The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.
We score each savings account in our database of hundreds based on a data-driven methodology with 2 main criteria: Does the account offer a high interest rate? And is it easy for savers to actually earn that rate?
Want more interest on your savings?
Compare now and find a better rate.
We assess multiple product features for transaction accounts from over 100 providers and assign each product a score out of 10.
Looking for a better bank account?
Compare everyday accounts and find one that works harder for you.
Finder Score assigns Term Deposit products a score out of 10, comparing interest rates and features, to make comparison easier. We assess over 150 products from more than 90 providers, assessing products across different terms to determine an average score per product.
Lock in a great rate
Compare term deposits to grow your savings with confidence.
The Gateway Bank Term Deposit was highly commended for Best Term Deposit (12 Months) in the 2026 Finder Awards.
Full list of 2026 winnersApplying online for a new bank account is fast and easy. You'll need identity documents such as your driving licence or passport. For more about the process, check out our full guide to opening an account online.
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I have 20700 to invest want best rate over 12 months int paid at end of term can you advise on where to invest have been looking at military bank at 5.15 is this good THANKS. GRAHAM
Hi Graham,
We have a page on term deposits that you might find useful to find the best 12-month rates.
I hope that helps.
Can a term deposit be in joint names and is there a limit $ on the government bank guarantee
Hi, yes term deposits can be held in joint names. The government guarantee covers $250k per person, per ADI. So If you had a joint account with 2 account holders, both account holders would be covered for up to $250k each.
Is your deposit of 250k into a fixed term deposit covered by the government bank guarantee?
Hi Lyndall,
Thanks for contacting Finder.
Yes it is covered under the bank guarantee.
Thanks
Raj
Are funds secured by Govt
Hi Jenny,
Yes, your deposit up to $250k is covered by the government bank guarantee.
Thanks,
Alison
A Will I be covered under the government guarantee?
Hi Roy,
Yes, your deposit up to $250k is protected under this scheme.
Thanks,
Alison