RACQ Bank — Rate History

See RACQ Bank's term deposit rate history and current term options. As of July 2026, RACQ Bank's strongest current rates are on longer-term deposits, with up to 5.35% p.a. on a 1yr term. Shorter terms currently reach 5.30% p.a. for 6mo. 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
5.00% Current	Quarterly	$1k	1 Jul 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
5.30% Current	Semi-annually	$1k	1 Jul 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	—