--- title: "Term Savings — Regional Australia Bank" description: "Term Deposits from Regional Australia Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/regional-australia-bank/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890 source: "CDR Compare" language: en-AU last_updated: 2026-06-26T01:24:36.547122Z --- # Term Savings — Regional Australia Bank > Term Deposits from Regional Australia Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Term Deposits · Negotiable rates** Invest your money securely with competitive fixed interest rates. ## At a glance - **Fixed rate:** 5.3% (1 year) ## Apply Applications are handled by the provider: [Apply at Regional Australia Bank](https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry) ## Deposit rates | Type | Rate | Applies to | Interest paid | | --- | --- | --- | --- | | Fixed · 1 year (Interest rate is per annum. For deposits over $500,000 rates are by negotiation.) | 5.3% | Balances between $1,000 and $500,000 | yearly | | Fixed · 4 years (Interest rate is per annum. For deposits over $500,000 rates are by negotiation.) | 3.6% | Balances between $1,000 and $500,000 | every 4 years | | Fixed · 2 months (Interest rate is per annum. For deposits over $500,000 rates are by negotiation.) | 1.35% | Balances between $1,000 and $500,000 | every 2 months | | Fixed · 5 years (Interest rate is per annum. For deposits over $500,000 rates are by negotiation.) | 3.65% | Balances between $1,000 and $500,000 | every 5 years | | Fixed · 3 years (Interest rate is per annum. For deposits over $500,000 rates are by negotiation.) | 4.2% | Balances between $1,000 and $500,000 | every 3 years | | Fixed · 4 months (Interest rate is per annum. For deposits over $500,000 rates are by negotiation.) | 4.65% | Balances between $1,000 and $500,000 | every 4 months | | Fixed · 3 months (Interest rate is per annum. For deposits over $500,000 rates are by negotiation.) | 3.5% | Balances between $1,000 and $500,000 | every 3 months | | Fixed · 1 month (Interest rate is per annum. For deposits over $500,000 rates are by negotiation.) | 1.1% | Balances between $1,000 and $500,000 | monthly | | Fixed · 6 months (Interest rate is per annum. For deposits over $500,000 rates are by negotiation.) | 5% | Balances between $1,000 and $500,000 | every 6 months | | Fixed · 18 months (Interest rate is per annum. For deposits over $500,000 rates are by negotiation.) | 5% | Balances between $1,000 and $500,000 | every 18 months | | Fixed · 9 months (Interest rate is per annum. For deposits over $500,000 rates are by negotiation.) | 5.1% | Balances between $1,000 and $500,000 | every 9 months | | Fixed · 2 years (Interest rate is per annum. For deposits over $500,000 rates are by negotiation.) | 4.7% | Balances between $1,000 and $500,000 | every 2 years | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Early Redemption Break Cost — When a Term Savings deposit is redeemed prior to the maturity date, the interest paid on your account will be reduced based on how much notice is provided and how far through the term. Details on how this is calculated are available on request. | Exit | From $0.01 | | Early Redemption Adminstration Fee — This fee may apply when you request to redeem your deposit prior to the maturity date. A reduced Interest Rate applies in addition to this fee. | Exit | From $1.00 | | Access Fee — Charged monthly · The Access Fee is a flat monthly fee which entitles your membership to unlimited withdrawals via EFTPOS, ATMs, Internet, Phone and Mobile Banking. | Ongoing | $0.00 | | Bank Cheque Fee — Applies for each bank cheque you order from us. | Event | $11.00 | ## Features - **A guaranteed rate for terms from 1 to 60 months** - **Interest can be paid fortnightly, monthly, 12 monthly or at maturity.** - **Digital banking** (See account balances 24/7 wherever you are and whenever you want with RAB mobile and internet banking.) - **Combined balances of up to $250,000 per account holder are guaranteed and secured by the Australian Government.** ## Eligibility - **Residency status** — Australian Residents (Individuals must be citizens or permanent residents of Australia.) ## Constraints - **Maximum balance** — $500,000.00 (For deposits over $500,000 rates are by negotiation.) - **Opening balance** — $1,000.00 (A minimum $1,000 investment applies to this product.) - **Minimum balance** — $1,000.00 (A minimum $1,000 investment applies to this product.) ## More information from Regional Australia Bank - [Overview](https://www.regionalaustraliabank.com.au/personal/products/savings-accounts/term-savings) - [Terms & conditions](https://www.regionalaustraliabank.com.au/about-us/corporate-documents/product-terms-and-conditions) - [Eligibility](https://www.regionalaustraliabank.com.au/personal/products/savings-accounts/term-savings) - [Fees & pricing](https://www.regionalaustraliabank.com.au/personal/products/savings-accounts/term-savings) ## Data provenance - Published by Regional Australia Bank under the Consumer Data Right - Product ID: `dea3dd4f-eeb8-4b11-9ee1-9c842d389890` - Last updated by the provider: 26 June 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890 - Provider page: https://www.cdrcompare.au/brands/regional-australia-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000023 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/regional-australia-bank/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890) — product data published by Australian data holders under the Consumer Data Right. 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