Bank of us term deposit & savings rates in Australia

Best current rate: 5.25% p.a.

Bank of us has 27 fixed-income products we compare in Australia, including a top term deposit rate of 5.25% p.a. Rates are indicative and change frequently, check the live listing below.

27 offers from Bank of us · updated 25 Jun 2026

Bank of us — Term Deposit - 7 months

Term Deposit Govt guaranteed
9.5 Excellent
5.25%
p.a.
Term
7 months
Deposit
$5,000 – $500,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Among the most competitive 7-month term deposit rates
  • 5.25% 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

Bank of us — Spring Load

High-Interest Savings Govt guaranteed
9.5 Excellent
5.25%
p.a.
Term
At call
Deposit
$100 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • One of the most competitive variable savings rates
  • Up to 5.25% 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

Bank of us — Term Deposit - 12 months

Term Deposit Govt guaranteed
9.5 Excellent
5.20%
p.a.
Term
12 months
Deposit
$5,000 – $500,000
Interest paid
Annually
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 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

Bank of us — Term Deposit - 12 months

Term Deposit Govt guaranteed
9.4 Excellent
5.15%
p.a.
Term
12 months
Deposit
$5,000 – $500,000
Interest paid
Semi-annually
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 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

Bank of us — Term Deposit - 9 months

Term Deposit Govt guaranteed
9.4 Excellent
5.10%
p.a.
Term
9 months
Deposit
$5,000 – $500,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 5.1% 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
9.4 Excellent
5.10%
p.a.
Term
12 months
Deposit
$5,000 – $500,000
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

Bank of us — Save up

High-Interest Savings Govt guaranteed
9.4 Excellent
5.05%
p.a.
Term
At call
Deposit
$1 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 5.05% 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 $50/month deposit to earn the bonus rate

Bank of us — Term Deposit - 6 months

Term Deposit Govt guaranteed
9.3 Excellent
5.00%
p.a.
Term
6 months
Deposit
$5,000 – $500,000
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

Bank of us — Term Deposit - 5 months

Term Deposit Govt guaranteed
9.2 Excellent
4.80%
p.a.
Term
5 months
Deposit
$5,000 – $500,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.8% 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

Bank of us — Term Deposit - 4 months

Term Deposit Govt guaranteed
9.2 Excellent
4.75%
p.a.
Term
4 months
Deposit
$5,000 – $500,000
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 $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

Bank of us — Term Deposit - 3 months

Term Deposit Govt guaranteed
9.2 Excellent
4.75%
p.a.
Term
3 months
Deposit
$5,000 – $500,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.75% 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

Bank of us — Term Deposit - 24 months

Term Deposit Govt guaranteed
9.1 Excellent
4.60%
p.a.
Term
24 months
Deposit
$5,000 – $500,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • 4.6% 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

Bank of us — Term Deposit - 24 months

Term Deposit Govt guaranteed
9.0 Excellent
4.35%
p.a.
Term
24 months
Deposit
$5,000 – $500,000
Interest paid
Semi-annually
Monthly fee
$0
View details

Pros

  • 4.35% 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
8.9 Great
4.25%
p.a.
Term
24 months
Deposit
$5,000 – $500,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 4.25% 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

Bank of us — Term Deposit - 36 months

Term Deposit Govt guaranteed
8.9 Great
4.20%
p.a.
Term
36 months
Deposit
$5,000 – $500,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • 4.2% 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

Bank of us — Term Deposit - 36 months

Term Deposit Govt guaranteed
8.8 Great
4.00%
p.a.
Term
36 months
Deposit
$5,000 – $500,000
Interest paid
Semi-annually
Monthly fee
$0
View details

Pros

  • 4.0% 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

Bank of us — Term Deposit - 11 months

Term Deposit Govt guaranteed
8.8 Great
4.00%
p.a.
Term
11 months
Deposit
$5,000 – $500,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.0% 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

Bank of us — Term Deposit - 10 months

Term Deposit Govt guaranteed
8.8 Great
4.00%
p.a.
Term
10 months
Deposit
$5,000 – $500,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.0% 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

Bank of us — Term Deposit - 8 months

Term Deposit Govt guaranteed
8.8 Great
4.00%
p.a.
Term
8 months
Deposit
$5,000 – $500,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.0% 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

Bank of us — Stash n Splash

High-Interest Savings Govt guaranteed
8.2 Great
3.00%
p.a.
Term
At call
Deposit
$1 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 3.0% 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

Bank of us — Spring Load

High-Interest Savings Govt guaranteed
7.8 Good
2.25%
p.a.
Term
At call
Deposit
$100 – $49,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 2.25% 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

Bank of us — Stash n Splash

High-Interest Savings Govt guaranteed
7.8 Good
2.25%
p.a.
Term
At call
Deposit
$1 – $49,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 2.25% 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

Bank of us — Pension Advantage

High-Interest Savings Govt guaranteed
7.7 Good
2.05%
p.a.
Term
At call
Deposit
$1 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 2.05% 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

Bank of us — Term Deposit - 2 months

Term Deposit Govt guaranteed
7.7 Good
2.00%
p.a.
Term
2 months
Deposit
$5,000 – $500,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 2.0% 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 $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

Bank of us — Term Deposit - 1 month

Term Deposit Govt guaranteed
7.7 Good
2.00%
p.a.
Term
1 months
Deposit
$5,000 – $500,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 2.0% 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 $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

Bank of us — Pension Advantage

High-Interest Savings Govt guaranteed
7.5 Good
1.55%
p.a.
Term
At call
Deposit
$1 – $49,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 1.55% 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

Bank of us — Super Advantage

High-Interest Savings Govt guaranteed
7.5 Good
1.50%
p.a.
Term
At call
Deposit
$1 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 1.5% 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

Bank of us rates, frequently asked questions

What is Bank of us's best term deposit rate?

Bank of us's highest advertised term deposit rate is currently 5.25% p.a. on a 7-month term, interest paid at maturity. Rates change often, so confirm the current rate with Bank of us.

What is Bank of us's best savings account rate?

Bank of us's highest savings rate is currently up to 5.25% p.a. (variable).

Are Bank of us term deposits government guaranteed?

Yes, deposits with Bank of us, 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.