See RACQ Bank's term deposit rate history and current term options. As of September 2026, RACQ Bank is currently most competitive on shorter-term deposits, with up to 5.45% p.a. on a 6mo term. For longer commitments, rates currently reach 5.35% p.a. for 1yr. Compare all current term deposit rates to see how RACQ Bank compares with other Australian banks today.
3mo term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
5.25%
Current
Quarterly
$1k
4 Sep 2026
—
5.00%
Quarterly
$1k
1 Jul 2026
4 Sep 2026
4.90%
Quarterly
No minimum
11 Apr 2026
1 Jul 2026
6mo term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
5.45%
Current
Semi-annually
$1k
4 Sep 2026
—
5.30%
Semi-annually
$1k
1 Jul 2026
4 Sep 2026
4.40%
Semi-annually
No minimum
11 Apr 2026
1 Jul 2026
1yr term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
5.35%
Current
At maturity
$1k
1 Jul 2026
—
5.45%
At maturity
No minimum
11 Apr 2026
1 Jul 2026
2yr term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
3.30%
Current
Annually
No minimum
11 Apr 2026
—
3yr term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
3.30%
Current
Annually
No minimum
11 Apr 2026
—
5yr term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
3.30%
Current
Annually
No minimum
11 Apr 2026
—
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