Rate Movements Tracker

Which Australian banks have changed their savings, term deposit and home loan rates — and when. We track 76 products and verify them regularly; last checked 21 July 2026.

The last 90 days, by the numbers

Term deposits

6 cuts·3 rises

typical move 0.11%

Home loans

1 cut·0 rises

typical move 0.45%

10 confirmed movements recorded across 76 tracked products in the 90 days to 21 July 2026.

Where the market sits right now

Top savings rate

5.90%

Rabobank

Top 12-month TD rate

5.40%

AMP Bank

Lowest variable home loan

5.59%

Pacific Mortgage Group

21 July 2026

Suncorp Bank Term Deposit 12-month term deposit rate5.30%↑5.35%

20 July 2026

Bendigo Bank Term Deposit 12-month term deposit rate5.10%↓5.00%

19 July 2026

Newcastle Permanent Term Deposit 12-month term deposit rate5.35%↓5.25%

15 July 2026

MyState Bank Online Term Deposit 12-month term deposit rate5.30%↓5.15%

10 July 2026

Westpac Flexi First Option (Online Offer) lowest variable rate6.44%↓5.99%

7 July 2026

Macquarie Bank Term Deposit 12-month term deposit rate5.25%↓5.20%
BOQ Term Deposit 12-month term deposit rate5.10%↑5.25%

30 June 2026

Great Southern Bank Term Deposit 12-month term deposit rate5.45%↓5.25%

23 June 2026

Macquarie Bank Term Deposit 12-month term deposit rate5.35%↓5.25%
Great Southern Bank Term Deposit 12-month term deposit rate5.35%↑5.45%

How this works

Every figure on SavingsFlow is verified against each bank’s own data and re-checked as often as daily. When a tracked rate changes, we record the move here. It’s the same verified data behind our savings, term deposit and home loan guides.

Movements reflect changes to the headline rate we track for each product and are general information, not financial advice. Always confirm the current rate with the provider before acting.