Choose a rate valid until 2026.
Promotional rates
for 3 months
for 12 months
Available on new term deposits opened before 31 December 2026. On balances $1m and below.
We offer two term deposits, designed for your unique savings goals.
Compare both products, interest rates, and requirements below to find the right fit for you.
We've reimagined how term deposits work with the Macquarie Term Deposit.
Term periods: Choose from 3, 6, 9, or 12 month fixed terms.
At the end of your term: Funds will be automatically transferred to your linked account, and you can open a new term deposit at any time.
To break your term deposit early: You'll need to provide at least 31 days notice and will not earn interest during the notice period.
Our classic Macquarie Term Deposit rates are offered to Australian companies.
Term periods: Choose a fixed term from 1 month.
At the end of your term: Funds will automatically rollover to the same term, with the option to update the maturity instructions in banking.
To break your term deposit early: You'll need to provide at least 31 days notice and will incur a break fee.
We've reimagined how term deposits work with the Macquarie Term Deposit.
Available for individual or company accounts with a minimum investment of $25,000.
I want to deposit...
No account fees.
Macquarie Term Deposit funds are locked in until maturity. At least 31 days' notice is required to close your account and access your funds prior to the maturity date, except in cases of hardship. Term Deposits will not earn any interest (0%) during the notice period.
If you're opening multiple term deposit accounts with similar investment terms within a short period of time, the lower rate may be applied across the total balance of your term deposits.
Select the account type you want to open:
If you're applying as an individual account holder, you'll first need to have a Macquarie Transaction Account in the same name as the term deposit you're applying for.
Quickly search and find the answer to common questions to manage your term deposit.
Visit Help CentreThis information has been prepared by Macquarie Bank Limited AFSL and Australian Credit Licence 237502 (MBL) and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you. Lending criteria, fees and T&Cs apply.
Government Guarantee: The Australian Government guarantees aggregated deposits with Australian authorised deposit-taking institutions, including Macquarie Bank, of up to $A250,000. Further information about the Government Guarantee can be obtained from the APRA website at www.fcs.gov.au.
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