News & Insights
Rate movements, RBA decisions, and what they mean for Australian savers.
28 June 2026
How Is Term Deposit Interest Taxed in Australia?
Term deposit interest is taxed as regular income at your marginal rate. Here's how payment timing, tax brackets, and SMSFs affect what you actually keep.
Read more →22 June 2026
Best Term Deposit Rates for $100,000 in Australia
With $100,000 to deposit, you qualify for virtually every term deposit in Australia. Here is how to structure it — laddering, lender selection, and payment frequency — to get the best return.
Read more →15 June 2026
How to Ladder Term Deposits in Australia
Splitting your savings across term deposits with staggered maturity dates gives you regular access to your cash without giving up competitive rates.
Read more →8 June 2026
What Happens When a Term Deposit Matures?
Your bank's default at maturity is rarely its best rate. Here's what actually happens when a term deposit ends, and how to avoid an automatic rollover that costs you money.
Read more →2 June 2026
Are Term Deposits Safe? What the Financial Claims Scheme Covers
Term deposits at APRA-regulated banks are protected by the Australian Government's Financial Claims Scheme — up to $250,000 per account holder, per institution. Here's what that means in practice.
Read more →18 May 2026
Term Deposit vs Offset Account: Which Is Better for Your Cash?
If you have a mortgage with an offset account, the maths usually favours the offset — but the right answer depends on your interest rate, your tax bracket, and whether you might need the money.
Read more →11 May 2026
Is It Worth Locking In Now or Waiting for Rates to Move?
With term deposit rates still well above their long-run average, the question isn't just which rate to pick — it's whether to lock in now or wait. Here's how to think through it.
Read more →4 May 2026
Judo Bank vs ING: Which Is Better for a 2-Year Term Deposit?
Judo Bank is offering 5.40% on a 2-year term deposit versus ING's 4.55% — a gap wide enough to matter. Here's how the two compare across rate, payment options, and structure.
Read more →28 April 2026
Best 12-Month Term Deposit Rates in Australia Right Now
Challenger banks are currently offering 5.45–5.55% for a 12-month term deposit — significantly ahead of what the Big 4 are paying. Here's what's available and how to choose.
Read more →20 April 2026
Early Withdrawal Penalties: What Happens If You Break a Term Deposit?
Breaking a term deposit early comes with a cost — usually a reduced interest rate for the period held. Here's how the penalties work, when it might still be worth it, and how to avoid the situation entirely.
Read more →15 April 2026
Best Term Deposit Rates for $50,000 in Australia
With $50,000 to invest, you're above the minimum threshold at most lenders and within range of better rate tiers. Here's who to look at and what to check before you lock in.
Read more →10 April 2026
How Do Term Deposit Rates Work in Australia?
Term deposit rates are set by individual banks, anchored to the RBA cash rate but shaped by competition. Here's how they work — and what to check before you commit.
Read more →2 April 2026
Monthly vs At-Maturity Term Deposits: What Australian Banks Are Actually Offering
Monthly interest payment rates on term deposits typically sit 0.10-0.35% lower than at-maturity rates. Here's what Australian banks are offering and how to choose.
Read more →30 March 2026
What Is a Term Deposit? A Plain-English Guide for Australian Savers
A plain-English explanation of what term deposits are, how they work, and who they suit — for Australian savers weighing up their options.
Read more →25 March 2026
Term Deposit vs Savings Account: Which Is Better?
Trying to decide between a term deposit and a savings account? Here's an honest comparison for Australian savers — including when each one actually makes sense, and why the headline savings rate you see advertised is often not the rate you'll actually earn.
Read more →