Border Bank term deposit rates
13 terms published on 10 Oct 2026, best 5.25% for 4 months, from Border Bank’s own Consumer Data Right feed.
Today’s rates >_Interest on a deposit →Border Bank website →
Border Bank at a glance
Today’s rates13 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 2mo | 1.40% | joint #29 of 36 | −0.35 | −3.05 | — | same on every day read since 26 Aug 2026 | $20,000 | Term Deposit |
| 3mo | 4.30% | joint #41 of 68 | −0.25 | −0.95 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit |
| 4mo | 5.25% | joint #2 of 49 | +0.60 | −0.15 | ▲ +0.15 3 Sep | in effect since 3 Sep 2026 | $10,000 | Term Deposit |
| 5mo | 4.30% | joint #18 of 50 | median | −0.90 | — | same on every day read since 26 Aug 2026 | $10,000 | Term Deposit |
| 6mo | 4.85% | joint #47 of 73 | −0.15 | −0.60 | — | same on every day read since 26 Aug 2026 | $10,000 | Term Deposit |
| 7mo | 4.65% | joint #26 of 43 | −0.30 | −0.80 | — | same on every day read since 26 Aug 2026 | $10,000 | Term Deposit |
| 9mo | 5.25% | joint #12 of 60 | +0.45 | −0.15 | — | same on every day read since 26 Aug 2026 | $10,000 | Term Deposit |
| 1yr | 5.00% | joint #59 of 75 | −0.25 | −0.60 | — | same on every day read since 26 Aug 2026 | $10,000 | Term Deposit |
| 2yr | 4.60% | joint #36 of 67 | −0.10 | −0.95 | — | same on every day read since 26 Aug 2026 | $10,000 | Term Deposit |
| 30mo | 1.10% | joint #5 of 6 | −2.10 | −4.45 | — | same on every day read since 26 Aug 2026 | $20,000 | Term Deposit |
| 3yr | 4.20% | joint #32 of 51 | −0.10 | −1.25 | — | same on every day read since 26 Aug 2026 | $10,000 | Term Deposit |
| 4yr | 4.20% | joint #13 of 32 | +0.20 | −1.30 | — | same on every day read since 26 Aug 2026 | $10,000 | Term Deposit |
| 5yr | 4.20% | joint #11 of 31 | +0.20 | −1.30 | — | same on every day read since 26 Aug 2026 | $10,000 | Term Deposit |
“Rank”, “vs median” and “vs best” compare Border Bank 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 Border Bank 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 | monthly, at maturity, half-yearly | $1,000 | $500,000 | 13 | product page · terms · fees · eligibility |
Term Deposit: eligibility, conditions and features
- Eligibility
- residency: Australian Citizens; residency: Australian Residents
- Features
- other — Phone Banking. You can check your account details online with Internet Banking – the service is free.; other — Contributes to Reduced Fees Program. Simply maintain a combined monthly balance of $5000 or more worth of savings, investments or loans and you will receive more fee free ATM and EFTPOS transactions…; digital banking — Internet Banking. You can check your account details online with Internet Banking – the service is free.; other — Resist temptation to dip into funds by locking funds away
- The bank’s description
- Bank of Border Bank Investment Accounts are designed to make your money work as hard for you as you worked to get it. With terms of 3, 4, 5, 6, 7, 9, 12, 36, 48 and 60 months – interest paid at maturity, 6 months or every month – a Border Bank Term Deposit is as flexible as you require it to be.
- 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 · 13 terms
3mo 4.30% today
26 Aug 202610 Oct 2026
6mo 4.85% today
26 Aug 202610 Oct 2026
1yr 5.00% today
26 Aug 202610 Oct 2026
2yr 4.60% today
26 Aug 202610 Oct 2026
3yr 4.20% today
26 Aug 202610 Oct 2026
5yr 4.20% today
26 Aug 202610 Oct 2026
All 13 terms — the other 7
2mo 1.40% today
26 Aug 202610 Oct 2026
4mo 5.25% today
26 Aug 202610 Oct 2026
5mo 4.30% today
26 Aug 202610 Oct 2026
7mo 4.65% today
26 Aug 202610 Oct 2026
9mo 5.25% today
26 Aug 202610 Oct 2026
30mo 1.10% today
26 Aug 202610 Oct 2026
4yr 4.20% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Border Bank 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 Border Bank sitsagainst the 77 banks ranked today
1yr: 58 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 52 more on the leaderboard
6mo: 46 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 40 more on the leaderboard
Customer-owned banks52 banks · top 10 by best rate
| Bank | Best | Term | 6 m | 12 m | Market rank |
|---|---|---|---|---|---|
 Community First Bank | 5.60% | 1yr | 5.10% | 5.60% | #1 |
 Dnister Bank | 5.55% | 1yr | 5.30% | 5.55% | #2 |
| Unity Bank | 5.55% | 2yr | 5.35% | 5.50% | #2 |
 Bank Australia | 5.50% | 1yr | 5.30% | 5.50% | #5 |
 Bank First | 5.50% | 1yr | 5.30% | 5.50% | #5 |
 Qudos Bank | 5.50% | 1yr | 5.30% | 5.50% | #5 |
 Great Southern Bank | 5.45% | 1yr | 4.55% | 5.45% | #11 |
 People First Bank | 5.45% | 7mo | 5.00% | 5.20% | #11 |
 Police Credit Union | 5.45% | 11mo | 5.00% | 5.25% | #11 |
 QBANK | 5.45% | 1yr | 5.30% | 5.45% | #11 |
| Border Bank | 5.25% | 4mo | 4.85% | 5.00% | #46 |
Timeline1 rate change since 26 Aug 2026 · ▲1 ▼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. | |
| 3 Sep 2026 | 4mo | 5.10 → 5.25 | ▲ +0.15 |
Questions about these rates
What is Border Bank’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Border Bank publishes in its Consumer Data Right feed is 5.25% for 4 months (Term Deposit). That is joint #46 of the 77 Australian banks ranked by best rate today.
What is Border Bank’s 12-month term deposit rate?
5.00% as read on 10 Oct 2026, 0.25 points below the market median of 5.25%, and joint #59 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 Border Bank?
The lowest minimum Border Bank states in its feed is $1,000 (Term Deposit, 3-month). Check the product disclosure statement for balance tiers.
When did Border Bank last change a term deposit rate?
The most recent change we read was on 3 Sep 2026: the 4-month rate moved from 5.10% to 5.25%. We have read 1 change at Border Bank since 26 Aug 2026.
Are deposits with Border Bank guaranteed?
Border Bank 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 Border Bank 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 Border Bank” below; rates are as read on 10 Oct 2026.
About Border Bank
- Type
- Customer-owned bank (mutual)
- Website
- www.borderbank.com.au
- Consumer Data Right feed
- https://public.cdr.prd.borderbank.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 Border Bank 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
Border Bank 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.