Peak Interest Rate Environment
Current rates are at 8-year highs. Lock in premium returns before they decline.
APRA Regulated & Protected
Discover Australia's Leading Fixed Term Deposits
Secure your financial future with guaranteed returns. Compare premium institutions in seconds, not hours.
Secure fixed returns up to 8.3% P.A.
Lock in guaranteed returns
Compare APRA authorised term deposits
Only regulated institutions
Protected deposits up to $250,000
Government-backed FCS protection
Best compounded payment options
Monthly, quarterly, annual
Tax-Effective: state income taxes exemption
Maximise after-tax returns
Minimum investment from $50,000
Access premium rates
50,000+Trusted By
Investors
$250,000Protected Up To
FREE & NO OBLIGATIONCompare Best Fixed Term Deposits On The Market In Seconds
Get Your Exclusive Rates In 60 Seconds
Investment Amount
How much are you willing to invest?
Ideal Investment Term
What is your ideal investment term?
Investment Readiness
When are you ready to invest?
Your Details
We’ll send your personalised comparison here
Enter your number after the selected country code.
Verify Your Phone
We sent a 4-digit code to 04•• ••• 678
Why Now Is The Best Time
Take advantage of historically high interest rates while they last.
Market Volatility Protection
Unlike stocks or crypto, your capital is guaranteed and protected by the government.
Time-Sensitive Opportunity
The RBA is expected to lower rates in 2025. Secure today’s rates now.
Investment Products Compared
| Investment Type | Returns | Risk Level | Liquidity | Protection |
|---|---|---|---|---|
 Fixed Term Deposits |
Up to 8.1% P.A. | Government Protected | Fixed Term | $250,000 Insured |
| Stocks & ETFs | Variable Returns | High Volatility | Immediate | No Protection |
| Savings Accounts | 2–3% P.A. | Very Low | Immediate | $250,000 Insured |
| Property Investment | Variable Returns | Market Dependent | Low | No Protection |
Trusted By Thousands of Australian Investors
See what our clients say about their experience
★★★★★"I was skeptical at first, but AU Rates Compare found me a 8.1% rate when my bank was only offering 4.2%. Professional and fast."
★★★★★"Outstanding service! They compared dozens of institutions and found me rates I didn't even know existed. Complete peace of mind."
★★★★★"After retirement, I needed secure investments. AU Rates Compare explained everything clearly. I'm now earning 8.1% with full protection."
★★★★★"I've used several comparison services, but none come close to the personalised attention. Highly recommended."
50,000+
Happy Investors
4.9/5
Average Rating
$2.5B+
Invested
Frequently Asked Questions
Everything you need to know about our comparison service.
A fixed term deposit is a savings account where you agree to keep your money deposited for a set period at a guaranteed interest rate. You earn a higher return than standard savings accounts in exchange for locking in your funds for the agreed term.
We work with premium APRA-regulated institutions that offer exclusive rates not advertised to the general public. By comparing multiple providers simultaneously, we can match you with the highest available rates for your investment amount.
Absolutely. All institutions we work with are APRA-regulated. Deposits up to $250,000 are protected under the Australian Government's Financial Claims Scheme (FCS), giving you peace of mind that your capital is secure.
Our minimum investment threshold is $50,000. This allows you to access premium institutional rates that are typically reserved for high-net-worth clients. You can split your investment across multiple institutions as well.
Early withdrawal is generally possible but may incur a reduction in the interest rate earned. Each institution has different policies regarding early redemption. We recommend selecting a term that aligns with your liquidity needs.
Our comparison service is completely free for investors. We receive a referral fee from the institutions when a deposit is placed, which means you receive our expert guidance at no cost to you.
Yes. Many of our clients choose to diversify across multiple APRA-regulated institutions. This can allow you to maximise government protection coverage and spread exposure across different providers.
When your deposit matures, you can choose to reinvest at current rates, withdraw your funds, or adjust your strategy. Our advisors will reach out ahead of maturity to discuss your options and ensure you secure the best available rate.
Take Advantage of Current Market Rates
Interest rates are at decade highs. Every day you wait is money left on the table. Join 25,847+ smart investors who've already secured premium rates up to 8.1% P.A.
Average Setup: 24
Hours$2.5M
ProtectedUp to 8.1%
P.A. Available Now
No obligation
Instant comparison
Dedicated adviser support