10 Best Term Deposits in Australia for 2025: Maximize Your Returns
Check out fixed term investment options from top Australian institutions like Challenger, Bank of Sydney, Judo Bank and more. Personal and business solutions available.
Read about pros like competitive rates, flexible terms and digital banking. Cons like service fees, limited branch network and exposure to market and economic conditions.
Compare each institution’s offerings including sustainability, community focus and wealth management services to make informed decisions about your future and ensure your investments match your goals.
Challenger Fixed Term Annuities
In 2025 it’s all about securing a stable and predictable financial future. Fixed term annuities like Challenger’s have become popular for their ability to provide a consistent income over a set period.
If you’re considering investing $100,000, you need to know the returns, benefits, risks, regulatory oversight and examples of these annuities. This article will break it all down for you.
What are the returns on a $100,000 investment?
Challenger’s Fixed Term Annuities have a fixed return, so you get a consistent income for the chosen term. This removes the uncertainty of market volatility, making it a great option for risk averse investors.
The interest rate is fixed at the time of investment and returns are guaranteed if the annuity is held to maturity. For example if you choose a 5 year term with annual payments, your earning rate will be locked in at the start of the term.
Challenger’s rates may vary depending on market conditions but are competitive in the market. By locking in your returns you can plan your finances with confidence knowing your income stream is secure.
Challenger Fixed Term Annuities Key Features
Guaranteed Fixed Returns
The biggest benefit of Challenger’s fixed term annuities is the guaranteed return. Your investment’s income is not affected by external economic factors so you have financial certainty in a volatile market.
Flexible Investment Terms and Payment Options
Challenger has investment terms from 1 year to 50 years. You can also choose your payment frequency to suit your needs, monthly, quarterly, half yearly or annual.
No Hidden Fees
Unlike many investment products that have fees, Challenger doesn’t charge any product fees or admin fees for their fixed term annuities. So your full investment goes towards returns.
Access to Funds in Emergencies
Fixed term annuities are designed to be held to maturity but life is unpredictable. Challenger offers flexibility by allowing early access to your investment in certain circumstances.
However this may be subject to penalties which should be considered before withdrawing funds early.
Beneficiary Protection
For peace of mind Challenger allows you to nominate beneficiaries. In the event of your passing these beneficiaries can receive the remaining payments or the residual value of your investment.
What are the risks of investing in fixed term annuities?
Penalties for Early Withdrawal
Early withdrawal of funds may incur penalties. These penalties will reduce the overall return on your investment.
In the event of death before the term ends your estate may receive less than the original investment depending on the terms.
Regulatory Changes
Government policy changes can affect fixed term annuities. While this risk is low it’s good to stay informed of any legislative changes that may impact your investment.
Inflation Risk
Fixed annuities provide a steady income but the income may lose purchasing power over time due to inflation.
Challenger mitigates this risk by offering an option to index the payments to the Consumer Price Index (CPI) or a fixed percentage of up to 5% per annum. However this feature may reduce the initial payout rate.
Provider Financial Strength
As with any financial product there is a risk the issuing company could become insolvent.
Challenger Life Company Limited is regulated by the Life Insurance Act and must meet strict capital adequacy requirements.
APRA regulates these requirements, so Challenger has to hold sufficient reserves to meet its obligations.
How is Challenger regulated?
Challenger Life Company Limited is regulated by APRA. APRA requires life insurance companies, including those that offer annuities, to hold adequate capital and solvency levels to meet their obligations to investors.
This regulatory framework is designed to protect investors and the financial system. Challenger also adheres to prudential standards that require them to stress test their financial position.
This includes stress testing for adverse economic scenarios, an extra layer of protection for investors.
$100,000 Investment Scenarios
To help you understand how a $100,000 Challenger Fixed Term Annuity works, here are some scenarios:
Scenario 1: Full Principal Back at End of Term
In this option you receive annual interest payments throughout the term and at the end of the 5 year term you receive the full $100,000 principal. This is for those who want to keep their original investment and get a steady income.
Scenario 2: Partial Principal Throughout the Term
In this option you receive a portion of your original investment as part of your regular payments and the balance at the end of the term.
For example you might receive 50% of your original investment as part of your regular income and the other 50% at maturity. This is for those who want liquidity and capital preservation.
Scenario 3: Full Principal Throughout the Term
In this scenario your $100,000 principal is spread across your income payments throughout the term. At the end of the 5 year term there is no residual value. This option is for those who want immediate income over principal preservation.
Why Challenger?
Challenger has been a fixed term annuity provider in Australia for many years. Their transparency, flexibility and regulatory compliance makes them a popular choice for many investors looking for stability and security.
By offering competitive rates, multiple payment options and APRA’s oversight Challenger’s products suit a wide range of financial needs.
Things to Consider Before Investing in Fixed Term Annuities
Before you invest $100,000 in a Challenger Fixed Term Annuity you should consider your financial goals, risk tolerance and income needs.
Here are some things to think about:
Define Your Goals
Are you looking for long term income stability or do you need liquidity for other investments?
Knowing your objectives will help you choose the right term and payment option.Inflation Protection
If preserving purchasing power is important consider indexing your payments to inflation.
But be prepared for slightly lower initial returns.Withdrawal Flexibility
Make sure you are comfortable with the early withdrawal penalties.
Fixed term annuities are best for those who can lock in for the full term.See a Financial Adviser
A financial adviser can help you determine if a Challenger Fixed Term Annuity is part of your overall investment plan.
Is a Challenger Fixed Term Annuity for You?
Invest $100,000 in a Challenger Fixed Term Annuity and get stability, flexibility and certainty.
With multiple term lengths, payment options and inflation protection features these annuities suit different financial needs and goals. But like any investment they come with risks that need to be considered.
Challenger’s APRA oversight and transparency and customer centric approach makes them a safe pair of hands for your financial future.
By understanding the benefits and risks, seeing a financial adviser and staying up to date with current rates and market conditions you can make an informed decision for your long term financial happiness.
Bank of Sydney: At a Glance
In 2025 choosing the right bank is key to managing your finances. The Bank of Sydney offers a range of services for personal and business needs so you can make strategic financial decisions.
With savings and investment options to borrowing solutions understanding the bank’s full offering means you can make informed long term decisions for your individual needs and goals.
Bank of Sydney Benefits
Customised Solutions: The bank has products for everyday banking and more complex services like mortgages and investment advice.
Competitive Rates: Competitive interest rates on savings and loans means financial benefits for customers.
Digital Banking: Mobile apps and online banking means customers can manage their finances from anywhere, perfect for tech lovers.
Community Focus: The bank is involved in local initiatives so you feel part of the community.
Great Customer Service: Customers have access to advisors online and in-branch.
Bank of Sydney Risks
Limited Branches: Fewer branches than the big banks means those who like to visit a branch may be impacted.
Service Fees: Some accounts have fees that will eat into your returns.
Market Risk: Investment products are exposed to market volatility which will impact returns.
Lending Restrictions: Regulatory changes may mean tighter loan terms or reduced availability.
Global Exposure: Like all banks global economic changes will impact rates and operations.
Bank of Sydney?
Bank of Sydney has customised products, competitive rates and community focus so it’s a safe choice. But consider the limited branch network and market exposure before you decide.
Challenger
In 2025 choosing the right financial services provider is key to managing your wealth and long term investments. Challenger is a major player with specialist services for individuals looking to optimise their savings and retirement plans.
Challenger has annuities, investment solutions and superannuation services focused on security and growth. Understanding their offering means you can make informed long term decisions for retirement and wealth management in 2025.
Challenger Benefits
Customised Investment Products: Challenger has income based investment products like annuities and managed funds so they can offer clients customised solutions for their financial future.
Competitive Returns: Challenger is known for its consistent and competitive returns in the retirement and investment space. Clients can expect reliability and stability.
Expertise: With decades of experience in financial management Challenger has deep expertise to help clients navigate complex retirement and investment decisions.
Digital: Challenger has digital platforms so clients can access their accounts and manage their investments from anywhere. Perfect for the modern investor.
Stable Reputation: Challenger is known for stability so clients can have confidence with conservative risk strategies for long term growth.
Challenger Risks
Limited Product Range: Challenger’s services are mainly focused on retirement products so may not be suitable for investors looking for a broader financial offering.
Service Fees: Fees on annuities and managed investment funds will eat into long term returns so make sure you review the costs.
Market Risk: Economic changes will impact returns on Challenger’s investment products so there’s market risk for clients.
Liquidity Risk: Some investment products offered by Challenger may have low liquidity so investors can’t access their funds quickly.
Regulatory Risk: Financial products are impacted by regulatory changes so returns or availability may be affected.
Why Challenger?
Challenger has reliable income focused solutions with decades of experience so if you’re looking for retirement planning or annuity products. But you should weigh the risks including higher fees and market volatility before you commit.
Judo Bank
In 2025 choosing the right banking partner is key to achieving your financial goals especially if you’re a business looking for customised financial solutions. Judo Bank is a business focused lender dedicated to helping Australian businesses with specialist banking services.
Judo Bank is all about relationship based banking so understanding their offering means businesses can get the capital and tools they need to grow and succeed.
Judo Bank Benefits
Customised Business Lending: Judo Bank has personalised loans so businesses can get funding based on their individual needs and industry.
Customer Focused: Relationship banking means clients get dedicated advisors who know their business and are hands on throughout the journey.
Flexible Lending: Term loans, lines of credit and equipment finance Judo Bank has options for all sizes and industries of business.
Industry Expertise: Focused on small and medium enterprises (SMEs) means Judo Bank has market specific knowledge and solutions so you get a strategic partner for growth.
Competitive Rates: Judo Bank has competitive interest rates on its lending products so you can manage your costs better.
Judo Bank Risks
Limited Scope: Judo Bank is business lending only so may not be suitable for personal banking.
Interest Rate Risk: Business loans are rate sensitive so repayment amounts will change.
Eligibility: Strict lending criteria means businesses with lower credit ratings may not get access to funds.
No Physical Branches: As a digital bank its physical presence is limited so may not be suitable for customers who want in person services.
Regulatory Risk: Changes to lending policies or market regulations will impact loan terms and availability.
Why Judo Bank?
Judo Bank has personalised business lending, competitive rates and a focus on SME growth. But you should consider limited personal banking and interest rate risk when you decide.
G&C Mutual Bank
In 2025 choosing the right financial partner is key to managing your money. G&C Mutual Bank has personalised services for individuals and businesses so you can make informed decisions.
With a wide range of products including savings, lending and investment solutions understanding G&C Mutual Bank’s offering means you can achieve financial stability and long term success.
G&C Mutual Bank Benefits
Customised Products: G&C Mutual Bank has everyday accounts to home loans and wealth management services.
Competitive Rates: (gcmutual.bank)
Digital Services: Online and mobile banking
Member Focused: Customer owned bank so members come first not shareholders
Support: In-branch and online staff
G&C Mutual Bank Risks
Branches: Fewer physical branches means some customers may not have in person access.
Account Fees: Some accounts and services may have fees so you get less back and overall value of your financial arrangements decreases over time.
Market Risk: Investment linked products are market sensitive so performance and returns will change.
Loan Conditions: Regulatory changes and economic shifts will mean tighter lending criteria so loans may not be available or terms may change for customers.
Economic Exposure: Global economic changes will impact interest rates, lending and overall banking so the bank’s performance and your experience will be affected.
Why Australian Unity?
Australian Unity has customer focused services, competitive rates and digital tools so it’s a good choice. Consider the branch network and market risks when you decide.
Australian Unity
In 2025 choosing the right financial and health partner is key to overall wellbeing and stability. Australian Unity has integrated services across banking, health and community so you get tailored solutions.
With banking products, health insurance and aged care services Australian Unity helps individuals and families make informed decisions for financial security and overall quality of life.
Australian Unity Benefits
All in One: Australian Unity has financial products, health insurance and aged care so you can manage multiple services in one place.
Customised Solutions: Personalised banking and health plans for different needs so families and individuals get strategic support.
Health Insurance Expertise: Wide range of cover options so you get the right health support, flexible plans and competitive premiums.
Community Wellbeing: Australian Unity has social initiatives so it’s a community focused organisation.
Customer Focused: Australian Unity puts customers first so you get support from dedicated staff and online channels.
Australian Unity Risks
Higher Premiums: Some health plans and services may be more expensive than others.
Regional Access: Some services may not be available in all areas so customers in rural or remote areas may be impacted.
Market Volatility: Economic changes will impact investment and financial products so returns will vary. Customers should consider this before making long term decisions.
Policy Restrictions: Health insurance plans may have claim limits or exclusions so may not be as flexible or useful as you need for your health needs.
Interconnected Services: Integrated offerings may have longer processing times for services.
Why Great Southern Bank?
Great Southern Bank has integrated financial and health solutions and is community focused. Personalised services are good for life management but consider the cost and accessibility before you decide.
Great Southern Bank
In 2025 choosing a bank that matches your financial goals is key. Great Southern Bank has a range of services for personal and business financial needs.
From everyday accounts to lending and investment options the bank has flexible solutions to support informed financial planning and decision making for individual or business goals.
Great Southern Bank Benefits
Customised Products: The bank has personalised banking products including home loans, savings accounts and insurance services for different financial needs.
Competitive Rates: Known for competitive interest rates on home loans and savings products (greatsouthernbank.com.au)
Digital Services: Modern and user-friendly digital banking tools so customers can manage their accounts, make payments and monitor their finances from anywhere.
Sustainability: The bank is committed to environmental and social responsibility and supports green initiatives and community programs.
Customer Support: Dedicated and accessible customer service so customers have a smooth experience across digital and in branch.
Great Southern Bank Risks
Limited Branches: The bank has fewer branches than larger national banks so if you need face to face services you may be impacted.
Service Fees: Some accounts and services may have fees that eat into your returns.
Market Exposure: Lending and investment products are exposed to market changes that can affect interest rates or returns.
Loan Terms: Changes in regulations can lead to changes in loan policies or tighter eligibility criteria.
Digital Dependence: Customers not familiar with online banking may struggle to use the digital platforms.
Why HSBC?
HSBC has competitive rates, sustainability focus and personalised products for different financial needs. But customers should consider the branch network and service fees before you decide.
HSBC
In 2025 choosing the right bank is key to managing your finances. HSBC delivers a wide range of services for personal, business and global banking needs to help you achieve your financial goals.
With savings accounts, investment products, loans and international banking solutions HSBC’s offerings help customers make informed long term financial decisions for their individual goals and circumstances.
HSBC Benefits
Global Presence: HSBC operates in over 60 countries so international banking solutions for global travellers, businesses and expats.
Multiple Products: From savings accounts to global investment opportunities HSBC has financial tools for different needs.
Premier Banking: Customised wealth management solutions and expert advice for high net worth individuals to grow and protect their wealth.
Digital Banking: The HSBC mobile app offers advanced features including international transfers and financial tracking.
Sustainability: HSBC supports green initiatives so clients can align their finances with their environmental and social goals.
HSBC Risks
Complex Fees: Some accounts and services have complicated fees that can eat into your returns.
Loan Eligibility: HSBC’s lending criteria is strict so some customers may not be eligible for credit.
Global Exposure: As a global bank HSBC’s operations can be impacted by international economic fluctuations.
Limited Country Branches: HSBC’s physical presence is mainly in urban areas so rural customers may struggle to get face to face services.
Service Wait Times: High demand for global services can sometimes lead to delays especially for international transactions.
Why Qudos Bank?
HSBC has global reach, multiple products and advanced digital solutions so it’s great for international banking and investment. Check the fees and branch locations before you decide.
Qudos Bank
In 2025 choosing the right bank for your needs is key to financial stability and growth. Qudos Bank offers a broad range of services for personal and business needs to help you on your financial journey.
Qudos Bank has savings, investment, loans and insurance to help customers make informed financial decisions. It’s a one stop shop for those who want multiple solutions in one place.
Qudos Bank Benefits
Customised Solutions: Qudos Bank has products for personal and business needs such as home loans, personal loans and flexible savings accounts.
Competitive Rates: Qudos Bank is known for its competitive interest rates on savings and loans so customers can get more out of their money.
Digital Banking: Qudos Bank’s app and online banking gives customers digital access anywhere, anytime to manage their finances.
Community Focus: The bank gives back to the community by supporting local initiatives for its members.
Customer Centric Support: The bank is known for its strong customer support across online and limited branch network.
Qudos Bank Risks
Limited Branches: While Qudos Bank has great digital services its branch network is smaller than the big banks so may not be convenient for those who prefer face to face services.
Fees: Some products and services may have fees that can eat into your returns.
Economic Sensitivity: Like all banks Qudos Bank is exposed to economic factors that can impact its investment products.
Loan Limitations: Economic or regulatory changes can affect loan terms or availability so borrowers may have limited options.
Market Volatility: Qudos Bank’s financial products especially investments are exposed to global economic changes that can impact their returns.
Why Qudos Bank?
Qudos Bank’s customised solutions, competitive rates and community focus makes it a good option for many. But consider the limited branch network and market risks before you decide for your needs.
FAQs
Are term deposits good in 2025?
Term deposits are guaranteed returns with low risk so good for conservative investors in 2025. They provide a steady income and protect your principal.
However low returns compared to other investment options like shares or property may limit growth. You need to assess your financial goals.
For investors who want safety and liquidity term deposits are good. But they may not beat inflation or give high growth. Weigh the risks, returns and investment strategy before you consider term deposits.
How do term deposit rates compare across Australian banks in 2025?
Australian banks have different term deposit rates in 2025, bigger banks have lower rates due to higher capital reserves. Smaller banks and online platforms have more competitive rates.
Online-only banks have higher rates than traditional banks as they use cost savings to attract depositors. Customers should compare across banks to get the best returns.
Term deposit rates also vary by term and amount. Those who lock in more or longer can get better rates for higher returns.
How to invest in term deposits safely in Australia?
The safest way to invest in term deposits is to choose Australian banks that are insured under the Financial Claims Scheme, which has government backing for deposits up to $250,000 per person.
Choose highly rated banks or credit unions adds an extra layer of security. Compare institutions to find a safe and profitable term deposit.
Go for competitive rates and reasonable terms and best customer service so your investment is secure and easily accessible if needed before maturity, balance safety with returns.
Can you negotiate term deposit rates with banks?
Banks in Australia may allow some negotiation on term deposit rates especially for bigger deposit amounts or longer terms. However negotiation is often dependent on the bank’s policy and market conditions.
Customers with good banking relationship or who are committing large sums for longer period may get better rates. Talk to bank representatives to see if they can customise for you.
But negotiation is usually limited to specific situation. Shopping around or using online platforms may give you more flexible rate options if you’re willing to switch providers.
What affects term deposit interest rates in 2025?
Term deposit interest rates in 2025 are influenced by the Reserve Bank of Australia’s cash rate, inflation and broader economic conditions. As rates go up term deposits follow.
Market competition among banks also affects the rates offered. For example smaller banks or new entrants may offer better deals to attract customers. Customer demand and financial flows are another factor.
Also the interest rate environment globally and locally plays a role. When economic conditions change or central banks adjust their policies deposit rates will follow and impact your investment strategy.
How does inflation affect term deposit returns in 2025?
Inflation reduces the purchasing power of term deposit returns in 2025. If inflation goes up faster than the interest rate, the effective return becomes negative in real terms.
Higher inflation eats away the real value of fixed interest investments. So term deposit holders may not be able to keep up with rising living costs.
Investors should consider term deposits as part of a broader portfolio to hedge against inflation risk. Look at inflation adjusted investments like bonds, stocks or commodities to protect your savings from inflation’s impact.
12 month term deposit rates in Australia for 2025?
In 2025 the best 12 month term deposit rates in Australia are offered by smaller banks, credit unions and online only banks which have more competitive rates than the traditional banks.
Rates for 12 month term deposits vary depending on deposit amount and institution. Online banks may offer higher rates because of lower operational costs.
Compare offers and take note of promotional deals or loyalty benefits from your existing bank. Websites with rate comparison tools can help you find the best 12 month deals available.
Short term or long term deposit in 2025?
Choosing between short term or long term deposit in 2025 depends on your goals. Short term deposits offer more liquidity and lower interest rate risk, perfect for conservative investors.
Long term deposits offer higher rates for those who are willing to lock in their funds. But they also expose investors to economic changes and interest rate changes.
Short term may suit flexible needs while long term is for those who want higher guaranteed returns over a longer period despite interest rate fluctuations and limited access to funds.
Are there hidden fees or penalties in term deposits in 2025?
Term deposits don’t have hidden fees but early withdrawal penalties do apply. These penalties may be losing some or all of the interest if you access your funds before maturity.
Some institutions charge fees for setting up or managing the account but these are generally disclosed upfront. Make sure to read the fine print and understand the terms when you open a term deposit.
In general term deposits are simple but restrictions on early withdrawal or accessing interest before maturity may limit flexibility and impact your financial planning and returns.
What is the minimum deposit for high interest term deposits in 2025?
The minimum deposit for high interest term deposits in 2025 is usually between $1,000 to $10,000 depending on the institution and term length. Larger deposits get better rates.
Some banks offer higher rates for deposit amounts above the minimum threshold to encourage savers to put in more funds. Compare offers from different banks to get the best returns for your funds.
Review the terms and fees before committing large amounts. In some cases adding a big deposit to a high interest term can give you higher returns overall over the term.
How do term deposit rates compare to savings accounts in 2025?
In 2025 term deposit rates beat savings accounts especially for longer terms. Savings accounts offer flexibility but at lower returns compared to fixed term investment options.
Savings accounts give liquidity and no penalties for withdrawals while term deposits lock your funds for a specific period for higher rates. The trade off between interest and flexibility depends on your savings goals.
Savings accounts have variable rates influenced by market conditions while term deposits have fixed rates for a set period so you can have predictable earnings which can be good when interest rates rise.
What is the difference between fixed rate and variable rate term deposit?
Fixed rate term deposit locks in the interest rate for the entire term so you have predictable returns. The rate remains the same regardless of market changes or economic fluctuations over time.
Variable rate term deposit has an interest rate that can change during the term based on market conditions. These can benefit from rate hikes but can get lower returns if rates fall.
Fixed rate term deposit is for those who want stability and certainty in returns while variable rate is for those who want flexibility if market conditions are favorable for higher rates.
Can retirees get better term deposit rates in Australia?
Retirees can get better term deposit rates especially if they have more funds to invest and want predictable and steady returns. Some banks have special packages for seniors.
Retirees can also negotiate higher rates based on the amount or term of the deposit especially with banks that prioritize senior customers for guaranteed returns.
Seniors should look for options that fit their retirement income strategy, consider liquidity needs, inflation protection and long term growth potential. Choosing the right term can give you steady financial support.
tax implications of term deposit earnings in 2025?
Term deposit earnings are taxable in Australia and are taxed at your standard income tax rates based on your total income including the interest from the term deposit. Tax rates may vary depending on your individual circumstances.
Interest earned on term deposits is assessable income and must be included in your tax return. Depending on your overall income you may be taxed at different rates on these earnings.
To minimize tax some investors use tax advantaged accounts or manage withdrawals and timing. Seeking professional tax advice can help you optimize your returns and ensure you are compliant with Australian tax laws.
Which Australian bank has the most flexible term deposit options in 2025?
Several Australian banks and credit unions offer flexible term deposit options in 2025 including online only banks known for high returns and innovative features like variable rate terms or partial withdrawals.
Credit unions, smaller banks and online banks tend to have more flexibility in terms of deposit amount, interest payment frequency and early withdrawal options compared to major banks with more rigid policies.
To find the most flexible term deposit options customers should compare features like maturity flexibility, penalty terms and if interest rates can be adjusted during the deposit period.
What happens if I withdraw early from term deposit?
Early withdrawals from a term deposit usually incur penalties which can mean losing some or all of the interest earned or part of the original deposit. These penalties vary by bank.
The severity of the penalty depends on the term of the deposit, some banks have lower penalties for early access especially if interest rates have fallen since the deposit.
Early withdrawal penalties can reduce the overall return so investors should consider their liquidity needs before committing to a fixed term deposit.
Do online only banks offer better term deposit rates in 2025?
Online only banks in 2025 generally offer better term deposit rates than traditional banks due to lower operating costs and can offer more competitive returns to their customers.
Many online platforms specialise in high interest rates for term deposits so are attractive to investors who want to maximise returns. The savings are passed on to the customer.
Online banks may not have physical branches but their digital offerings and higher rates make them a good option for customers who are comfortable with digital banking and not reliant on in-person services to manage their deposits.
Should I split my money across multiple term deposits?
Splitting your money across multiple term deposits is a smart way to diversify risk and have access to funds at different times. This is a balance of safety and flexibility.
Investing across different term lengths gives you options to access your funds without early withdrawal penalties. This gives you financial flexibility and still earn competitive returns.
However splitting your investments may reduce returns compared to putting a larger sum in a high interest deposit. Carefully consider your cash flow needs and investment goals to optimise your risk and reward.
OriginallyPublished: https://www.starinvestment.com.au/best-term-deposits-australia-2025-highest-returns/
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