Border BankTerm Deposit
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.
Term depositsBank updated 3 Sept 2026
At a glance
- Best rate
- 5.25% for 4m
- 12 months
- 5.00%
- Min deposit
- $1,000
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.
| Rate | This term deposit | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| 3-month term depositBest rate for 3 months | 4.30% | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions | 34th highest of 55, level with 6 others |
| 6-month term depositBest rate for 6 months | 4.85% | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions | 45th highest of 63, level with one other |
| 12-month term depositBest rate for 12 months | 5.00% | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions | 57th highest of 65, level with 3 others |
| 2-year term depositBest rate for 2 years | 4.60% | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions | 35th highest of 55, level with 3 others |
| 3-year term depositBest rate for 3 years | 4.20% | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions | 28th highest of 44, level with 3 others |
| 5-year term depositBest rate for 5 years | 4.20% | 5.65%Judo Bank's Personal Term Deposits | 4.00%of 27 institutions | 11th highest of 27, level with 2 others |
Rates
Every rate Border Bank publishes for this term deposit, 23 in all.
Its best rate at each term
- 2 mo1.40%
- 3 motypical 4.60%4.30%
- 4 mo5.25%
- 5 mo4.30%
- 6 motypical 5.10%4.85%
- 7 mo4.65%
- 9 mo5.25%
- 1 yrtypical 5.30%5.00%
- 2 yrstypical 4.90%4.60%
- 30 mo1.10%
- 3 yrstypical 4.25%4.20%
- 4 yrs4.20%
- 5 yrstypical 4.00%4.20%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedBalance $10,000 or more - I12 Interest Paid at Maturity | - | 1 yr | $10,000–$500,000 | 5.00% | - | paid at maturity |
| FixedBalance $10,000 or more - I24 Interest Paid Every Month | - | 1 yr | $10,000–$500,000 | 4.95% | - | paid every 1 mo |
| FixedBalance $20,000 or more - I60 Interest Paid at Maturity | - | 2 mo | $20,000–$500,000 | 1.40% | - | paid at maturity |
| FixedBalance $10,000 or more - I52 Interest Paid Every Month | - | 2 yrs | $10,000–$500,000 | 4.55% | - | paid every 1 mo |
| FixedBalance $10,000 or more - I29 Interest Paid Every 6 months | - | 2 yrs | $10,000–$500,000 | 4.60% | - | paid every 6 mo |
| FixedBalance $1,000 to $9,999 - I1 Interest Paid at Maturity | - | 3 mo | $1,000–$10,000 | 4.30% | - | paid at maturity |
| FixedBalance $1,000 to $9,999 - I2 Interest Paid Every Month | - | 3 mo | $1,000–$10,000 | 4.25% | - | paid every 1 mo |
| FixedBalance $10,000 or more - I5 Interest Paid at Maturity | - | 3 mo | $10,000–$500,000 | 4.30% | - | paid at maturity |
| FixedBalance $10,000 or more - I3 Interest Paid Every Month | - | 3 mo | $10,000–$500,000 | 4.25% | - | paid every 1 mo |
| FixedBalance $20,000 or more - I63 Interest Paid Monthly | - | 30 mo | $20,000–$500,000 | 1.10% | - | paid every 1 mo |
| FixedBalance $10,000 or more - I53 Interest Paid Every Month | - | 3 yrs | $10,000–$500,000 | 4.15% | - | paid every 1 mo |
| FixedBalance $10,000 or more - I31 Interest Paid Every 6 Months | - | 3 yrs | $10,000–$500,000 | 4.20% | - | paid every 6 mo |
| FixedBalance $10,000 or more - I5 Interest Paid at Maturity | - | 4 mo | $10,000–$500,000 | 5.25% | - | paid at maturity |
| FixedBalance $10,000 or more - I54 Interest Paid Every Month | - | 4 yrs | $10,000–$500,000 | 4.15% | - | paid every 1 mo |
| FixedBalance $10,000 or more - I32 Interest Paid Every 6 Months | - | 4 yrs | $10,000–$500,000 | 4.20% | - | paid every 6 mo |
| FixedBalance $10,000 or more - I5 Interest Paid at Maturity | - | 5 mo | $10,000–$500,000 | 4.30% | - | paid at maturity |
| FixedBalance $10,000 or more - I25 Interest Paid at Maturity | - | 6 mo | $10,000–$500,000 | 4.85% | - | paid at maturity |
| FixedBalance $10,000 or more - I10 Interest Paid Every Month | - | 6 mo | $10,000–$500,000 | 4.80% | - | paid every 1 mo |
| FixedBalance $10,000 or more - I55 Interest Paid Every Month | - | 5 yrs | $10,000–$500,000 | 4.15% | - | paid every 1 mo |
| FixedBalance $10,000 or more - I33 Interest Paid Every 6 Months | - | 5 yrs | $10,000–$500,000 | 4.20% | - | paid every 6 mo |
| FixedBalance $10,000 or more - I5 Interest Paid at Maturity | - | 7 mo | $10,000–$500,000 | 4.65% | - | paid at maturity |
| FixedBalance $10,000 or more - I5 Interest Paid at Maturity | - | 9 mo | $10,000–$500,000 | 5.25% | - | paid at maturity |
| FixedBalance $10,000 or more - I10 Interest Paid Every Month | - | 9 mo | $10,000–$500,000 | 5.20% | - | paid every 1 mo |
Fees
One fee published, grouped by when they're charged.
When particular things happen1
- Penalty Interest
Reduced rate for early redemption is 0.10% p.a.
0.10% of transaction
Features
Digital banking
- Phone Banking. You can check your account details online with Internet Banking – the service is free.
- 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…
- Resist temptation to dip into funds by locking funds away
Eligibility and limits
- Residency: Australian Residents
Compare it with others
Put this product through a calculator
Published by Border Bank under the Consumer Data Right, last changed by them on 3 Sept 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.