The majority of deposit-takers cut their term deposit and at-call rates in November, seemingly unaffected by the prospect that they might have to boost retail deposit inflows to make up for restricted access to wholesale markets.Infochoice figures show that more than 30 institutions cut their term deposit rates over the past month, in line with the movement in swap rates. Reductions in 90-day deposit rates were in the range of 10 to 25 basis points. Rates for 12-month terms fell by as much as 50 basis points.The top rate for a 90-day term deposit is 5.8 per cent, which is being offered by Citibank, MyState and Qantas Staff Credit Union. UBank is offering 5.76 per cent and Arab Bank, Bankwest and Rural Bank are all offering 5.75 per cent.Among the big banks, ANZ, NAB and Westpac are offering 5.5 per cent for 90 days, and Commonwealth is offering 5.4 per cent. The top rate for a 12-month term is 5.75 per cent, which is being offered by Big Sky Credit Union and Teachers Credit Union. Qantas Staff Credit Union is offering 5.7 per cent. First Choice Credit Union and Police Credit Union are both offering 5.6 per cent.Among the big banks, NAB and Westpac are offering 5.3 per cent for 12 months, Commonwealth is offering 5.2 per cent and ANZ is on 5.0 per cent.According to Infochoice, 55 institutions cut their at-call rates in November. While the majority cut their rates in line with the 25 basis point reduction in the cash rate, there were cuts of as much as 55 basis points.Westpac's newish Victorian brand, Bank of Melbourne, cut the rate on its 360 Online account by 55 basis points. UBank cut its USaver rate by 40 basis points and Citibank cut its Online Saver rate by 35 basis points.Virgin Money cut the introductory rate on Virgin Saver by 39 basis points and the base rate by 45 basis points.Hunter United Credit Union cut its Premium Online Investor Account rate by 30 basis points and ME Bank cut its Online Savings Account rate by the same amount.The top rate for an at-call account is 6.25 per cent, on IMB's Reward Saver Account. HSBC Serious Saver is paying 6.2 per cent, Virgin Money's Virgin Saver has a four-month introductory rate of 6.12, and UBank has a bonus rate of 6.11 per cent.Among the big banks, ANZ Online Saver is paying six per cent, Commonwealth Bank GoalSaver is paying 5.75 per cent, Westpac Reward Saver is on 5.75 per cent and NAB iSaver is paying 5.4 per cent.