Dnister savings account and term deposit rates

Dnister Ukrainian Credit Co-operative Limited · Credit union

Dnister's best ongoing savings rate is 5.25% p.a. on Max Saver, in months when you meet its bonus conditions. Its best term deposit pays 5.55% p.a. for 12 months on $1,000 or more.

Verified 4 Nov 2026

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Key facts

Top savings rate: 5.25% p.a.
Introductory rate: 5.35% p.a. for 1 months
Best term deposit: 5.55% p.a. for 12 months
Minimum term deposit: $1,000
Deposit protection: $250,000 per account holder

What would your money earn at Dnister?

Type any amount and pick an account. Estimates are before tax and assume the rate stays the same.

Amount

Try

Account

Fixed for the term. From $1,000.

Interest over 12 months

$1,388

5.55% p.a., interest paid at maturity.

Dnister 12-month term deposit$1,388

Bank Australia Term Deposit, 5.60% p.a.$1,400

That is $12 less than the best 12-month term deposit in Australia would pay on the same amount.

See what your own balance actually earned

Dnister rates

Every rate is variable. Bonus rates show as the total you earn, with the base and bonus parts underneath.

Max Saver

Bonus savings account

Any age

5.35%p.a.

Intro rate for 1 months, then 5.25% p.a.

To earn the bonus each month

To earn the Bonus Rate deposit $1,500 per month, withdraw up to $1,000 per month (maximum 4 withdrawals per month).

Bonus Saver

Bonus savings account

Any age

5.15%p.a.

0.05% base + 5.10% bonus

To earn the bonus each month

Deposit $20.00 per month with no withdrawals to earn the Bonus Rate.

iSaver

Savings account, no monthly conditions

Any age

3.15%p.a.

Intro rate for 3 months, then 0.00% p.a.

Enjoy the freedom of online banking to save at a higher rate of return even if you spend.

Pensioner Savings

For retirees and pensioners

Any age

2.90%p.a.

No monthly conditions

Everyday account tailored for Seniors.

Term Deposit

Term Deposit rates, interest paid at maturity
Term	$1,000 to $1,000,000
1 month	1.65%
2 months	1.90%
3 monthsStand-out term	5.10%
4 months	4.50%
5 months	4.50%
6 monthsStand-out term	5.30%
7 months	4.60%
8 months	4.65%
9 months	4.70%
10 months	4.75%
11 months	4.80%
12 monthsBest rate	5.55%
18 months	5.20%
2 years	5.00%

Interest paid at maturity. New term deposits start at $1,000.

Compare 12-month term deposits at every bank in Australia

How Dnister compares with other banks in Australia

Every bank we track in Australia, ranked by its best ongoing savings rate, with its 12-month term deposit. Verified 4 Nov 2026.

Savings and 12-month term deposit rates at every bank in Australia, 4 Nov 2026
#	Bank	Top savings rate	12-month term deposit
1	RACQ Bank	6.01% p.a.Bonus Saver Account, monthly conditions	5.35% p.a.Term Deposit
2	MoveBank	5.75% p.a.Growth Saver, monthly conditions	5.35% p.a.Term Deposit
3	ING	5.75% p.a.Savings Maximiser, monthly conditions	5.30% p.a.Personal Term Deposits
4	RARabobank	5.65% p.a.PremiumSaver, monthly conditions	5.25% p.a.Online Term Deposit
5	Judo Bank	5.60% p.a.Personal Savings Account, monthly conditions	5.45% p.a.Personal Term Deposits
6	QBANK	5.60% p.a.Intro Saver	5.05% p.a.Term Deposit
7	Up	5.60% p.a.Up Saver, monthly conditions	Not published
8	People First Bank	5.55% p.a.Dream Fund, monthly conditions	5.20% p.a.Term Deposit
9	AMP Bank	5.50% p.a.AMP Bank GO Save	5.55% p.a.AMP Bank GO Term Deposit
10	BCU Bank	5.50% p.a.Boss Saver, monthly conditions	5.30% p.a.Term Deposit
11	P&N Bank	5.50% p.a.Savvy Saver Account, monthly conditions	5.30% p.a.Term Deposit
12	GSGreat Southern Bank	5.50% p.a.Home Saver, monthly conditions	5.10% p.a.Platinum Plus Term Deposit
13	Bank of Melbourne	5.40% p.a.Incentive Saver, monthly conditions	4.75% p.a.Term Deposit
14	BankSA	5.40% p.a.Incentive Saver, monthly conditions	4.75% p.a.Term Deposit
15	St.George	5.40% p.a.Incentive Saver, monthly conditions	4.75% p.a.Term Deposit
16	Bank Australia	5.35% p.a.Bonus Saver, monthly conditions	5.60% p.a.Term Deposit
17	Suncorp Bank	5.35% p.a.Growth Saver Account, monthly conditions	5.40% p.a.Term Deposit
18	Australian Mutual Bank	5.35% p.a.Momentum Saver account, monthly conditions	5.35% p.a.Term Deposit
19	Firefighters Mutual Bank	5.35% p.a.Momentum Saver, monthly conditions	5.35% p.a.Term Deposit
20	Health Professionals Bank	5.35% p.a.Momentum Saver, monthly conditions	5.35% p.a.Term Deposit
21	Teachers Mutual Bank	5.35% p.a.Momentum Saver, monthly conditions	5.35% p.a.Term Deposit
22	UniBank	5.35% p.a.Momentum Saver, monthly conditions	5.35% p.a.Term Deposit
23	ANZ	5.35% p.a.ANZ Plus Growth Saver, monthly conditions	5.30% p.a.ANZ Advance Notice Term Deposit
24	Bankwest	5.35% p.a.Hero Saver, monthly conditions	5.30% p.a.Bankwest Term Deposit
25	Police Credit Union	5.35% p.a.Focus Saver Account, monthly conditions	4.00% p.a.Term Deposit
26	UBubank	5.35% p.a.Save account, monthly conditions	Not published
27	Bank First	5.30% p.a.First Home Bonus Saver Account, monthly conditions	5.50% p.a.Term Deposit
28	Hume Bank	5.30% p.a.Reward Saver, monthly conditions	5.40% p.a.Term Deposit
29	Bank of us	5.30% p.a.Save up, monthly conditions	5.30% p.a.Fixed Term Investment
30	Defence Bank	5.30% p.a.Max E Saver, monthly conditions	5.30% p.a.Term Deposit
31	Easy Street	5.30% p.a.Flex Saver	Not published
32	Virgin Money	5.30% p.a.Virgin Money Boost Saver, monthly conditions	Not published
33	Dnister	5.25% p.a.Max Saver, monthly conditions	5.55% p.a.Term Deposit
34	Macquarie	5.25% p.a.Macquarie Savings Account	5.40% p.a.Macquarie Term Deposit
35	BSBank of Sydney	5.25% p.a.BOS Saver	5.30% p.a.Term Deposit
36	CommBank	5.25% p.a.GoalSaver, monthly conditions	5.30% p.a.Standard Term Deposit
37	NAB	5.25% p.a.NAB Reward Saver, monthly conditions	5.30% p.a.NAB Term Deposit
38	Westpac	5.25% p.a.Westpac Life, monthly conditions	5.30% p.a.Term Deposit
39	MyState Bank	5.25% p.a.Bonus Saver, monthly conditions	5.25% p.a.Regular Term Deposit
40	Regional Australia Bank	5.25% p.a.Savings Booster Account, monthly conditions	5.25% p.a.Term Savings
41	bankWAW	5.20% p.a.WAW Bonus Saver, monthly conditions	5.35% p.a.Limited Offer Term Deposit
42	Southern Cross Credit Union	5.20% p.a.Star Saver, monthly conditions	5.30% p.a.Term Deposit
43	Australian Military Bank	5.10% p.a.Online Saver, monthly conditions	5.40% p.a.Teen Plus Term Deposit
44	BOQ	5.00% p.a.Simple Saver Account	5.40% p.a.myBOQ Term Deposit
45	TCThe Capricornian	5.00% p.a.Bonus Saver Account, monthly conditions	5.20% p.a.Term Deposit
46	Bendigo Bank	5.00% p.a.Bendigo Reward Saver, monthly conditions	4.90% p.a.Standard Term Deposit
47	Beyond Bank	4.90% p.a.Purple Bonus Saver, monthly conditions	4.90% p.a.Term Deposit
48	WTWoolworths Team Bank	4.90% p.a.Bonus Saver Account, monthly conditions	4.00% p.a.Term Deposit
49	Unity Bank	4.85% p.a.Bonus Saver Account, monthly conditions	5.50% p.a.Term Deposit
50	Goulburn Murray Credit Union	4.80% p.a.Advantage Saver, monthly conditions	5.15% p.a.Fixed Term Deposit
51	Border Bank	4.80% p.a.Bonus Saver Account, monthly conditions	5.00% p.a.Term Deposit
52	Police Bank	4.80% p.a.Bonus Saver Account, monthly conditions	5.00% p.a.Term Deposit
53	Summerland Bank	4.75% p.a.Bonus Saver, monthly conditions	5.25% p.a.Fixed Term Deposit
54	Community First Bank	4.60% p.a.Goal Saver, monthly conditions	5.60% p.a.Term Deposit Special
55	ME Bank	4.60% p.a.SaveME, monthly conditions	5.50% p.a.ME Go Term Deposit
56	Bank Orange	4.60% p.a.Online Saver	5.35% p.a.Fixed Term Deposit Wealth Builder
57	Gateway Bank	4.60% p.a.Goal Saver, monthly conditions	Not published
58	Heartland Bank	4.55% p.a.MySavings account	5.55% p.a.Term Deposit
59	Queensland Country Bank	4.55% p.a.Bonus Saver, monthly conditions	5.30% p.a.Fixed Term Deposit
60	BNK Bank	4.50% p.a.Cash Management Account	5.40% p.a.Stow It Term Deposit Account
61	Alex Bank	4.50% p.a.Savings	5.30% p.a.Term Deposit - Direct
62	GBGreater Bank	4.25% p.a.Bonus Saver	5.40% p.a.Term Investment
63	The Mutual Bank	4.25% p.a.Bonus Saver, monthly conditions	5.30% p.a.Term Deposit
64	LCLaboratories Credit Union	4.01% p.a.Savvy Saver, monthly conditions	4.60% p.a.Fixed Term Deposit
65	NINorthern Inland Credit Union	4.00% p.a.Bonus Saver, monthly conditions	4.90% p.a.Term Deposit
66	Credit Union SA	3.75% p.a.Bonus Savings Account, monthly conditions	5.30% p.a.Term Deposit
67	ABAuswide Bank	3.56% p.a.Bonus Plus Saver, monthly conditions	5.25% p.a.National Seniors Term Deposit
68	FOFirst Option Bank	3.55% p.a.Save Account	5.50% p.a.Fixed Term Deposit
69	BOQ Specialist	3.50% p.a.Private Access Account	5.35% p.a.Term Deposit
70	FSFire Service Credit Union	3.50% p.a.High Interest	4.50% p.a.Fixed Term Deposit
71	IMB Bank	3.45% p.a.Reward Saver Account, monthly conditions	5.30% p.a.Term Deposit
72	Horizon Bank	3.25% p.a.Horizon Direct	5.10% p.a.Term Deposit
73	Darling Downs Bank	3.15% p.a.Cash Manager Online	5.40% p.a.Fixed Term Deposits
74	Coastline Bank	3.00% p.a.Coastline Savings Account	5.05% p.a.Gold Member Fixed Term Deposit
75	Arab Bank Australia	3.00% p.a.Personal Online Savings Account	3.40% p.a.Fixed Term Deposit - Personal
76	Revolut	3.00% p.a.Revolut Instant Access Savings	Not published
77	Cairns Bank	2.75% p.a.Online Saver account	5.00% p.a.Term Deposit
78	Transport Mutual Credit Union	2.25% p.a.Premium Savers Account	3.25% p.a.Term Deposit
79	The Mac	2.00% p.a.eSaver	5.20% p.a.Mini Mac Term Deposit
80	SWSbank	2.00% p.a.Online Saver	5.00% p.a.Term Deposit
81	Broken Hill Bank	1.70% p.a.eCall Savings Account	5.00% p.a.Fixed Term Deposit

Who can open them, and how safe is the money?

Who can open each account

Max Saver: Any age
Bonus Saver: Any age
iSaver: Any age
Pensioner Savings: Any age
Term Deposit: Any age, from $1,000

Is my money protected?

The Australian Government's Financial Claims Scheme covers deposits at Dnister up to $250,000 per account holder.

Questions about Dnister savings and term deposits

What is Dnister's highest savings rate?

Max Saver, at 5.25% p.a. on 4 Nov 2026: a 0.05% p.a. base rate plus a 5.20% p.a. bonus. To earn the Bonus Rate deposit $1,500 per month, withdraw up to $1,000 per month (maximum 4 withdrawals per month). A month that misses the conditions earns 0.05% p.a.

What is the Dnister 12-month term deposit rate?

5.55% p.a. on new deposits of $1,000 or more, with interest paid at maturity.

Which Dnister term deposit term pays the most?

12 months, at 5.55% p.a. with interest paid at maturity, on 4 Nov 2026.

Does Max Saver have an introductory rate?

Yes. Max Saver earns 5.35% p.a. for the first 1 months, made up of the 5.25% p.a. ongoing rate plus a 0.10% p.a. introductory margin. After that it earns 5.25% p.a.

Is my money safe with Dnister?

Deposits at Dnister are covered by the Australian Government's Financial Claims Scheme up to $250,000 per account holder.

Where do these rates come from?

From the product details Dnister publishes under the Consumer Data Right, which Woodo checks every day. We last verified them on 4 Nov 2026. Dnister does not pay Woodo, and no payment can change the order of any list.

Community

Dnister savers will soon be able to report whether their bonus rate paid out each month, and ask other savers questions.

Other banks in Australia

RACQ BankSavings 6.01% p.a.12-month 5.35% p.a.
INGSavings 5.75% p.a.12-month 5.30% p.a.
MoveBankSavings 5.75% p.a.12-month 5.35% p.a.
RARabobankSavings 5.65% p.a.12-month 5.25% p.a.
UpSavings 5.60% p.a.12-month Not published
Judo BankSavings 5.60% p.a.12-month 5.45% p.a.

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