If you've got a large balance of $100,000 or more, make sure you look for a term deposit that can be opened for larger balances. Some term deposits are only for smaller deposits of $10,000, $25,000 or $50,000 max.
Here are a few of the best 12-month term deposit rates for balances over $100,000:
5% p.a. with Judo Bank.
4.95% p.a. with ING.
4.6% p.a. with Bank of Sydney.