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Term deposit va savings account Uc

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HISA (high-interest savings) lai suat khoang 5%/nam. Term deposit 12 thang khoang 4.8%. So sanh uu nhuoc diem de chon dung cho muc tieu tiet kiem.

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Mục lục bài viết

Lai suat cao nhat lich su sau nhieu nam — day la thoi diem tot de tiet kiem tich cuc.

HISA linh dong hon, term deposit lai suat on dinh hon nhung khong rut truoc han.

Tóm tắt nhanh

  • HISA: ~5% p.a., rut bat cu luc nao.
  • Term deposit: ~4.8% (12 thang), khoa tien trong ky han.
  • ING Savings Maximiser, Macquarie Savings: lai cao nhat hien tai.
  • Tien gui duoc bao ve $250.000/ngan hang qua APRA.

HISA vs Term Deposit: chon loai nao?

  • HISA linh dong: Rut bat cu luc nao, lai co the thay doi
  • Term deposit: Lai co dinh, bi phat neu rut som
  • Khi nao chon TD: Co tien nhan roi, khong can trong 6–12 thang
  • Khi nao chon HISA: Can linh dong, tich luy dan

Ngan hang nao lai cao nhat 2026?

  • ING Savings Maximiser: ~5.5% (co dieu kien)
  • Macquarie Savings: ~5.35% (4 thang dau)
  • Ubank Save: ~5% (khong dieu kien phuc tap)
  • CBA Goal Saver / NetBank Saver: 4.9–5.1%

Câu hỏi thường gặp

Tien gui Uc co duoc bao dam khong?

Co. APRA bao dam $250.000/nguoi/ngan hang qua Financial Claims Scheme (FCS).

Term deposit rut truoc han bi mat gi?

Bi phat phi break fee va co the nhan lai suat thap hon da thoa thuan.

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