Your email address: Email Us Get the Newsletter By continuing you agree to our Terms and Privacy PolicyCanstar provides daily updated deposit rates on almost all Australian banks accounts including term deposits, transaction accounts, and online savings accounts. As of last week, investors can earn up to 5.55 per cent a year on a 10-month term deposit with Defence Bank. The best overall returns are generally offered by the online accounts, and can’t be accessed by walking into your local branch. Unlike term deposits, both of these accounts are “at-call”, meaning you can access the money at any time. ADIs include all banks, building societies, credit unions and online banks operating under an Australian banking licence.