how long. Now with the Reserve Bank of Australia raising the cash rate again in November, interest rates are predicted to not go down anytime soon, which can be good news for savers. ![]() Term deposit rates climbed throughout 2022 and early 2023. Looking to invest your money in a term deposit? 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