Term Deposit Rate (1-Year): methodology

What this metric measures

The rate banks pay on a $10,000 one-year term deposit, from the RBA's retail deposit rates.

Why it matters: What savers earn on cash is the other side of the interest-rate story, and a real return only if it beats inflation.

Source & provenance

Publisher

RBA Table F4 - Banks; 1-year term deposit, $10,000

Update frequency

monthly

Licence

CC BY 4.0

How the score is computed

The score is a 0–100 normalisation of the latest observation, compared to a baseline window. The traffic-light rating (RAG) reflects both the absolute level and the recent trend.

Direction

Context-dependent

Trend window

24 months

Baseline

Last 10 years

{
  "neutral": true
}