Rate Movements Tracker

Which Australian banks have changed their savings, term deposit and home loan rates — and when. We track 77 products and verify them regularly; last checked 16 September 2026.

The last 90 days, by the numbers

Term deposits

15 cuts·8 rises

typical move 0.11%

Credit cards

1 cut·2 rises

typical move 53,333.333 pts

Home loans

1 cut·1 rise

typical move 0.28%

28 confirmed movements recorded across 77 tracked products in the 90 days to 16 September 2026.

Where the market sits right now

Top savings rate

5.90%

Rabobank

Top 12-month TD rate

5.45%

Judo Bank

Lowest variable home loan

5.69%

Pacific Mortgage Group

16 September 2026

Judo Bank Personal Term Deposit 12-month term deposit rate5.35%↑5.45%

15 September 2026

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

14 September 2026

MyState Bank Online Term Deposit 12-month term deposit rate5.05%↑5.25%
NAB Term Deposit 12-month term deposit rate5.15%↑5.20%

10 September 2026

Suncorp Bank Term Deposit 12-month term deposit rate5.35%↓5.30%

9 September 2026

Bank First Term Deposit 12-month term deposit rate5.40%↓5.30%
Community First Bank Term Deposit 12-month term deposit rate5.40%↓5.15%
Pacific Mortgage Group Owner Occupied Variable lowest variable rate5.59%↑5.69%
American Express Velocity Platinum sign-up bonus50,000 pts↑100,000 pts
American Express Qantas American Express Ultimate sign-up bonus50,000 pts↑120,000 pts
CommBank Smart Awards sign-up bonus40,000 pts↓0 pts

1 September 2026

Macquarie Bank Term Deposit 12-month term deposit rate5.15%↑5.30%
CommBank Term Deposit 12-month term deposit rate5.25%↓5.15%

27 August 2026

Great Southern Bank Term Deposit 12-month term deposit rate5.25%↓5.10%

25 August 2026

MyState Bank Online Term Deposit 12-month term deposit rate5.15%↓5.05%

21 August 2026

NAB Term Deposit 12-month term deposit rate5.25%↓5.15%

19 August 2026

ANZ Advance Notice Term Deposit 12-month term deposit rate5.30%↓5.25%

4 August 2026

Macquarie Bank Term Deposit 12-month term deposit rate5.20%↓5.15%

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.