Savings and investments interest rates
Personal
bcu access
Tier | Rate |
---|---|
$0 - plus | 0.00% p.a. |
bcu concession account
Tier | Rate |
---|---|
$0 - plus | 0.00% p.a. |
bcu advantage saver
Tier | Rate |
---|---|
$0 - $1,999.99 | 0.00% p.a. |
$2,000 - $47,999.99 | 1.80% p.a. |
$48,000 - plus | 2.20% p.a. |
bcu Christmas club
Tier | Rate |
---|
bcu isaver
Tier | Rate |
---|---|
$0 - $999.99 | 0.00% p.a. |
$1,000 - $19,999.99 | 2.85% p.a. |
$20,000 - $249,999.99 | 3.25% p.a. |
$250,000 - plus | 3.30% p.a. |
bcu Dream Saver
Tier | Rate |
---|
bcu scoot's super saver
Tier | Rate |
---|
Business
bcu Business Access
Tier | Rate |
---|---|
$0 - plus | 0.00% p.a. |
bcu business basic access
Tier | Rate |
---|---|
$0 - plus | 0.00% p.a. |
bcu Business iSaver
Tier | Rate |
---|---|
$0 - $4,999.99 | 1.00% p.a. |
$5,000 - plus | 1.50% p.a. |
Term Deposits
See all Term Deposit rates (PDF)
Standard TDs
Term | Interest Frequency | $1,000 to $999,999.99 |
---|---|---|
1 Month | Maturity | 1.35% p.a. |
2 Months | Maturity | 1.75% p.a. |
3 Months | Maturity | 4.40% p.a. |
4 Months | Maturity | 3.70% p.a. |
5 Months | Maturity | 3.40% p.a. |
6 Months | Maturity | 4.70% p.a. |
7 Months | Maturity | 4.00% p.a. |
8 Months | Maturity | 4.00% p.a. |
9 Months | Maturity | 4.40% p.a. |
10 Months | Maturity | 3.80% p.a. |
11 Months | Maturity | 3.80% p.a. |
12 Months | Maturity | 4.50% p.a. |
24 Months | Annually | 4.40% p.a. |
36 Months | Annually | 4.00% p.a. |
Regular Income TDs
Term | Interest Frequency | $1,000 to $999,999.99 |
---|---|---|
3 Months | Monthly | 4.30% p.a. |
4 Months | Monthly | 3.60% p.a. |
5 Months | Monthly | 3.30% p.a. |
6 Months | Monthly | 4.60% p.a. |
7 Months | Monthly | 3.90% p.a. |
8 Months | Monthly | 3.90% p.a. |
9 Months | Monthly | 4.30% p.a. |
10 Months | Monthly | 3.70% p.a. |
11 Months | Monthly | 3.70% p.a. |
12 Months | Monthly | 4.40% p.a. |
24 Months | Monthly | 4.30% p.a. |
36 Months | Monthly | 3.90% p.a. |
12 Months | Quarterly | 4.42% p.a. |
24 Months | Quarterly | 4.32% p.a. |
36 Months | Quarterly | 3.92% p.a. |
12 Months | Six Monthly | 4.45% p.a. |
24 Months | Six Monthly | 4.35% p.a. |
36 Months | Six Monthly | 3.95% p.a. |
55+ and Not For Profit Term Deposits
Term | Interest Frequency | $5,000 to $999,999.99 |
---|---|---|
6 Months | Fortnightly | 4.65% p.a. |
12 Months | Fortnightly | 4.45% p.a. |
24 Months | Fortnightly | 4.35% p.a. |
36 Months | Fortnightly | 3.95% p.a. |
3 Months | Monthly | 4.40% p.a. |
6 Months | Monthly | 4.70% p.a. |
12 Months | Monthly | 4.50% p.a. |
24 Months | Monthly | 4.40% p.a. |
36 Months | Monthly | 4.00% p.a. |
Farm Management Deposits
Term | Interest Frequency | $1,000 to $800,000 |
---|---|---|
12 Months | Maturity | 4.55% p.a. |
Other terms and interest payment frequencies may be available on request.
Important Information - Savings
These rates are effective as at Friday 12 April 2024 and are subject to change. All interest rates are calculated on a daily basis.
Important Information - Investments
Term Deposits - Standard Term Deposits, Regular Income Term Deposits, 55+ and Not For Profit Term Deposits rates are current as at Tuesday 07 March 2023 and subject to change.
Interest can only be added to the principal on maturity (excluding Farm Management Deposits where interest cannot be capitalised). Interest paid monthly or annually must be paid into a bcu savings or loan product, by cheque or transfer to an external account. Interest will be calculated daily. Early withdrawal for terms 1 to 24 months is at bcu's discretion for the full or partial withdrawal of the investment before maturity. Terms greater than 24 months are subject to seven days notice for the full or partial withdrawal of the investment before maturity. If withdrawn early, the rate of interest payable on the investment for the whole of the term to the date of withdrawal will be the rate applying to the Christmas Club Account at the time of withdrawal and may result in the recovery of interest already paid. Please note that interest rates for amounts of $1,000,000 and over are by negotiation.
www.bcu.com.au | 1300 228 228 | bsb: 533 000
Banking products issued by Police & Nurses Limited ABN 69 087 651 876 Australian Credit Licence / AFSL 240701. bcu is a division of Police & Nurses Limited. You should consider whether this advice is appropriate for you and read the Terms and Conditions, Fees and Charges Schedule and Financial Services Guide available from www.bcu.com.au or at any bcu store before acquiring any basic deposit product. Loans available to approved applicants only. Normal lending criteria, terms and conditions apply. Interest rates, fees and charges are payable and are subject to change without notice. Please read bcu's Credit Guide and Schedules of Fees and Charges for home loans and personal loans available from www.bcu.com.au or at any bcu store before acquiring a bcu loan or credit product.