Queensland Country Bank
Every product Queensland Country Bank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 15 Oct 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder. Who shares a cap
- Australian credit licence and AFS licence 244533, held by Queensland Country Bank Limited; credit licence since 15 November 2010. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
55 products in 8 categories
Queensland Country Bank's rates today
Queensland Country Bank's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where Queensland Country Bank sits among every institution's best
Lowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower. One dot per institution, at its lowest business loan rate anyone can apply for; hover or tap a dot for its name.
| Rate | Queensland Country Bank | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.24%Home Loan-Package | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.49%Home Loan-Package Fixed Rate | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
| Savings accountBase plus any bonus, when its conditions are met | 4.55%Bonus Saver | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.30%FTD - Interest at Maturity | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 7.49%Personal Loan-Boat Loan | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Credit card purchase rateOngoing purchase rate, not introductory offers | 14.99%Visa Credit | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions |
| Business savings accountEach institution's best interest-paying business account, base plus any bonus | 3.00%Business Online Saver | 5.40%Great Southern Bank Business+'s Business+ Saver | 0.55%of 34 institutions |
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 6.49%Specialised Fixed | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions |
| Business credit card purchase rateOngoing purchase rate, not introductory offers | 14.99%Visa Business My Rewards | 6.96%Greater Bank's Business Visa Credit Card | 13.49%of 14 institutions |
Queensland Country Bank home loan repayments
Repayments at Queensland Country Bank's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableHome Loan-Package6.24%6.25% comparison$3,690a month
$728,545 in interest, $1,328,545 repaid in all
- 1-year fixedHome Loan-Package Fixed Rate6.49%6.93% comparison$3,788a month
$763,847 in interest, $1,363,847 repaid in all
- 2-year fixedHome Loan-Package Fixed Rate6.29%6.54% comparison$3,710a month
$735,574 in interest, $1,335,574 repaid in all
- 3-year fixedHome Loan-Package Fixed Rate6.49%6.91% comparison$3,788a month
$763,847 in interest, $1,363,847 repaid in all
- Investor variableHome Loan-Package6.44%6.45% comparison$3,769a month
$756,755 in interest, $1,356,755 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Queensland Country Bank's own calculator: confirm the rate with Queensland Country Bank before you apply.
Queensland Country Bank home loan rates
Compare across banks5 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.24%, with a comparison rate of 6.25%, on its Home Loan-Package: 25th lowest of 104 lenders, level with 6 others.
- Home Equity Loan
- Variable (owner occ. P&I)
- 8.49%, 9.97% comparison
- Variable (investor P&I)
- 8.49%
- Max LVR
- 90%
- Home Loan-Fixed
- Fixed
- 1 yr 6.64%, 2 yrs 6.64%, 3 yrs 6.64%
- Max LVR
- 95%
- Annual fee
- $120
- Home Loan-Package
- Variable (owner occ. P&I)
- 6.24%, 6.25% comparison
- Variable (investor P&I)
- 6.44%
- Max LVR
- 95%
- Home Loan-Package Fixed Rate
- Fixed
- 1 yr 6.49%, 2 yrs 6.29%, 3 yrs 6.49%
- Max LVR
- 95%
- Annual fee
- $395
- Home Loan-Variable Rate
- Variable (owner occ. P&I)
- 8.99%, 9.14% comparison
- Variable (investor P&I)
- 8.99%
- Max LVR
- 95%
Queensland Country Bank savings and transaction account rates
Compare across banks14 products
Its highest savings rate is up to 4.55% (0.15% base plus a 4.40% bonus when its conditions are met), on its Bonus Saver: 42nd highest of 84 institutions.
- All Access
- Base rate
- 0.00%
- Monthly fee
- $6
- Bonus Saver
- Base rate
- 0.15%
- Bonus rate
- 4.40%
- Up to
- 4.55%
- Business Basic
- Base rate
- 0.00%
- Monthly fee
- $2
- Business Online Saver
- Base rate
- 3.00%
- Monthly fee
- $0
- Business Platinum
- Base rate
- 0.00%
- Monthly fee
- $4
- Christmas Club
- Base rate
- 2.70%
- Monthly fee
- $0
- Future Start Savings
- Base rate
- 0.15%
- Bonus rate
- 4.40%
- Up to
- 4.55%
- Learners & Earners All Access
- Base rate
- 0.00%
- Monthly fee
- $0
- Mortgage Offset
- Pricing
- Rates on application
- Monthly fee
- $0
- Online Saver
- Base rate
- 3.00%
- Monthly fee
- $0
- Pension Plus
- Base rate
- 3.30%
- Monthly fee
- $0
- SmartBudget
- Base rate
- 0.00%
- Monthly fee
- $5
- Star Saver
- Base rate
- 3.15%
- Monthly fee
- $0
- Student Money Saver
- Base rate
- 0.15%
- Bonus rate
- 4.40%
- Up to
- 4.55%
Queensland Country Bank term deposit rates
Compare across banks15 products
Its highest 12-month term deposit rate is 5.30%, on its FTD - Interest at Maturity: 28th highest of 65 institutions, level with 14 others.
| Rate | Queensland Country Bank | Best anywhere | Typical institution |
|---|---|---|---|
| 3-month term depositBest rate for 3 months | 3.60%FTD - Interest at Maturity | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions |
| 6-month term depositBest rate for 6 months | 3.80%FTD - Interest at Maturity | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions |
| 12-month term depositBest rate for 12 months | 5.30%FTD - Interest at Maturity | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 5.00%FTD - Interest Annually | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
| 3-year term depositBest rate for 3 years | 4.50%FTD - Interest Annually | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions |
- FMD 12 Mth Int at Maturity
- Best rate
- 5.25% for 12m
- 12 months
- 5.25%
- Min deposit
- $1,000
- FMD 12 Mth Int Monthly
- Best rate
- 5.15% for 12m
- 12 months
- 5.15%
- Min deposit
- $1,000
- FMD 24 Mth Int Annually
- Best rate
- 4.10% for 24m
- Min deposit
- $1,000
- FMD 24 Mth Int at Maturity
- Best rate
- 4.10% for 24m
- Min deposit
- $1,000
- FMD 24 Mth Int Monthly
- Best rate
- 4.00% for 24m
- Min deposit
- $1,000
- FMD 3 Mth Int at Maturity
- Best rate
- 3.50% for 3m
- Min deposit
- $1,000
- FMD 3 Mth Int Monthly
- Best rate
- 3.50% for 3m
- Min deposit
- $1,000
- FMD 6 Mth Int at Maturity
- Best rate
- 5.00% for 6m
- Min deposit
- $1,000
- FMD 6 Mth Int Monthly
- Best rate
- 5.00% for 6m
- Min deposit
- $1,000
- FTD - Interest Annually
- Best rate
- 5.00% for 24m
- Min deposit
- $1,000
- FTD - Interest at Maturity
- Best rate
- 5.30% for 12m
- 12 months
- 5.30%
- Min deposit
- $1,000
- FTD - Interest Monthly
- Best rate
- 5.20% for 12m
- 12 months
- 5.20%
- Min deposit
- $1,000
- FTD Retirees Interest Monthly
- Best rate
- 5.30% for 12m
- 12 months
- 5.30%
- Min deposit
- $1,000
- Special 10 month
- Best rate
- 5.00% for 10m
- Min deposit
- $5,000
- Special 5 month
- Best rate
- 5.00% for 5m
- Min deposit
- $5,000
Queensland Country Bank credit card rates
Compare across banks3 products
Its lowest credit card purchase rate is 14.99%, on its Visa Credit: 43rd lowest of 51 card issuers, level with one other.
Queensland Country Bank personal loan rates
Compare across banks7 products
Its lowest advertised personal loan rate is 6.24% variable, with a comparison rate of 6.88%, on its Personal Loan-Secured New Car: 11th lowest of 69 lenders, level with 2 others.
- Personal Loan-Boat Loan
- Variable
- 7.49%, 8.29% comparison
- Upfront fee
- $150
- Monthly fee
- $5
- Personal Loan-Green Car Loan
- Variable
- 6.24%, 6.53% comparison
- Upfront fee
- $150
- Personal Loan-Green Reno
- Variable
- 6.99%, 6.99% comparison
- Loan size
- $3,000 to $60,000
- Monthly fee
- $0
- Personal Loan-Reno
- Variable
- 9.24%, 10.14% comparison
- Loan size
- $3,000 to $60,000
- Upfront fee
- $150
- Personal Loan-Secured
- Variable
- 11.94%, 12.90% comparison
- Loan size
- $1,000 to $150,000
- Upfront fee
- $150
- Personal Loan-Secured New Car
- Variable
- 6.24%, 6.88% comparison
- Upfront fee
- $150
- Monthly fee
- $5
- Personal Loan-Unsecured
- Variable
- 14.69%, 15.55% comparison
- Loan size
- $1,000 to $60,000
- Upfront fee
- $150
Queensland Country Bank business loan rates
Compare across banks7 products
Its lowest advertised business loan rate is 6.49% fixed, on its Specialised Fixed: 3rd lowest of 49 lenders, level with one other.
- Business Green Car Loan
- Variable
- 6.74%
- Upfront fee
- $150
- Commercial Loan - Res Secured
- Variable
- 10.59%
- Loan size
- $10,000 to no maximum
- Upfront fee
- $0
- Commercial Loan - Secured
- Variable
- 6.74%
- Loan size
- $10,000 to no maximum
- Upfront fee
- $150
- Specialised Fixed
- Fixed
- 6.49%
- Loan size
- $10,000 to no maximum
- Upfront fee
- $50
- Specialised Fixed I.O.
- Fixed
- 6.69%
- Loan size
- $10,000 to no maximum
- Upfront fee
- $50
- Specialised Variable
- Variable
- 6.49%
- Loan size
- $10,000 to no maximum
- Upfront fee
- $50
- Specialised Variable I.O.
- Variable
- 6.49%
- Loan size
- $10,000 to no maximum
- Upfront fee
- $50
Queensland Country Bank overdraft rates
Compare across banks3 products
Its lowest advertised overdraft rate is 8.94% variable, on its Line of Credit: 9th lowest of 23 lenders.
Queensland Country Bank trade finance
Compare across banks1 product
Has Queensland Country Bank passed on the RBA's November 2026 rate rise?
Queensland Country Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Thu 15 Oct
Queensland Country Bank lifted 13 variable home loan rates by 0.25 percentage points.
0.25- Home Loan-Package (10 rates)
- Home Loan-Variable Rate (2 rates)
- Home Equity Loan (1 rate)
Queensland Country Bank lifted 17 savings rates by 0.20 percentage points.
0.20- Future Start Savings (1 rate)
- Star Saver (2 rates)
- Business Online Saver (1 rate)
- Pension Plus (2 rates)
- Online Saver (1 rate)
- Bonus Saver (1 rate)
- Christmas Club (8 rates)
- Student Money Saver (1 rate)
Queensland Country Bank lifted 5 personal loan rates by 0.25 percentage points.
0.25- Personal Loan-Secured (1 rate)
- Personal Loan-Reno (1 rate)
- Personal Loan-Unsecured (1 rate)
- Personal Loan-Green Car Loan (1 rate)
- Personal Loan-Green Reno (1 rate)
Wed 14 Oct
Queensland Country Bank lifted 3 credit card purchase rates by 0.25 percentage points.
0.25- Visa Credit (1 rate)
- Visa Business My Rewards (1 rate)
- Visa Credit My Rewards (1 rate)
Thu 8 Oct
Queensland Country Bank lifted 3 term deposit rates by 0.05 percentage points.
0.05- FTD - Interest at Maturity (1 rate)
- FTD - Interest Monthly (1 rate)
- FTD Retirees Interest Monthly (1 rate)
Thu 1 Oct
Queensland Country Bank lifted 20 fixed home loan rates by 0.15 to 0.20 percentage points.
0.15 to 0.20- Home Loan-Fixed (12 rates)
- Home Loan-Package Fixed Rate (8 rates)
Published by Queensland Country Bank under the Consumer Data Right, last changed by them on 15 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.