APRA Regulated & Protected
Discover Australia's Leading Fixed Term Deposits
Secure your financial future with guaranteed returns. Compare premium institutions in seconds, not hours.
Secure fixed returns up to 9.25% P.A.
Lock in guaranteed returns with Australia's leading financial institutions
Compare APRA authorised term deposits
Only regulated Australian institutions with proven track records
Protected and insured deposits up to $250,000
Government-backed Financial Claims Scheme protection
Best compounded payment options
Choose monthly, quarterly, or annual payment schedules
Tax-Effective: state income taxes exemption
Maximise your after-tax returns with tax-efficient structures
Minimum investment from only $50,000
Access premium institutional rates with lower entry points
Compare Best Fixed Term Deposits On The Market In Seconds
Get Your Exclusive Rates Ready In 60 Seconds
Trusted by
50,000+ Investors
Protected up to
$250,000
Why Now Is The Best Time
Take advantage of historically high interest rates while they last
Peak Interest Rate Environment
Current rates at 8-year highs. Lock in premium returns before they decline.
Market Volatility Protection
Unlike stocks or crypto, your capital is guaranteed and protected by the government.
Time-Sensitive Opportunity
The RBA is expected to lower rates in 2025. Secure today's rates now.
Investment Products Compared
| Investment Type | Returns | Risk Level | Liquidity | Protection |
|---|---|---|---|---|
| ✓ Fixed Term Deposits | Up to 9.25% P.A. | Government Protected | Fixed Term | $250,000 Insured |
| Stocks & ETFs | Variable Returns | High Volatility | Immediate | No Protection |
| Savings Accounts | 2–3% P.A. | Very Low | Immediate | $250,000 Insured |
| Property Investment | Variable Returns | Market Dependent | Low | No Protection |
Trusted By Thousands of Australian Investors
See what our clients say about their experience
"I was skeptical at first, but Fixed Term Compare found me a 8.5% rate when my bank was only offering 4.2%. The team was professional and the whole process took less than a week."
Margaret Thompson
Sydney, NSW
$180,000
2 years
"Outstanding service! They compared dozens of institutions and found me rates I didn't even know existed. My portfolio is now earning significantly more with complete peace of mind."
David Chen
Melbourne, VIC
$250,000
3 years
"After retirement, I needed secure investments. Fixed Term Compare not only found excellent rates but explained everything clearly. I'm now earning 9.25% with full government protection."
Patricia Williams
Brisbane, QLD
$320,000
5 years
"I've used several comparison services, but none come close to the personalised attention and exclusive rates that Fixed Term Compare provides. Highly recommended for serious investors."
James Morrison
Perth, WA
$150,000
1 year
50,000+
Happy Investors
4.9/5
Average Rating
$2.5B+
Invested
Frequently Asked Questions
Everything you need to know about our comparison service
What is a fixed term deposit?
A fixed term deposit is a secure investment where you deposit funds with a financial institution for a specified period at a fixed interest rate. Your capital is guaranteed and protected by the Australian Government Financial Claims Scheme up to $250,000 per institution.
How are these rates higher than my bank offers?
We have access to wholesale and institutional rates that aren't typically available to retail customers. By partnering with multiple APRA-regulated institutions, we can negotiate better rates on behalf of our clients, often 2-3% higher than standard retail rates.
Is my money safe and protected?
Yes, absolutely. All institutions we work with are APRA-regulated and covered by the Australian Government's Financial Claims Scheme (FCS). This means your deposits are protected up to $250,000 per account holder per institution. We only work with established, regulated financial institutions.
What is the minimum investment amount?
The minimum investment starts at $50,000. This threshold allows you to access institutional rates that provide significantly better returns than standard retail savings accounts.
Can I withdraw my money early?
Fixed term deposits are designed to be held until maturity. Early withdrawal is possible but may result in reduced interest rates or penalties, depending on the institution and term. We always recommend choosing a term that aligns with your financial goals.
Are there any fees for your service?
Our comparison service is completely free for investors. We're compensated by the financial institutions for bringing them qualified investors, which means you get better rates with no cost to you.
What makes term deposits better than other investments right now?
With current rates at 8-year highs (up to 9.25% P.A.) and expectations of rate cuts in 2025, now is an optimal time to lock in guaranteed returns. Unlike stocks or property, your capital is protected and returns are guaranteed regardless of market conditions.
Can I split my investment across multiple institutions?
Yes, and we often recommend this strategy. By spreading your investment across multiple APRA-regulated institutions, you can maximize your FCS protection beyond $250,000 while still accessing premium rates.
What happens when my term deposit matures?
At maturity, you have several options: withdraw your funds plus interest, roll over into a new term deposit (possibly at different rates), or split your investment. We'll contact you before maturity to discuss the best options based on current market conditions.
Take Advantage of Current Market Rates
Interest rates are at decade highs. Every day you wait is money left on the table. Join 25,847+ smart investors who've already secured premium rates up to 9.25% P.A.
Average Setup: 24 Hours
$2.5M Protected
Up to 9.25% P.A. Available Now
✅ No obligation ✅ Instant comparison ✅ Dedicated adviser support
Fixed Term Compare deposit comparison service. We help investors secure the best guaranteed returns from APRA-regulated institutions.
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Important Notice: The information provided on this website is for general informational purposes only and does not constitute financial advice. Fixed Term Compare is a comparison service only. We recommend consulting with a licensed financial advisor before making any investment decisions. While fixed term deposits with APRA-regulated institutions are generally considered low-risk, all investments carry some level of risk. Interest rates are indicative and subject to change. The Australian Government's Financial Claims Scheme protects deposits up to $250,000 per account holder per ADI.