The rates outlined below are effective 11 May 2026. Rates are subject to change and may change at any time including between the time you apply for a term deposit account and when your account is opened.
Download all term deposit interest rates - PDF (98 kB)Standard and Regular Income Term Deposits¹
| Term | Interest paid monthly | Interest paid quarterly | Interest paid half yearly |
Interest paid annually | Interest paid at maturity |
|---|---|---|---|---|---|
| 1 month | --- | --- | --- | --- | 1.20% p.a. |
| 2 months | --- | --- | --- | --- | 1.60% p.a. |
| 3 months | 3.90% p.a. | --- | --- | --- | 4.00% p.a. |
| 4 months | 4.45% p.a. | --- | --- | --- | 4.55% p.a. |
| 5 months | 5.15% p.a. | --- | --- | --- | 5.25% p.a. |
| 6 months | 4.35% p.a. | --- | --- | --- | 4.45% p.a. |
| 7 months | 3.75% p.a. | --- | --- | --- | 3.85% p.a. |
| 8 months | 3.75% p.a. | --- | --- | --- | 3.85% p.a. |
| 9 months | 3.75% p.a. | --- | --- | --- | 3.85% p.a. |
| 10 months | 3.45% p.a. | --- | --- | --- | 3.55% p.a. |
| 11 months | 3.90% p.a. | --- | --- | --- | 4.00% p.a. |
| 12 months | 4.10% p.a. | 4.02% p.a. | 4.15% p.a. | --- | 5.00% p.a. |
| 24 months | 3.35% p.a. | 3.37% p.a. | 3.40% p.a. | 3.45% p.a. | --- |
| 36 months | 3.25% p.a. | 3.27% p.a. | 3.30% p.a. | 3.35% p.a. | --- |
55+ and not-for-profit Term Deposit²
| Term | Interest paid fortnightly | Interest paid monthly |
|---|---|---|
| 3 months | --- |
4.00% p.a. |
| 6 months | 4.40% p.a. | 4.45% p.a. |
| 12 months | 4.15% p.a. | 4.20% p.a. |
| 24 months | 3.40% p.a. | 3.45% p.a. |
| 36 months | 3.30% p.a. | 3.35% p.a. |
Farm Management Deposit³
| Term | Interest paid at maurity |
|---|---|
| 12 months | 5.00% p.a. |
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Important information
Banking and Credit products issued by Police & Nurses Limited (BCU Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Eligibility criteria, terms and conditions, fees and charges apply.
Deposits may be guaranteed by the Australian Government’s Financial Claims Scheme, which is a government-backed safety net for deposits of up to $250,000 (per account holder per Authorised Deposit-taking Institution).
1. Minimum investment $1,000. We calculate interest daily by multiplying the balance of your deposit by the fixed interest rate. Interest is paid at maturity for terms under 12 months only. For terms of 12 months or more interest can be paid monthly, quarterly, or annually.
2. Minimum investment $5,000. We calculate interest daily by multiplying the balance of your deposit by the fixed interest rate. Interest is paid at maturity for terms under 12 months only. For terms of 12 months or more interest can be paid monthly, quarterly, or annually.
3. Minimum investment $1,000. The balance of all Farm Management Deposits must not exceed $800,000. This is the case even if Farm Management Deposits are held with different financial institutions.
Funds need to be held in a Farm Management Deposit for a minimum of 12 months to qualify for the tax benefit.
We calculate interest daily by multiplying the balance of your deposit by the fixed interest rate. Interest is paid at maturity for terms under 12 months only. For terms of 12 months or more interest can be paid monthly, quarterly, or annually.