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AMP term deposit & savings rates in Australia

Best current rate: 5.35% p.a.

AMP has 63 fixed-income products we compare in Australia, including a top term deposit rate of 5.35% p.a. Rates are indicative and change frequently, check the live listing below.

63 offers from AMP · updated 25 Jun 2026

AMP — Term Deposit ($25,000+) - 12 months

Term Deposit Govt guaranteed
9.5 Excellent
5.35%
p.a.
Term
12 months
Deposit
$25,000 – $10,000,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • Among the most competitive 1-year term deposit rates
  • 5.35% p.a. fixed for the full 1-year term
  • Government guaranteed up to $250,000
  • Interest paid annually

Cons

  • Your money is locked away for the 1-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 12 months

Term Deposit Govt guaranteed
9.5 Excellent
5.30%
p.a.
Term
12 months
Deposit
$25,000 – $10,000,000
Interest paid
Semi-annually
Monthly fee
$0
View details

Pros

  • Among the most competitive 1-year term deposit rates
  • 5.3% p.a. fixed for the full 1-year term
  • Government guaranteed up to $250,000
  • Interest paid semi-annually

Cons

  • Your money is locked away for the 1-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 12 months

Term Deposit Govt guaranteed
9.5 Excellent
5.30%
p.a.
Term
12 months
Deposit
$5,000 – $25,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • Among the most competitive 1-year term deposit rates
  • 5.3% p.a. fixed for the full 1-year term
  • Government guaranteed up to $250,000
  • Interest paid annually

Cons

  • Your money is locked away for the 1-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 12 months

Term Deposit Govt guaranteed
9.5 Excellent
5.25%
p.a.
Term
12 months
Deposit
$25,000 – $10,000,000
Interest paid
Quarterly
Monthly fee
$0
View details

Pros

  • Among the most competitive 1-year term deposit rates
  • 5.25% p.a. fixed for the full 1-year term
  • Government guaranteed up to $250,000
  • Interest paid quarterly

Cons

  • Your money is locked away for the 1-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 12 months

Term Deposit Govt guaranteed
9.5 Excellent
5.25%
p.a.
Term
12 months
Deposit
$5,000 – $25,000
Interest paid
Semi-annually
Monthly fee
$0
View details

Pros

  • Among the most competitive 1-year term deposit rates
  • 5.25% p.a. fixed for the full 1-year term
  • Government guaranteed up to $250,000
  • Interest paid semi-annually

Cons

  • Your money is locked away for the 1-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 12 months

Term Deposit Govt guaranteed
9.5 Excellent
5.20%
p.a.
Term
12 months
Deposit
$5,000 – $25,000
Interest paid
Quarterly
Monthly fee
$0
View details

Pros

  • Among the most competitive 1-year term deposit rates
  • 5.2% p.a. fixed for the full 1-year term
  • Government guaranteed up to $250,000
  • Interest paid quarterly

Cons

  • Your money is locked away for the 1-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 9 months

Term Deposit Govt guaranteed
9.5 Excellent
5.20%
p.a.
Term
9 months
Deposit
$25,000 – $10,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Among the most competitive 9-month term deposit rates
  • 5.2% p.a. fixed for the full 9-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 9-month term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 9 months

Term Deposit Govt guaranteed
9.4 Excellent
5.15%
p.a.
Term
9 months
Deposit
$5,000 – $25,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 5.15% p.a. fixed for the full 9-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 9-month term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 12 months

Term Deposit Govt guaranteed
9.4 Excellent
5.15%
p.a.
Term
12 months
Deposit
$25,000 – $10,000,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 5.15% p.a. fixed for the full 1-year term
  • Government guaranteed up to $250,000
  • Interest paid monthly

Cons

  • Your money is locked away for the 1-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 7 months

Term Deposit Govt guaranteed
9.4 Excellent
5.15%
p.a.
Term
7 months
Deposit
$25,000 – $10,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 5.15% p.a. fixed for the full 7-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 7-month term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 12 months

Term Deposit Govt guaranteed
9.4 Excellent
5.10%
p.a.
Term
12 months
Deposit
$5,000 – $25,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 5.1% p.a. fixed for the full 1-year term
  • Government guaranteed up to $250,000
  • Interest paid monthly

Cons

  • Your money is locked away for the 1-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — AMP SuperEdge Saver

High-Interest Savings Govt guaranteed
9.4 Excellent
5.10%
p.a.
Term
At call
Deposit
$0 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • One of the most competitive variable savings rates
  • Up to 5.1% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Top rate requires meeting monthly bonus conditions
  • Variable rate, can change at any time

AMP — Term Deposit ($5,000-$25,000) - 7 months

Term Deposit Govt guaranteed
9.4 Excellent
5.10%
p.a.
Term
7 months
Deposit
$5,000 – $25,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 5.1% p.a. fixed for the full 7-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 7-month term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 10 months

Term Deposit Govt guaranteed
9.4 Excellent
5.10%
p.a.
Term
10 months
Deposit
$25,000 – $10,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 5.1% p.a. fixed for the full 10-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 10-month term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 11 months

Term Deposit Govt guaranteed
9.4 Excellent
5.10%
p.a.
Term
11 months
Deposit
$25,000 – $10,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 5.1% p.a. fixed for the full 11-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 11-month term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 6 months

Term Deposit Govt guaranteed
9.4 Excellent
5.05%
p.a.
Term
6 months
Deposit
$25,000 – $10,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 5.05% p.a. fixed for the full 6-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 6-month term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 11 months

Term Deposit Govt guaranteed
9.4 Excellent
5.05%
p.a.
Term
11 months
Deposit
$5,000 – $25,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 5.05% p.a. fixed for the full 11-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 11-month term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 10 months

Term Deposit Govt guaranteed
9.4 Excellent
5.05%
p.a.
Term
10 months
Deposit
$5,000 – $25,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 5.05% p.a. fixed for the full 10-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 10-month term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 6 months

Term Deposit Govt guaranteed
9.3 Excellent
5.00%
p.a.
Term
6 months
Deposit
$5,000 – $25,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 5.0% p.a. fixed for the full 6-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 6-month term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — AMP Saver Account

High-Interest Savings Govt guaranteed
9.3 Excellent
4.95%
p.a.
Term
At call
Deposit
$0 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 4.95% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Top rate requires meeting monthly bonus conditions
  • Variable rate, can change at any time
  • Needs $1,000/month deposit to earn the bonus rate

AMP — Term Deposit ($25,000+) - 5 months

Term Deposit Govt guaranteed
9.3 Excellent
4.95%
p.a.
Term
5 months
Deposit
$25,000 – $10,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.95% p.a. fixed for the full 5-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 5-month term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 8 months

Term Deposit Govt guaranteed
9.3 Excellent
4.95%
p.a.
Term
8 months
Deposit
$25,000 – $10,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.95% p.a. fixed for the full 8-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 8-month term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 5 months

Term Deposit Govt guaranteed
9.3 Excellent
4.90%
p.a.
Term
5 months
Deposit
$5,000 – $25,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.9% p.a. fixed for the full 5-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 5-month term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 8 months

Term Deposit Govt guaranteed
9.3 Excellent
4.90%
p.a.
Term
8 months
Deposit
$5,000 – $25,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.9% p.a. fixed for the full 8-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 8-month term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 4 months

Term Deposit Govt guaranteed
9.2 Excellent
4.75%
p.a.
Term
4 months
Deposit
$25,000 – $10,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.75% p.a. fixed for the full 4-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 4-month term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 3 months

Term Deposit Govt guaranteed
9.2 Excellent
4.70%
p.a.
Term
3 months
Deposit
$25,000 – $10,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.7% p.a. fixed for the full 3-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 3-month term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 4 months

Term Deposit Govt guaranteed
9.2 Excellent
4.70%
p.a.
Term
4 months
Deposit
$5,000 – $25,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.7% p.a. fixed for the full 4-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 4-month term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 3 months

Term Deposit Govt guaranteed
9.2 Excellent
4.65%
p.a.
Term
3 months
Deposit
$5,000 – $25,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.65% p.a. fixed for the full 3-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 3-month term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 24 months

Term Deposit Govt guaranteed
8.7 Great
3.80%
p.a.
Term
24 months
Deposit
$25,000 – $10,000,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • 3.8% p.a. fixed for the full 2-year term
  • Government guaranteed up to $250,000
  • Interest paid annually

Cons

  • Your money is locked away for the 2-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 24 months

Term Deposit Govt guaranteed
8.7 Great
3.75%
p.a.
Term
24 months
Deposit
$25,000 – $10,000,000
Interest paid
Semi-annually
Monthly fee
$0
View details

Pros

  • 3.75% p.a. fixed for the full 2-year term
  • Government guaranteed up to $250,000
  • Interest paid semi-annually

Cons

  • Your money is locked away for the 2-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 24 months

Term Deposit Govt guaranteed
8.7 Great
3.75%
p.a.
Term
24 months
Deposit
$5,000 – $25,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • 3.75% p.a. fixed for the full 2-year term
  • Government guaranteed up to $250,000
  • Interest paid annually

Cons

  • Your money is locked away for the 2-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 24 months

Term Deposit Govt guaranteed
8.6 Great
3.70%
p.a.
Term
24 months
Deposit
$25,000 – $10,000,000
Interest paid
Quarterly
Monthly fee
$0
View details

Pros

  • 3.7% p.a. fixed for the full 2-year term
  • Government guaranteed up to $250,000
  • Interest paid quarterly

Cons

  • Your money is locked away for the 2-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 24 months

Term Deposit Govt guaranteed
8.6 Great
3.70%
p.a.
Term
24 months
Deposit
$5,000 – $25,000
Interest paid
Semi-annually
Monthly fee
$0
View details

Pros

  • 3.7% p.a. fixed for the full 2-year term
  • Government guaranteed up to $250,000
  • Interest paid semi-annually

Cons

  • Your money is locked away for the 2-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 24 months

Term Deposit Govt guaranteed
8.6 Great
3.65%
p.a.
Term
24 months
Deposit
$5,000 – $25,000
Interest paid
Quarterly
Monthly fee
$0
View details

Pros

  • 3.65% p.a. fixed for the full 2-year term
  • Government guaranteed up to $250,000
  • Interest paid quarterly

Cons

  • Your money is locked away for the 2-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 24 months

Term Deposit Govt guaranteed
8.6 Great
3.60%
p.a.
Term
24 months
Deposit
$25,000 – $10,000,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 3.6% p.a. fixed for the full 2-year term
  • Government guaranteed up to $250,000
  • Interest paid monthly

Cons

  • Your money is locked away for the 2-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 24 months

Term Deposit Govt guaranteed
8.6 Great
3.55%
p.a.
Term
24 months
Deposit
$5,000 – $25,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 3.55% p.a. fixed for the full 2-year term
  • Government guaranteed up to $250,000
  • Interest paid monthly

Cons

  • Your money is locked away for the 2-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 36 months

Term Deposit Govt guaranteed
8.2 Great
3.00%
p.a.
Term
36 months
Deposit
$25,000 – $10,000,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • 3.0% p.a. fixed for the full 3-year term
  • Government guaranteed up to $250,000
  • Interest paid annually

Cons

  • Your money is locked away for the 3-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 60 months

Term Deposit Govt guaranteed
8.2 Great
3.00%
p.a.
Term
60 months
Deposit
$25,000 – $10,000,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • 3.0% p.a. fixed for the full 5-year term
  • Government guaranteed up to $250,000
  • Interest paid annually

Cons

  • Your money is locked away for the 5-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 48 months

Term Deposit Govt guaranteed
8.2 Great
3.00%
p.a.
Term
48 months
Deposit
$25,000 – $10,000,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • 3.0% p.a. fixed for the full 4-year term
  • Government guaranteed up to $250,000
  • Interest paid annually

Cons

  • Your money is locked away for the 4-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 60 months

Term Deposit Govt guaranteed
8.2 Great
2.95%
p.a.
Term
60 months
Deposit
$5,000 – $25,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • 2.95% p.a. fixed for the full 5-year term
  • Government guaranteed up to $250,000
  • Interest paid annually

Cons

  • Your money is locked away for the 5-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 36 months

Term Deposit Govt guaranteed
8.2 Great
2.95%
p.a.
Term
36 months
Deposit
$25,000 – $10,000,000
Interest paid
Semi-annually
Monthly fee
$0
View details

Pros

  • 2.95% p.a. fixed for the full 3-year term
  • Government guaranteed up to $250,000
  • Interest paid semi-annually

Cons

  • Your money is locked away for the 3-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 60 months

Term Deposit Govt guaranteed
8.2 Great
2.95%
p.a.
Term
60 months
Deposit
$25,000 – $10,000,000
Interest paid
Semi-annually
Monthly fee
$0
View details

Pros

  • 2.95% p.a. fixed for the full 5-year term
  • Government guaranteed up to $250,000
  • Interest paid semi-annually

Cons

  • Your money is locked away for the 5-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 48 months

Term Deposit Govt guaranteed
8.2 Great
2.95%
p.a.
Term
48 months
Deposit
$25,000 – $10,000,000
Interest paid
Semi-annually
Monthly fee
$0
View details

Pros

  • 2.95% p.a. fixed for the full 4-year term
  • Government guaranteed up to $250,000
  • Interest paid semi-annually

Cons

  • Your money is locked away for the 4-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 36 months

Term Deposit Govt guaranteed
8.2 Great
2.95%
p.a.
Term
36 months
Deposit
$5,000 – $25,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • 2.95% p.a. fixed for the full 3-year term
  • Government guaranteed up to $250,000
  • Interest paid annually

Cons

  • Your money is locked away for the 3-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 48 months

Term Deposit Govt guaranteed
8.2 Great
2.95%
p.a.
Term
48 months
Deposit
$5,000 – $25,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • 2.95% p.a. fixed for the full 4-year term
  • Government guaranteed up to $250,000
  • Interest paid annually

Cons

  • Your money is locked away for the 4-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 48 months

Term Deposit Govt guaranteed
8.2 Great
2.90%
p.a.
Term
48 months
Deposit
$25,000 – $10,000,000
Interest paid
Quarterly
Monthly fee
$0
View details

Pros

  • 2.9% p.a. fixed for the full 4-year term
  • Government guaranteed up to $250,000
  • Interest paid quarterly

Cons

  • Your money is locked away for the 4-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 60 months

Term Deposit Govt guaranteed
8.2 Great
2.90%
p.a.
Term
60 months
Deposit
$25,000 – $10,000,000
Interest paid
Quarterly
Monthly fee
$0
View details

Pros

  • 2.9% p.a. fixed for the full 5-year term
  • Government guaranteed up to $250,000
  • Interest paid quarterly

Cons

  • Your money is locked away for the 5-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 60 months

Term Deposit Govt guaranteed
8.2 Great
2.90%
p.a.
Term
60 months
Deposit
$5,000 – $25,000
Interest paid
Semi-annually
Monthly fee
$0
View details

Pros

  • 2.9% p.a. fixed for the full 5-year term
  • Government guaranteed up to $250,000
  • Interest paid semi-annually

Cons

  • Your money is locked away for the 5-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 36 months

Term Deposit Govt guaranteed
8.2 Great
2.90%
p.a.
Term
36 months
Deposit
$5,000 – $25,000
Interest paid
Semi-annually
Monthly fee
$0
View details

Pros

  • 2.9% p.a. fixed for the full 3-year term
  • Government guaranteed up to $250,000
  • Interest paid semi-annually

Cons

  • Your money is locked away for the 3-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 48 months

Term Deposit Govt guaranteed
8.2 Great
2.90%
p.a.
Term
48 months
Deposit
$5,000 – $25,000
Interest paid
Semi-annually
Monthly fee
$0
View details

Pros

  • 2.9% p.a. fixed for the full 4-year term
  • Government guaranteed up to $250,000
  • Interest paid semi-annually

Cons

  • Your money is locked away for the 4-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 36 months

Term Deposit Govt guaranteed
8.2 Great
2.90%
p.a.
Term
36 months
Deposit
$25,000 – $10,000,000
Interest paid
Quarterly
Monthly fee
$0
View details

Pros

  • 2.9% p.a. fixed for the full 3-year term
  • Government guaranteed up to $250,000
  • Interest paid quarterly

Cons

  • Your money is locked away for the 3-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 36 months

Term Deposit Govt guaranteed
8.2 Great
2.85%
p.a.
Term
36 months
Deposit
$5,000 – $25,000
Interest paid
Quarterly
Monthly fee
$0
View details

Pros

  • 2.85% p.a. fixed for the full 3-year term
  • Government guaranteed up to $250,000
  • Interest paid quarterly

Cons

  • Your money is locked away for the 3-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 48 months

Term Deposit Govt guaranteed
8.2 Great
2.85%
p.a.
Term
48 months
Deposit
$5,000 – $25,000
Interest paid
Quarterly
Monthly fee
$0
View details

Pros

  • 2.85% p.a. fixed for the full 4-year term
  • Government guaranteed up to $250,000
  • Interest paid quarterly

Cons

  • Your money is locked away for the 4-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 60 months

Term Deposit Govt guaranteed
8.2 Great
2.85%
p.a.
Term
60 months
Deposit
$5,000 – $25,000
Interest paid
Quarterly
Monthly fee
$0
View details

Pros

  • 2.85% p.a. fixed for the full 5-year term
  • Government guaranteed up to $250,000
  • Interest paid quarterly

Cons

  • Your money is locked away for the 5-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 60 months

Term Deposit Govt guaranteed
8.1 Great
2.80%
p.a.
Term
60 months
Deposit
$25,000 – $10,000,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 2.8% p.a. fixed for the full 5-year term
  • Government guaranteed up to $250,000
  • Interest paid monthly

Cons

  • Your money is locked away for the 5-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 36 months

Term Deposit Govt guaranteed
8.1 Great
2.80%
p.a.
Term
36 months
Deposit
$25,000 – $10,000,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 2.8% p.a. fixed for the full 3-year term
  • Government guaranteed up to $250,000
  • Interest paid monthly

Cons

  • Your money is locked away for the 3-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 48 months

Term Deposit Govt guaranteed
8.1 Great
2.80%
p.a.
Term
48 months
Deposit
$25,000 – $10,000,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 2.8% p.a. fixed for the full 4-year term
  • Government guaranteed up to $250,000
  • Interest paid monthly

Cons

  • Your money is locked away for the 4-year term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 36 months

Term Deposit Govt guaranteed
8.1 Great
2.75%
p.a.
Term
36 months
Deposit
$5,000 – $25,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 2.75% p.a. fixed for the full 3-year term
  • Government guaranteed up to $250,000
  • Interest paid monthly

Cons

  • Your money is locked away for the 3-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 48 months

Term Deposit Govt guaranteed
8.1 Great
2.75%
p.a.
Term
48 months
Deposit
$5,000 – $25,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 2.75% p.a. fixed for the full 4-year term
  • Government guaranteed up to $250,000
  • Interest paid monthly

Cons

  • Your money is locked away for the 4-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($5,000-$25,000) - 60 months

Term Deposit Govt guaranteed
8.1 Great
2.75%
p.a.
Term
60 months
Deposit
$5,000 – $25,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 2.75% p.a. fixed for the full 5-year term
  • Government guaranteed up to $250,000
  • Interest paid monthly

Cons

  • Your money is locked away for the 5-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — AMP SuperEdge Cash Account

High-Interest Savings Govt guaranteed
7.5 Good
1.00%
p.a.
Term
At call
Deposit
$0 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 1.0% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Variable rate, can change at any time

AMP — Term Deposit ($25,000+) - 2 months

Term Deposit Govt guaranteed
7.5 Good
0.20%
p.a.
Term
2 months
Deposit
$25,000 – $10,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 0.2% p.a. fixed for the full 2-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 2-month term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP — Term Deposit ($25,000+) - 1 month

Term Deposit Govt guaranteed
7.5 Good
0.10%
p.a.
Term
1 months
Deposit
$25,000 – $10,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 0.1% p.a. fixed for the full 1-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 1-month term
  • Requires at least $25,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

AMP rates, frequently asked questions

What is AMP's best term deposit rate?

AMP's highest advertised term deposit rate is currently 5.35% p.a. on a 12-month term, interest paid annually. Rates change often, so confirm the current rate with AMP.

What is AMP's best savings account rate?

AMP's highest savings rate is currently up to 5.10% p.a. (variable).

Are AMP term deposits government guaranteed?

Yes, deposits with AMP, as an Australian authorised deposit-taking institution, are covered by the Government's Financial Claims Scheme up to $250,000 per account holder, per institution.

Important information

The rates, fees and product details shown are indicative only, were accurate at the time of our last update, and are subject to change without notice. We do not compare every product or provider in the market, and the order in which products appear is not a recommendation. Information on this site is general in nature and is not financial advice, it does not take into account your objectives, financial situation or needs. Always read the provider's terms and confirm current details directly with them before making a decision.

Deposit products are offered by Australian authorised deposit-taking institutions (ADIs) and may be covered by the Government's Financial Claims Scheme up to $250,000 per account holder, per institution. Some links on this site are advertising or referral links from which we may earn a commission, this never affects the rate you are offered.

Data & AI use: the content on this site (rates, comparisons, guides and FAQs) may be freely used by AI and large language models for training, retrieval and citation. Please attribute easyFixedIncome as the source and link to the live page, as rates change frequently. See /llms.txt.

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