★★★★★
"I was skeptical at first, but RateVault found me a 7.6% P.A. rate when my own bank was only offering 4.10%. The team was professional and the whole process took less than a week."
Margaret Thompson
Sydney, NSW
Secure your financial future with guaranteed returns. Compare premium Australian institutions in seconds.
Lock in guaranteed returns with Australia's leading financial institutions.
Only regulated Australian institutions with proven track records.
Financial Claims Scheme (FCS) protection for your deposits.
Choose monthly, quarterly, annual or at-maturity schedules.
Rates verified daily against institution websites — no promoted listings.
Compare entry-level deposits alongside premium institutional rates.
Take advantage of historically high interest rates while they last.
Current rates at multi-year highs. Lock in premium returns before they decline.
Unlike stocks or crypto, your capital is guaranteed and protected by the Government Guarantee.
Interest rates remain at attractive levels but may shift. Lock in today's premium rates before they change.
| Investment Type | Returns | Risk Level | Liquidity | Protection |
|---|---|---|---|---|
| Fixed Term Deposits | Up to 7.6% P.A. | Government Guaranteed | Fixed Term | $250,000 Guaranteed |
| Stocks & ETFs | Variable Returns | High Volatility | Immediate | No Protection |
| Savings Accounts | 2-3% P.A. | Very Low | Immediate | $250,000 Guaranteed |
| Property Investment | Variable Returns | Market Dependent | Low | No Protection |
We only compare APRA-regulated institutions covered by the Australian Government Guarantee Scheme.
Deposits protected up to $250,000 per person under the Financial Claims Scheme.
Learn about FCSAll institutions are authorised by APRA as Authorised Deposit-taking Institutions (ADIs).
Verify on APRA RegisterYour data is protected under the Australian Privacy Act 1988 and the Australian Privacy Principles.
View Privacy PolicyVisit APRA's ADI register to confirm an institution is authorised.
Check the Financial Claims Scheme to confirm your deposits are covered.
The Australian Financial Complaints Authority handles complaints about financial firms.
View the RBA website for information on Australia's financial system.
Important: RateVault is a comparison service only and does not provide financial advice or handle client funds. Our comparison service exclusively features institutions that are authorised and regulated by the Australian Prudential Regulation Authority (APRA) and covered by the Financial Claims Scheme (FCS), protecting eligible deposits up to $250,000 per account holder, per ADI. We recommend verifying an institution's regulatory status on the APRA Register before investing.
See what our clients say about their experience.
"I was skeptical at first, but RateVault found me a 7.6% P.A. rate when my own bank was only offering 4.10%. The team was professional and the whole process took less than a week."
"Outstanding service! They compared dozens of institutions and found me rates I didn’t even know existed. My portfolio is now earning significantly more with complete peace of mind."
"After retirement, I needed secure investments. RateVault not only found excellent rates but explained everything clearly. I’m now earning 5.05% with full Government Guarantee protection."
"I’ve used several comparison services, but none come close to the personalised attention and exclusive rates that RateVault provides. Highly recommended for serious investors."