BOQ Specialist term deposit rates
11 terms published on 10 Oct 2026, best 5.30% for 12 months, from BOQ Specialist’s own Consumer Data Right feed.
Today’s rates >_Interest on a deposit →BOQ Specialist website →
BOQ Specialist at a glance
Today’s rates11 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 1mo | 4.10%market best | #1 of 33 | +2.60 | best | — | same on every day read since 10 Sep 2026 | $1,000 | Term Deposit |
| 2mo | 4.20% | #2 of 36 | +2.45 | −0.25 | — | same on every day read since 10 Sep 2026 | $1,000 | Term Deposit |
| 3mo | 5.00% | joint #10 of 68 | +0.45 | −0.25 | ▲ +0.20 23 Sep | in effect since 23 Sep 2026 | $1,000 | Term Deposit |
| 4mo | 5.05% | joint #7 of 49 | +0.40 | −0.35 | ▲ +0.20 23 Sep | in effect since 23 Sep 2026 | $1,000 | Term Deposit |
| 6mo | 5.15% | joint #20 of 73 | +0.15 | −0.30 | ▲ +0.05 23 Sep | in effect since 23 Sep 2026 | $1,000 | Term Deposit |
| 9mo | 5.15% | joint #18 of 60 | +0.35 | −0.25 | — | same on every day read since 10 Sep 2026 | $1,000 | Term Deposit |
| 1yr | 5.30% | joint #23 of 75 | +0.05 | −0.30 | ▲ +0.10 23 Sep | in effect since 23 Sep 2026 | $1,000 | Term Deposit |
| 2yr | 3.50% | #59 of 67 | −1.20 | −2.05 | — | same on every day read since 10 Sep 2026 | $1,000 | Term Deposit |
| 3yr | 3.50% | #42 of 51 | −0.80 | −1.95 | — | same on every day read since 10 Sep 2026 | $1,000 | Term Deposit |
| 4yr | 3.50% | #25 of 32 | −0.50 | −2.00 | — | same on every day read since 10 Sep 2026 | $1,000 | Term Deposit |
| 5yr | 3.50% | #24 of 31 | −0.50 | −2.00 | — | same on every day read since 10 Sep 2026 | $1,000 | Term Deposit |
“Rank”, “vs median” and “vs best” compare BOQ Specialist with every bank that publishes the same term today. “This rate” is the first day our daily read showed the current rate — a rate that changed between two reads is dated to the first read that showed it.
What BOQ Specialist publishes about its products1 term deposit product · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| Term Deposit | at maturity, yearly | $1,000 | $100,000,000 | 11 | product page · terms · fees · eligibility |
Term Deposit: eligibility, conditions and features
- Eligibility
- residency: Resident or Citizen; minimum age: 18; Exclusively available to medical professionals and accountants
- Conditions
- opening balance 1000.0000000000 — While we have the discretion to determine deposit size, we usually accept a minimum deposit of AUD 1,000.00
- Features
- other — 24/7 service with our Client Service Centre; other — Flexible terms ranging from 30 days to 5 years; other — Flexibility to re-invest, add extra money or withdraw at the end of the term; other — Consistently competitive ongoing term deposit interest rates on new funds and rollovers; other — No establishment or account keeping fees; digital banking — Manage your own term deposit prior to maturity via online banking
- The bank’s description
- Looking for a dependable yield from your income or hard earned savings? Then a BOQ Specialist fixed term deposit could be an option to consider
- Interest calculated
- daily
Every line is the bank’s own statement in its feed, read that day — nothing is inferred. Early-withdrawal terms appear under conditions or features when a bank states them.
Rate historyevery sweep day since 26 Aug 2026 · 46 days · 11 terms
3mo 5.00% today
26 Aug 202610 Oct 2026
6mo 5.15% today
26 Aug 202610 Oct 2026
1yr 5.30% today
26 Aug 202610 Oct 2026
2yr 3.50% today
26 Aug 202610 Oct 2026
3yr 3.50% today
26 Aug 202610 Oct 2026
5yr 3.50% today
26 Aug 202610 Oct 2026
All 11 terms — the other 5
1mo 4.10% today
26 Aug 202610 Oct 2026
2mo 4.20% today
26 Aug 202610 Oct 2026
4mo 5.05% today
26 Aug 202610 Oct 2026
9mo 5.15% today
26 Aug 202610 Oct 2026
4yr 3.50% today
26 Aug 202610 Oct 2026
Each line is the best retail rate BOQ Specialist published for that term on each day we read its feed. A break in the line is a day we read no rate for that term — the feed could not be read, or the bank did not publish that term that day — never a rate carried forward.
Where BOQ Specialist sitsagainst the 77 banks ranked today
1yr: 22 banks ahead
- Community First Bank 5.60%
- Dnister Bank 5.55%
- Heartland Bank 5.55%
- Unity Bank 5.50%
- Alex Bank 5.50%
- Bank Australia 5.50%
- and 16 more on the leaderboard
6mo: 19 banks ahead
- Heartland Bank 5.45%
- RACQ Bank 5.45%
- Unity Bank 5.35%
- Dnister Bank 5.30%
- Bank Australia 5.30%
- Bank First 5.30%
- and 13 more on the leaderboard
Timeline4 rate changes since 10 Sep 2026 · ▲4 ▼0 · 1 event
| Date | Term | From → to | Δ |
|---|---|---|---|
| 30 Sep 2026 | RBA | RBA cash rate 4.60% — up 0.25 pointsReserve Bank decision effective 2026-09-30: cash rate target 4.60%, a rise of 0.25 percentage points. | |
| 23 Sep 2026 | 3mo | 4.80 → 5.00 | ▲ +0.20 |
| 23 Sep 2026 | 4mo | 4.85 → 5.05 | ▲ +0.20 |
| 23 Sep 2026 | 1yr | 5.20 → 5.30 | ▲ +0.10 |
| 23 Sep 2026 | 6mo | 5.10 → 5.15 | ▲ +0.05 |
Questions about these rates
What is BOQ Specialist’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate BOQ Specialist publishes in its Consumer Data Right feed is 5.30% for 12 months (Term Deposit). That is joint #31 of the 77 Australian banks ranked by best rate today.
What is BOQ Specialist’s 12-month term deposit rate?
5.30% as read on 10 Oct 2026, 0.05 points above the market median of 5.25%, and joint #23 of the 75 banks publishing a 12-month rate. The market-best 12-month rate today is 5.60%.
What is the minimum deposit at BOQ Specialist?
The lowest minimum BOQ Specialist states in its feed is $1,000 (Term Deposit, 1-month). Check the product disclosure statement for balance tiers.
When did BOQ Specialist last change a term deposit rate?
The most recent change we read was on 23 Sep 2026: the 3-month rate moved from 4.80% to 5.00%. We have read 4 changes at BOQ Specialist since 10 Sep 2026.
Are deposits with BOQ Specialist guaranteed?
BOQ Specialist publishes its products under the Consumer Data Right as an Australian data holder. Under the Financial Claims Scheme, administered by APRA, protected Australian-dollar deposit accounts at an Australian-incorporated authorised deposit-taking institution (ADI) are covered up to $250,000 per account holder per ADI. Several brands can share one ADI licence, in which case the cap covers them together, so confirm which licence BOQ Specialist operates under before relying on the guarantee. Scheme facts checked against apra.gov.au (Financial Claims Scheme) on 15 Sep 2026 — the link is under “About BOQ Specialist” below; rates are as read on 10 Oct 2026.
About BOQ Specialist
- Type
- ASX-listed bank
- Part of
- Bank of Queensland
- ASX code
- BOQ
- Website
- www.boqspecialist.com.au
- Consumer Data Right feed
- https://api.cds.boqspecialist.com.au
- Deposit guarantee
- Financial Claims Scheme, up to $250,000 per account holder per ADI — scheme details and covered institutions at APRA (checked 15 Sep 2026)
The rates on this page are the retail term deposit rates BOQ Specialist publishes in its own Consumer Data Right product feed, read once a day. Business, SMSF and staff-only products are left out. A product the bank publishes as “tailored” (pricing may be negotiated) is included only when the bank also states it is open to individuals, and is marked as tailored. A day on which we read no rate is a gap on this page — never an estimate.
Facts about the institution reviewed 15 Sep 2026. Rates read 10 Oct 2026.
Savings accountshighinterestsavingsaccounts.org
BOQ Specialist has no savings account on today’s board at highinterestsavingsaccounts.org, our sister site for at-call savings rates.
Please note: the savings figures on this page are estimates only and may not reflect the return you actually receive. Actual returns vary with tax, fees, the interest payment frequency and any change the bank makes to a rate before you open the account. Rates are the bank’s own published Consumer Data Right figures and may differ for particular balance tiers or online-only products. Always read the product disclosure statement, confirm the rate with the bank, and consider your own circumstances. Nothing here is financial advice or a recommendation. This site is published by Nutshell Media Pty Ltd, which is not affiliated with any bank, credit union or building society.