APRA-Regulated Institutions

Compare Australia's Best
Fixed Term Deposits

Secure returns up to 9.25% P.A. with government-protected deposits from APRA-regulated institutions

Government protection up to $250,000 per account holder

Guaranteed rates locked in for the entire term

No fees, no hidden costs - what you see is what you get

Fast setup - get your results in less than 24 hours

12,000
People got rates
9.25%
P.A. returns
$250K
Protected
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Get personalized rates from Australia's leading financial institutions

Why Choose Fixed Term Deposits?

Secure, guaranteed returns with full government protection

Government Protected

Deposits up to $250,000 are protected by the Australian Government's Financial Claims Scheme

High Returns

Earn up to 9.25% P.A. with rates locked in for the entire term

Low Risk

Your capital is guaranteed and secure with APRA-regulated institutions

Investment Products Compared

See how Fixed Term Deposits compare to other investment options

Fixed Term Deposits
Returns: Up to 9.25% P.A.
Risk Level: Government Protected
Liquidity: Fixed Term
Protection: $250,000 Insured
Stocks & ETFs
Returns: Variable Returns
Risk Level: High Volatility
Liquidity: Immediate
Protection: No Protection
Savings Accounts
Returns: 2-3% P.A.
Risk Level: Very Low
Liquidity: Immediate
Protection: $250,000 Insured
Property Investment
Returns: Variable Returns
Risk Level: Market Dependent
Liquidity: Low
Protection: No Protection

Ready to secure the best Fixed Term Deposit rates?

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How It Works

Simple steps to secure the best rates

1

Enter Your Details

Tell us your investment amount and preferred term

2

Verify Your Phone

Secure verification via SMS code

3

Get Matched

We connect you with the best rates available

4

Secure Your Rate

Lock in your rate with an APRA-regulated institution

What Our Clients Say

Real results from real investors

Sarah M.

Sarah M.

Sydney, NSW

"Found the perfect 5-year term deposit at 8.9% P.A. The process was seamless and I secured my rate within 24 hours!"

Investment

$150,000

Term

5 years

Rate Earned

8.9% P.A.

Annual Return

$13,350

James T.

James T.

Melbourne, VIC

"Excellent service! Compared multiple institutions and secured a rate of 9.1% P.A. for my $200,000 investment. Highly recommend!"

Investment

$200,000

Term

3 years

Rate Earned

9.1% P.A.

Annual Return

$18,200

Emma L.

Emma L.

Brisbane, QLD

"Quick and easy process. Got matched with a great rate of 8.7% P.A. for my $100,000 deposit. The team was very professional!"

Investment

$100,000

Term

2 years

Rate Earned

8.7% P.A.

Annual Return

$8,700

Michael R.

Michael R.

Perth, WA

"Secured an amazing 9.25% P.A. rate for my $300,000 investment. The comparison service saved me hours of research!"

Investment

$300,000

Term

4 years

Rate Earned

9.25% P.A.

Annual Return

$27,750

Lisa K.

Lisa K.

Adelaide, SA

"Very satisfied with the service. Got a competitive rate of 8.5% P.A. and the entire process was straightforward and secure."

Investment

$75,000

Term

1 year

Rate Earned

8.5% P.A.

Annual Return

$6,375

David W.

David W.

Canberra, ACT

"Excellent platform! Found the best rate of 8.8% P.A. for my $250,000 investment. The verification process was quick and secure."

Investment

$250,000

Term

3 years

Rate Earned

8.8% P.A.

Annual Return

$22,000

Frequently Asked Questions

Everything you need to know about fixed term deposits

What is a fixed term deposit?

A fixed term deposit is a secure investment where you deposit money for a fixed period at a guaranteed interest rate. Your rate is locked in for the entire term, providing predictable returns.

How much can I earn?

Current rates range from 4.5% to 9.25% P.A., depending on your investment amount and term length. Longer terms and larger deposits typically offer higher rates.

Is my money safe?

Yes! All deposits with APRA-regulated institutions are protected by the Australian Government's Financial Claims Scheme up to $250,000 per account holder per institution.

What is the minimum investment?

Minimum investment amounts vary by institution, typically ranging from $1,000 to $50,000. Our comparison service helps you find options that match your investment amount.

Can I withdraw my money early?

Early withdrawal is usually possible but may incur penalties or reduced interest rates. Terms and conditions vary by institution, so it's important to review these before investing.

How long does it take to set up?

Most applications are processed within 1-3 business days. Once approved, your funds are locked in and start earning interest immediately.

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