Head-to-head
Great Southern Bank vs Judo Bank Term Deposit
Rates & conditions verified 9 November 2026
Rates can change without notice. Last verified: 9 November 2026 (AEST). Please confirm details on the bank’s official page.
The top of our 12-month table against a term-deposit specialist. Great Southern leads on the headline 12-month rate; Judo counters with a low minimum and a loyalty bump on rollover. Here's which suits your deposit.
Great Southern Bank Term Deposit
Best for savers chasing the top 12-month rate in our table from a customer-owned bank, who also want a strong 5-year option
- Leads our 12-month comparison
- Also tops the 5-year table
- Customer-owned (formerly CUA)
Judo Bank Personal Term Deposit
Best for smaller balances wanting a low entry point and a small loyalty bonus for rolling over
- Low minimum deposit — accessible for smaller balances
- Loyalty bonus for repeat terms
- A term-deposit specialist (2026 Finder award winner)
At a glance
| Feature | Great Southern Bank Term Deposit | Judo Bank Personal Term Deposit |
|---|---|---|
| Best rate (p.a.) | 5.00% (12 months) | 5.45% (12 months) |
| Minimum deposit | $5,000 | $1,000 |
The verdict
Great Southern currently holds the higher 12-month rate (see the table) and adds a standout 5-year option, so it's the pick if rate is your priority and you can meet its minimum. Judo's appeal is accessibility: a lower minimum deposit makes it the easier choice for smaller balances, plus a small loyalty bonus when you roll a term over. For a sizeable lump sum chasing the top rate, Great Southern leads; for a modest balance or repeat rollovers, Judo holds its own.
FAQs
Which has the higher 12-month term deposit rate?
Great Southern Bank currently leads our 12-month comparison; Judo Bank sits just behind. The exact rates are in the table above, and both are protected under the Government's Financial Claims Scheme up to $250,000.
Which is better for a smaller deposit?
Judo Bank — it has the lower minimum deposit, making it more accessible for smaller balances, plus a loyalty bonus on rollover. Great Southern requires a higher minimum but leads on the headline rate. The minimums are shown above.
Related guides
Information verified 9 November 2026. Rates are variable and subject to change. Confirm current rates and conditions on each provider's website before applying. This is not financial advice.