Qudos Bank
Term Deposits
Qudos Bank · term deposits
Provider last updated this product 2026-09-21.
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You'll complete your application on
Qudos Bank's website. Confirm the rate and fees with them
before applying.
Choose from some of our most popular interest rates below, or call our team to discuss term deposit options up to 36 months. Once you have selected your term, your funds are invested for the time you have chosen.
Deposit rates
| Type | Rate | Term | Calculated | Applies to | Conditions | Interest |
|---|---|---|---|---|---|---|
| FIXED | 5.10% | 3 months | daily | $500+, 3+ months | Interest paid at Maturity. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | calculated daily, paid quarterly |
| Interest paid at Maturity. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | ||||||
| FIXED | 5.30% | 6 months | daily | $500+, 6+ months | Interest Paid At Maturity. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | calculated daily, paid half-yearly |
| Interest Paid At Maturity. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | ||||||
| FIXED | 5.20% | 6 months | daily | $500+, 6+ months | 6 Months Interest Paid Monthly. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | calculated daily, paid monthly |
| 6 Months Interest Paid Monthly. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | ||||||
| FIXED | 5.30% | 9 months | daily | $500+, 9+ months | 9 Months Interest Paid At Maturity. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | calculated daily, paid P9M |
| 9 Months Interest Paid At Maturity. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | ||||||
| FIXED | 5.50% | 12 months | daily | $500+, 12+ months | 12 Months Interest Paid At Maturity. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | calculated daily, paid annually |
| 12 Months Interest Paid At Maturity. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | ||||||
| FIXED | 5.40% | 12 months | daily | $500+, 12+ months | 12 Months Interest Paid Monthly. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | calculated daily, paid monthly |
| 12 Months Interest Paid Monthly. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | ||||||
| FIXED | 5.30% | 24 months | daily | $500+, 24+ months | 24 Months Interest Paid Monthly. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | calculated daily, paid monthly |
| 24 Months Interest Paid Monthly. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | ||||||
| FIXED | 5.40% | 24 months | daily | $500+, 24+ months | 24 Months Interest Paid Annually. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | calculated daily, paid annually |
| 24 Months Interest Paid Annually. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | ||||||
| FIXED | 5.30% | 36 months | daily | $500+, 36+ months | 36 Months Interest Paid Monthly. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | calculated daily, paid monthly |
| 36 Months Interest Paid Monthly. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | ||||||
| FIXED | 5.40% | 36 months | daily | $500+, 36+ months | 36 Months Interest Paid Annually. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | calculated daily, paid annually |
| 36 Months Interest Paid Annually. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000. | ||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Account Keeping Fee | PERIODIC | $0 | - |
| Early Withdrawal Fee (FTD) | WITHDRAWAL | 2.00% | You may withdraw the balance of your term deposit early by giving us 31 days notice. However if you do, we will reduce the interest on the term deposit from the date it was opened until the date of withdrawal by 2% per annum, or the term deposit rate ifit is less an 2%. We have the discretion to delay the withdrawal or transfer until the end of the notice period (but not beyond the maturity date). |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-08-22 | 5.30% |
| 2026-08-24 | 2026-08-30 | 5.25% |
| 2026-09-01 | 2026-09-06 | 5.35% |
| 2026-09-08 | 2026-09-14 | 5.40% |
| 2026-09-17 | 2026-09-30 (current) | 5.50% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- residency status - Australian ResidentThis product is only available to members who have a residential address in Australia.
Limits
- min balance - 5000.00The minimum term deposit for standard term deposit products except for 3 month terms.
- min balance - 2000.00The minimum balance for 3 month standard term deposit product only
- min balance - 10000.00The minimum balance for special term deposits products only
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-21T22:00:26.783Z · Product ID: f435abef-eaed-4d9f-a535-5c2925645472