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Australia 的最佳 6 个月 term deposit 利率

针对 A$10,000 存款的每家提供商最佳 6 个月利率，面向所有客户，数据来源于各银行官网。最近一次核查时间：18 Oct 2026, 05:37 UTC。

银行	年利率	期限	存款	详情	链接
Bank of Queensland (BOQ)Term Deposit	5.20%≈ A$260 (6 个月)	6 个月	A$5,000 +	基准利率 Minimum opening deposit $5,000; Interest paid at maturity; Personal use; 31 days' notice for early withdrawal	前往银行
ING AustraliaPersonal Term Deposit	5.20%≈ A$260 (6 个月)	6 个月	A$10,000 +	基准利率 Minimum opening deposit $10,000	前往银行
AMP BankAMP Bank GO Term Deposit	5.15%≈ A$258 (6 个月)	6 个月	A$5,000 – A$9,999,999	基准利率 $5,000 to $10,000,000	前往银行
Rabobank AustraliaTerm Deposit	5.10%≈ A$255 (6 个月)	6 个月	A$1,000 – A$100,000	基准利率 From $1,000 to $2,000,000; Personal and joint accounts	前往银行
Judo BankPersonal Term Deposit	4.95%≈ A$248 (6 个月)	6 个月	未说明	基准利率 Interest at maturity (terms up to 1 year) or annually (2-5 years)	前往银行
ANZANZ Advance Notice Term Deposit (interest at maturity)	3.50%≈ A$175 (6 个月)	6 个月	A$5,000 – A$1,999,999	基准利率 $5,000 to $1,999,999; 31 days' notice required for early withdrawal	前往银行
National Australia Bank (NAB)NAB Term Deposit	3.50%≈ A$175 (6 个月)	6 个月	A$5,000 – A$1,999,999	基准利率 Rates for $5,000 (minimum opening balance) to $1,999,999; Interest at maturity	前往银行
Commonwealth Bank of AustraliaTerm Deposit (popular rates)	3.45%≈ A$173 (6 个月)	6 个月	A$5,000 – A$49,999	基准利率 Rate for $5,000 to $49,999; Full rate list is in a PDF linked from the page	前往银行
WestpacTerm Deposit (interest at maturity)	3.40%≈ A$170 (6 个月)	6 个月	A$5,000 – A$2,000,000	基准利率 $5,000 to $2,000,000; Add 0.10% p.a. if already with Westpac and opening or renewing online	前往银行

不同金额、优先级层级或新资金过滤？打开完整比较.

存款保障：Financial Claims Scheme (FCS)

限额A$250,000

Under the Financial Claims Scheme, deposits are protected up to a limit of $250,000 for each account holder at each bank, building society and credit union (ADI) that is incorporated in Australia and authorised by APRA. 来源, 已检查 2026-10-18.

我们是比较服务平台，而非银行：我们不接受存款。利率可能随时变动；请在存款前向银行确认。此信息不构成理财建议。