Discover Australia'sLeading Fixed Term Deposits
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Why Now Is The Best Time
Take advantage of historically high interest rates while they last
Peak Interest Rate Environment
Current rates are at 8-year highs. Lock in premium returns before they decline. Australian term deposit rates are offering up to 7.8% P.A. — the best returns in over a decade.
Market Volatility Protection
Unlike stocks or crypto, your capital is guaranteed and protected by the government. Term deposits provide certainty in an uncertain economic environment.
Time-Sensitive Opportunity
The RBA is expected to lower rates in the coming months. Secure today's high rates now before the window closes. Every day you wait could mean lower returns.
Investment Products Compared
| Investment Type | Returns | Risk Level | Protection |
|---|---|---|---|
| Fixed Term Deposits | Up to 7.8% P.A. | Government Protected | $250,000 Insured |
| Stocks & ETFs | Variable Returns | High Volatility | No Protection |
| Savings Accounts | 2-3% P.A. | Very Low | $250,000 Insured |
| Property Investment | Variable Returns | Market Dependent | No Protection |
Why Investors Choose Our Term Deposits
Discover why thousands of Australians trust us to find the best guaranteed returns from APRA-regulated institutions
ADI Protected
All term deposits are protected up to $250,000 per depositor by the Australian Government's Financial Claims Scheme, ensuring your investment is completely secure.
High-Yield Returns
Access premium rates up to 7.8% P.A. that consistently outperform traditional savings accounts, with fixed returns guaranteed throughout your term.
Tax-Efficient Growth
Optimise your after-tax returns with strategic term deposit laddering and timing. Interest earnings are taxed as ordinary income, allowing for predictable tax planning.
Guaranteed Fixed Rates
Lock in today's high rates and protect yourself from future market volatility. Your interest rate remains constant throughout the entire term.
Flexible Terms
Choose from short-term (3-6 months) to long-term (5 years) options. Select the perfect term deposit duration to match your financial goals and liquidity needs.
Top AU Banks Only
We partner exclusively with Australia's most trusted and financially stable institutions. Compare offers from leading banks, credit unions, and building societies nationwide.
How Australians Find Better Term Deposit Rates
Join thousands of Australian savers in three simple steps
Compare AU Banks
Browse and compare term deposit rates from 40+ Australian banks. Filter by term length, minimum deposit, and interest rate to find your perfect match.
Choose Your Term Deposit
Select the term deposit that aligns with your financial goals. Review all terms, conditions, and early withdrawal penalties.
Start Earning
Open your account directly with the bank and watch your money grow with guaranteed returns. Enjoy peace of mind with government protection.
Why Australians Choose Us
The trusted way for Australian families to find and compare term deposit rates across the country
Save Valuable Time
Compare rates from 40+ Australian banks in under 5 minutes instead of spending hours calling individual institutions. Our platform aggregates the latest AU bank rates in real-time.
Access Higher AU Rates
We partner with both major and online Australian banks that often offer rates 0.50% - 1.00% higher than traditional brick-and-mortar branches. More competition means better rates for Australian savers.
Government Protected
Every term deposit we feature is backed by the Australian Government's Financial Claims Scheme up to $250,000. Your money is protected by the Australian federal government.
Free for All Australians
Zero fees, zero charges, zero hidden costs for Australian savers. We earn referral fees from partner banks, allowing us to provide expert comparison tools to you at no cost.
Unbiased AU Bank Comparisons
Our comparison algorithm ranks term deposits based on interest rate, terms, and minimum deposits - not commission rates. Find the best Australian banks for your needs, period.
Australian Expert Guidance
Access educational resources, term deposit laddering strategies, and tax-efficiency tips for AU investors. Our Australian-based customer support team is available to answer your questions.
Term Deposit Calculator
See how much you could earn with today's competitive fixed income product rates
Minimum: $1,000 | Maximum: $10,000,000
Trusted By Thousands of Australian Investors
See what our clients say about their experience
“I was skeptical at first, but this service found me a 7.8% rate when my bank was only offering 4.2%. The team was professional and the whole process took less than a week.”
Frequently Asked Questions
Everything you need to know about our comparison service
Still have questions? Contact our Australian-based support team at info@ausinvestor.club
Take Advantage of Current Market Rates
Interest rates are at decade highs. Every day you wait is money left on the table. Join 25,847+ smart investors who've already secured premium rates up to 7.8% P.A.
All institutions are APRA regulated and FCS protected
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Important Notice: The information provided on this website is for general informational purposes only and does not constitute financial advice. This is a comparison service only. We recommend consulting with a licensed financial advisor before making any investment decisions. While fixed term deposits with APRA-regulated institutions are generally considered low-risk, all investments carry some level of risk. Interest rates are indicative and subject to change. The Australian Government's Financial Claims Scheme protects deposits up to $250,000 per account holder per ADI.