The Finance Algorithm
BNK Bank (Goldfields Money/BCHL) logoBNK Bank (Goldfields Money/BCHL)

Stow It Term Deposit Account

We offer both a personal and business option and we pay a great rate to reward you for stashing your hard earned cash with us.

Term depositsBank updated 22 Oct 2026

At a glance

Best rate
5.40% for 10m
12 months
5.40%
Min deposit
$5,000

How it compares

This term deposit in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This term deposit: 5.25%Every other institution's highest, 54 in all

Best rate for 3 months. One dot per institution, at its highest 3-month term deposit rate anyone can apply for; hover or tap a dot for its name.

RateThis term depositBest anywhereTypical institutionWhere it sits
3-month term depositBest rate for 3 months5.25%5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions2nd highest of 55, level with one other
6-month term depositBest rate for 6 months5.35%5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions8th highest of 63, level with one other
12-month term depositBest rate for 12 months5.40%5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions11th highest of 65, level with 6 others

Rates

Every rate BNK Bank (Goldfields Money/BCHL) publishes for this term deposit, 12 in all.

Its best rate at each term

  1. 1 mo5.05%
  2. 2 mo5.05%
  3. 3 motypical 4.60%5.25%
  4. 4 mo5.30%
  5. 5 mo5.35%
  6. 6 motypical 5.10%5.35%
  7. 7 mo5.35%
  8. 8 mo5.35%
  9. 9 mo5.40%
  10. 10 mo5.40%
  11. 11 mo5.40%
  12. 1 yrtypical 5.30%5.40%
This term depositTypical institution's best for the term
TypeApplies toTermBandRateComparisonConditions
FixedRate applied to a 1 Month Term Deposit-1 mo-5.05%-paid at maturity; paid every 1 mo; This rate is applicable to new Term Deposit Accounts
FixedThe rate applied to a 10 month Term Deposit-10 mo-5.40%-paid at maturity; paid every 10 mo; This rate is applicable to new Term Deposit Accounts
FixedThe rate applied to a 11 month Term Deposit-11 mo-5.40%-paid at maturity; paid every 11 mo; This rate is applicable to new Term Deposit Accounts
FixedThe rate applied to a 12 month Term Deposit-1 yr-5.40%-paid at maturity; paid every 1 yr; This rate is applicable to new Term Deposit Accounts
FixedThe rate applied to a 2 month Term Deposit-2 mo-5.05%-paid at maturity; paid every 2 mo; This rate is applicable to new Term Deposit Accounts
FixedThe rate applied to a 3 month Term Deposit-3 mo-5.25%-paid at maturity; paid every 3 mo; This rate is applicable to new Term Deposit Accounts
FixedThe rate applied to a 4 month Term Deposit-4 mo-5.30%-paid at maturity; paid every 4 mo; This rate is applicable to new Term Deposit Accounts
FixedThe rate applied to a 5 month Term Deposit-5 mo-5.35%-paid at maturity; paid every 5 mo; This rate is applicable to new Term Deposit Accounts
FixedThe rate applied to a 6 month Term Deposit-6 mo-5.35%-paid at maturity; paid every 6 mo; This rate is applicable to new Term Deposit Accounts
FixedThe rate applied to a 7 month Term Deposit-7 mo-5.35%-paid at maturity; paid every 7 mo; This rate is applicable to new Term Deposit Accounts
FixedThe rate applied to a 8 month Term Deposit-8 mo-5.35%-paid at maturity; paid every 8 mo; This rate is applicable to new Term Deposit Accounts
FixedThe rate applied to a 9 month Term Deposit-9 mo-5.40%-paid at maturity; paid every 9 mo; This rate is applicable to new Term Deposit Accounts

Rate changes

12 changes logged, newest first.

DateRateWasNowChange
22 Oct 2026Fixed, 1 mo4.05%5.05%up 1.00
22 Oct 2026Fixed, 10 mo5.25%5.40%up 0.15
22 Oct 2026Fixed, 11 mo5.25%5.40%up 0.15
22 Oct 2026Fixed, 1 yr5.25%5.40%up 0.15
22 Oct 2026Fixed, 2 mo4.45%5.05%up 0.60
22 Oct 2026Fixed, 3 mo4.95%5.25%up 0.30
22 Oct 2026Fixed, 4 mo5.05%5.30%up 0.25
22 Oct 2026Fixed, 5 mo5.20%5.35%up 0.15
22 Oct 2026Fixed, 6 mo5.20%5.35%up 0.15
22 Oct 2026Fixed, 7 mo5.25%5.35%up 0.10
22 Oct 2026Fixed, 8 mo5.25%5.35%up 0.10
22 Oct 2026Fixed, 9 mo5.25%5.40%up 0.15

Each change is logged the night it appears in the rates BNK Bank (Goldfields Money/BCHL) publishes. See how every lender answered the RBA on the rate tracker.

Fees

One fee published, grouped by when they're charged.

When you make a transaction1

  • Term Deposit Early Withdrawals

    withdraw part or all of the balance before the maturity date, the interest you receive on the amount withdrawn may be reduced based on the term elapsed as a percentage of the total term. This is the…

    From $0

Features

Digital banking
  • A loyalty bonus maybe offered if you automatically roll over your term deposit into a new term with BNK/Goldfields
  • 7 calendar days rollover cooling off period.
  • No Fees
  • Rollover facility available
  • All deposits you have with BNK/Goldfields are guaranteed up to $250,000 by the Australian Government, under the Financial Claims Scheme. For more information on the Financial Claims Scheme.

Eligibility and limits

  • Minimum age 18
  • Residency: An Australian citizen, permanent resident or Australian resident for tax purposes
  • Available to individuals
  • Minimum balance $5,000
  • Opening balance $5,000

Published by BNK Bank (Goldfields Money/BCHL) under the Consumer Data Right, last changed by them on 22 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.