Farm Management Deposit account (At Call)

CommBank

CDR officialNot listed in rate tables

A tax-effective investment that allows primary producers to set aside pre-tax income as a cash reserve for later years.

Product data

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Rates

Rate	Applies to	Source	Since
0.00%	Variable · $0–$1,000	CDR	1 Nov 2026
0.01%	Variable · $1,000–$30,000	CDR	1 Nov 2026
0.75%	Variable · $30,000–$100,000	CDR	1 Nov 2026
1.35%	Variable · $100,000 or more	CDR	1 Nov 2026

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Source

CDR officialConsumer Data Right product dataShow where this comes from

Fetched: 1 Nov 2026
URL: https://api.commbank.com.au/public/cds-au/v1/banking/products/cea8baa02cca4e0990372984db2b0bf2
Content hash: sha256 f898c2297070fbd95e8ea1f99907fcc2f69a091377878584bd8daeeb78f74697
Rule version: mapper@0.1.2

Consumer Data Right product dataev_cdr_f898c2297070fbd9_52d3234eShow details

Checked: 1 Nov 2026
URL: https://api.commbank.com.au/public/cds-au/v1/banking/products/cea8baa02cca4e0990372984db2b0bf2
Content hash: sha256 f898c2297070fbd95e8ea1f99907fcc2f69a091377878584bd8daeeb78f74697
Excerpt: —
Rule version: mapper@0.1.2

Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.

Fees

Fee	Type	Amount
Issue of transaction listing or Paper Statement Fee	Event	$2.50

Features and eligibility

Item	Value	Details
Other		Helps balance good and bad times, by allowing eligible customers to set aside their individual pre-tax income in good years as a cash reserve to withdraw from in less profitable years.
Other		Withdrawals and deposits are made by phoning your Relationship Manager, or visiting a branch of the Bank.
Other		When you select an At Call Deposit you will receive a standard variable interest rate. Interest is calculated daily and paid quarterly on the full balance when $1,000 or more is held in the account.
Digital banking		You will be able to renew the term of the Farm Management Deposit account at maturity, in NetBank and the CommBank app.
Other		Flexibility to choose between a fixed term and at call investment option
Other		$1,000.00 minimum ongoing balance in any individual FMD Account at any time.
Other		No account-keeping fees (standard government fees may apply).
Other		Funds held in a FMD account will be deducted from your assessable income in the year in which the deposit is made. Withdrawals are considered assessable income for that year's tax return. Keep in mind, deposits in the FMD account must be kept for at least 12 months to be eligible for tax benefits.
Eligibility: other		To be eligible for the scheme and to maintain FMD status, the account holder must be an individual primary producer (this can include the beneficiary of a trust, partner of a partnership, but not joint persons or companies) at the time when they open the account or make a deposit. Deposits must meet the criteria specified in the Income Tax Assessment Act 1997 and those outlined in the Terms and Conditions section of the Farm Management Deposit Accounts document. For further details on eligibility criteria refer to the Farm Management Deposits Law or visit the Department of Agriculture and Water Resources website at agriculture.gov.au. Account holders must also meet the FMD account eligibility criteria as set out by the ATO
Limit: max balance	800000.00
Limit: opening balance	1000.00

Rate history

Rate	From	To	Rate p.a.
Variable · $100,000 or more	1 Nov 2026	Current	1.35%
Variable · $1,000–$30,000	1 Nov 2026	Current	0.01%
Variable · $0–$1,000	1 Nov 2026	Current	0.00%
Variable · $30,000–$100,000	1 Nov 2026	Current	0.75%

Tag	Meaning	Effect
`purpose:special-purpose`	purpose:special-purpose
`special-purpose`	Reason this product is not ranked

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