BOQ term deposit rates
15 terms published on 10 Oct 2026, best 5.30% for 12 months, from BOQ’s own Consumer Data Right feed. Registered as Bank of Queensland Limited.
BOQ at a glance
Today’s rates15 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 1mo | 0.75% | joint #30 of 33 | −0.75 | −3.35 | — | same on every day read since 10 Sep 2026 | $5,000 | Premier Investment Term Deposit |
| 2mo | 0.80% | #35 of 36 | −0.95 | −3.65 | — | same on every day read since 10 Sep 2026 | $5,000 | Premier Investment Term Deposit |
| 3mo | 4.95% | joint #23 of 68 | +0.40 | −0.30 | — | same on every day read since 10 Sep 2026 | $5,000 | myBOQ Term Deposit |
| 4mo | 5.00% | joint #11 of 49 | +0.35 | −0.40 | ▲ +0.20 23 Sep | in effect since 23 Sep 2026 | $5,000 | myBOQ Term Deposit |
| 5mo | 1.25% | #50 of 50 | −3.05 | −3.95 | — | same on every day read since 10 Sep 2026 | $5,000 | Premier Investment Term Deposit |
| 6mo | 5.20% | joint #10 of 73 | +0.20 | −0.25 | ▲ +0.05 23 Sep | in effect since 23 Sep 2026 | $5,000 | myBOQ Term Deposit |
| 7mo | 5.15% | joint #9 of 43 | +0.20 | −0.30 | ▲ +0.05 23 Sep | in effect since 23 Sep 2026 | $5,000 | myBOQ Term Deposit |
| 8mo | 4.10% | #23 of 39 | −0.30 | −1.15 | — | same on every day read since 10 Sep 2026 | $5,000 | Premier Investment Term Deposit |
| 9mo | 5.15% | joint #18 of 60 | +0.35 | −0.25 | — | same on every day read since 10 Sep 2026 | $5,000 | myBOQ Term Deposit |
| 10mo | 1.75% | #40 of 40 | −2.25 | −3.60 | — | same on every day read since 10 Sep 2026 | $5,000 | Premier Investment Term Deposit |
| 11mo | 1.75% | #45 of 45 | −2.25 | −3.70 | — | same on every day read since 10 Sep 2026 | $5,000 | Premier Investment Term Deposit |
| 1yr | 5.30% | joint #23 of 75 | +0.05 | −0.30 | — | same on every day read since 10 Sep 2026 | $5,000 | myBOQ Term Deposit |
| 2yr | 2.00% | joint #65 of 67 | −2.70 | −3.55 | — | same on every day read since 10 Sep 2026 | $5,000 | Premier Investment Term Deposit |
| 3yr | 2.00% | joint #50 of 51 | −2.30 | −3.45 | — | same on every day read since 10 Sep 2026 | $5,000 | Premier Investment Term Deposit |
| 4yr | 2.00% | joint #31 of 32 | −2.00 | −3.50 | — | same on every day read since 10 Sep 2026 | $5,000 | Premier Investment Term Deposit |
“Rank”, “vs median” and “vs best” compare BOQ 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 publishes about its products3 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| Premier Investment Term Depositsmsf | at maturity, monthly | $1,000 | $249,999 | 16 | product page · terms · fees · eligibility |
| myBOQ Term Deposit | at maturity | $5,000 | not stated | 6 | product page · terms · fees · eligibility |
Premier Investment Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 18 — Eighteen (18) years of age or over; residency: Resident or Citizen — A citizen or permanent resident of Australia;; QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold clients' money in trust and hold relevant…; Not-for-profit organisations. Not available to Self-Managed Superannuation Funds.
- Conditions
- min balance 1000.0000000000 — Minimum balance; opening balance 1000.0000000000 — Minimum Opening balance
- Features
- other — Easy reinvestment, with automatic rollover at maturity for your choice of term; other — Choose how and when you receive interest payments - reinvest or transfer to another bank account; other — $1,000 minimum investment amount; other — Arrange to reinvest your interest payments or transfer your interest to another account; digital banking — Use internet or mobile banking to check your balance; other — Access your funds prior to maturity by providing 31 days prior notice to redeem your account early (an interest adjustment and early payout fee apply); other — All deposits up to $250,000 are protected by the Federal Government's deposit guarantee, so your savings are secure with us; other — Choose the length of your term, from just one month; other — For monthly interest payments, the applicable interest rate will be the rate listed above less 0.10% p.a.; other — Earn higher interest if you deposit $5,000 or more
- The bank’s description
- Rewarding you with higher interest on balances over $5,000. Enjoy the security of a fixed rate for your nominated term
- Interest calculated
- daily
myBOQ Term Deposit: eligibility, conditions and features
- Eligibility
- Personal use only; minimum age: 14 — At least 14 years old; residency: Resident or Citizen — Be an Australian citizen or permanent resident or resident for tax purposes with an Australian residential address.
- Conditions
- min balance 5000.0000000000 — Minimum balance invested $5,000
- Features
- other — 31 days prior notice required if you want to access your funds prior to the maturity date with an Early Withdrawal Interest Adjustment; other — With no application or establishment fees and no account keeping fees, grow every cent you deposit.; other — A Term Deposit has to be linked to a internal nominated transaction or savings account. New to Bank customers is a transaction account and Existing to Bank is a Savings or Transaction account; other — A fixed interest rate for the term of the investment
- The bank’s description
- Digital Term Deposit for myBOQ
- Interest calculated
- daily
Also published, not ranked here: Farm Management Deposit - Fixed business (product page).
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; a retail product that is also open to businesses or SMSFs is marked.
Rate historyevery sweep day since 26 Aug 2026 · 46 days · 15 terms
3mo 4.95% today
26 Aug 202610 Oct 2026
4mo 5.00% today
26 Aug 202610 Oct 2026
6mo 5.20% today
26 Aug 202610 Oct 2026
1yr 5.30% today
26 Aug 202610 Oct 2026
2yr 2.00% today
26 Aug 202610 Oct 2026
3yr 2.00% today
26 Aug 202610 Oct 2026
All 15 terms — the other 9
1mo 0.75% today
26 Aug 202610 Oct 2026
2mo 0.80% today
26 Aug 202610 Oct 2026
5mo 1.25% today
26 Aug 202610 Oct 2026
7mo 5.15% today
26 Aug 202610 Oct 2026
8mo 4.10% today
26 Aug 202610 Oct 2026
9mo 5.15% today
26 Aug 202610 Oct 2026
10mo 1.75% today
26 Aug 202610 Oct 2026
11mo 1.75% today
26 Aug 202610 Oct 2026
4yr 2.00% today
26 Aug 202610 Oct 2026
Each line is the best retail rate BOQ 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 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: 9 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 3 more on the leaderboard
Timeline3 rate changes since 10 Sep 2026 · ▲3 ▼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 | 4mo | 4.80 → 5.00 | ▲ +0.20 |
| 23 Sep 2026 | 6mo | 5.15 → 5.20 | ▲ +0.05 |
| 23 Sep 2026 | 7mo | 5.10 → 5.15 | ▲ +0.05 |
Questions about these rates
What is BOQ’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate BOQ publishes in its Consumer Data Right feed is 5.30% for 12 months (myBOQ Term Deposit). That is joint #31 of the 77 Australian banks ranked by best rate today.
What is BOQ’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?
The lowest minimum BOQ states in its feed is $5,000 (Premier Investment Term Deposit, 1-month). Check the product disclosure statement for balance tiers.
When did BOQ last change a term deposit rate?
The most recent change we read was on 23 Sep 2026: the 4-month rate moved from 4.80% to 5.00%. We have read 3 changes at BOQ since 10 Sep 2026.
Are deposits with BOQ guaranteed?
BOQ 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 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” below; rates are as read on 10 Oct 2026.
About BOQ
- Registered as
- Bank of Queensland Limited
- Also known as
- Bank of Queensland
- Type
- ASX-listed bank
- ASX code
- BOQ
- Website
- www.boq.com.au
- Consumer Data Right feed
- https://api.cds.boq.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 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 accounts at BOQhighinterestsavingsaccounts.org
A savings account keeps the money at call, but its rate can change at any time and its best rate usually has monthly conditions. A term deposit locks one rate for its term. Both figures come from the bank’s own feed.
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.