For Australian investors with $50k+

Where Australia's
HNW investors park cash.

Fixed rate investments paying above 6% p.a. — APRA & ASIC-regulated providers, sourced directly from the secondary market. Higher yields than the big four. Minimum $50,000.

Top 12-month rate · live
6.45%
p.a. FIXED +185 bps vs Big Four
24
Providers tracked
$50k
Minimum entry
See top rates How it works
APRA-regulated only
Refreshed monthly
Zero paid placements
Privacy Act 1988 compliant
→ Live comparison

Six rates. One filter.
Built for serious capital.

Sort by your investment size, term, and source of funds. Every provider is APRA or ASIC-licensed.

Showing 6 of 24 providers Sorted: Highest rate
★ Top Pick Secondary Bond Investment Grade
Rate 6.45%
Minimum $50k · No max
Return on $50k $3,225
Secondary Bond Investment Grade
Rate 6.30%
Minimum $50k · Max $2M
Return on $50k $3,150
Term Deposit FCS Protected
Rate 6.20%
Minimum $50k · No max
Return on $50k $3,100
Term Deposit FCS Protected
Rate 6.10%
Minimum $50k · Max $1M
Return on $50k $3,050
Term Deposit FCS Protected
Rate 6.05%
Minimum $50k · No max
Return on $50k $3,025
Term Deposit FCS Protected
Rate 6.00%
Minimum $50k · No max
Return on $50k $3,000
→ The basics

How to choose a fixed rate.

A short, practical guide for first-time savers and seasoned income investors.

01

Lock in when rates peak.

Australian deposit and bond rates move with the RBA cash rate. When markets price in cuts, locking long-term rates protects your return for the full term.

02

Match term to goals.

Shorter terms offer flexibility; longer terms typically pay higher. If you may need early access, factor in break-fee costs before committing.

03

Read past the headline rate.

Minimum investments, interest frequency and rollover terms all affect real return. Use the filter to compare on the criteria that matter to your situation.

04

Deposits vs bonds.

Term deposits pay reliable rates with FCS protection up to $250,000. Fixed rate bonds typically pay higher yields with additional credit risk. Both have a place in a diversified income portfolio.

→ Common questions

Frequently asked.

What Australian savers and investors ask most often before locking in.

What's the difference between a term deposit and a fixed rate bond?
A term deposit is held with an ADI (bank) and protected by the Government's Financial Claims Scheme up to $250,000. A fixed rate bond is a debt security issued by a company or institution — it pays a higher rate to reflect additional risk and is regulated by ASIC. Bonds in our comparison are investment-grade only.
Are my funds protected?
Term deposits with ADI-licensed providers are guaranteed up to $250,000 per account holder per institution under the Financial Claims Scheme. Fixed rate bonds are not covered by the FCS, but listed providers are investment-grade and APRA/ASIC-regulated. Always read the Product Disclosure Statement before investing.
Can I withdraw early?
Most term deposits require 31 days' notice for early withdrawal, and you may forfeit some or all of the interest earned. Fixed rate bonds may be sold on the secondary market subject to liquidity. Always check the specific provider's terms.
How is interest taxed?
Interest earned is treated as assessable income and must be declared in your annual tax return. We recommend consulting a tax adviser for guidance specific to your situation.
What happens after I submit my enquiry?
A specialist will contact you within one business hour with full details on the provider you selected — current rates, terms, and how to apply. There is no obligation to proceed.
Is this financial advice?
No. Fixed Rate Investor provides comparison information only, not financial product advice. The right product for you depends on your personal circumstances.

Stop letting the banks keep the spread.

The Big Four pay 4.60%. The market pays 6.45%. That's $9,250 more on $500k over a year.

See top rates now