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Personal Term Deposit

Join over 35,000^ other Aussies who have watched their savings grow with an award-winning Judo Bank Term Deposit.
^as of 30 June 2023
1 year term
Interest paid at maturity
Judo Logo
Fast and easy online application
Find out what you need to apply

Deposits with Judo Bank are covered up to a limit of $250,000 for each account holder under the Government's Financial Claims Scheme


Our digital experience is secure and user-friendly with a fast application process and simple digital account management.

Interest rates are current as at 8 December 2023 and are subject to change. The rate may have changed by the time you apply.
Term Interest Paid at Maturity Interest Paid Monthly Interest Paid Annually
3 Months 4.90% p.a. 4.80% p.a.
6 Months 5.05% p.a. 4.95% p.a.
9 Months 5.15% p.a. 5.05% p.a.
1 Year 5.25% p.a. 5.15% p.a. 5.25% p.a.
2 Years 5.25% p.a. 5.15% p.a. 5.20% p.a.
3 Years 5.25% p.a. 5.15% p.a. 5.20% p.a.
4 Years 5.25% p.a. 5.15% p.a. 5.20% p.a.
5 Years 5.25% p.a. 5.15% p.a. 5.20% p.a.
3 Months 4.90% p.a.
6 Months 5.05% p.a.
9 Months 5.15% p.a.
1 Year 5.25% p.a.
2 Years 5.25% p.a.
3 Years 5.25% p.a.
4 Years 5.25% p.a.
5 Years 5.25% p.a.
3 Months 4.80% p.a.
6 Months 4.95% p.a.
9 Months 5.05% p.a.
1 Year 5.15% p.a.
2 Years 5.15% p.a.
3 Years 5.15% p.a.
4 Years 5.15% p.a.
5 Years 5.15% p.a.
3 Months
6 Months
9 Months
1 Year 5.25% p.a.
2 Years 5.20% p.a.
3 Years 5.20% p.a.
4 Years 5.20% p.a.
5 Years 5.20% p.a.

Judo Bank has claimed the Bank of the Year Award - Term Deposits from Canstar 4 years in a row.


As of 30 June 2023, our Term Deposit customers have deposited over $5.95 billion – helping fund the future of our business customers.


We're proud to have continued to receive industry recognition from Canstar, Mozo, RateCity and more.


Apply for and manage your Term Deposit using our simple and secure digital experience.


Roll over your entire Term Deposit with us on maturity and you can earn an additional 0.10% bonus interest on top of our standard Term Deposit rates.


Better cashflow management with interest payments that suit you: monthly, yearly, or at maturity. Choose from terms of 3 months up to 5 years.


With no application or monthly account fees, all your savings get put to good use, provided you hold your Term Deposit until maturity.

Judo Bank is proud to be recognised as a market-leading Term Deposit issuer. We are committed to helping our customers earn great fixed returns on their savings.

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Any TWO of the following documents: Current Australian driver’s licence, current Australian passport, or current Medicare card.


Australian citizenship or permanent residency, and reside permanently in Australia. You must be over the age of 18.


External nominated Bank account details.


Australian Tax File Number (TFN) or exemption (it's not compulsory to provide your TFN, but doing so could avoid taxation at the highest marginal rate).


Australian mobile phone number and email address for verification and correspondence purposes.


For joint account applications, each applicant requires a unique email address and a unique mobile phone number is also recommended.

Frequently asked questions