Savings and investments interest rates
| bcu access | |
| $0 plus | 0.00% p.a. |
| bcu basic access (no longer offered) | |
| $0 plus | 0.00% p.a. |
| bcu isaver | |
| $0 - $999.99 | 0.00% p.a. |
| $1,000 - $4,999.99 | 1.56% p.a. |
| $5,000 - $19,999.99 | 1.71% p.a. |
| $20,000 - $99,999.99 | 1.96% p.a. |
| $100,000 - $249,999.99 | 2.11% p.a. |
| $250,000 plus | 2.41% p.a. |
| bcu Dream Saver | ||
| $0 - $29,999.99 | $30,000 plus | |
| Standard interest | 0.50% p.a. | 0.01% p.a. |
| Bonus interest | 2.00% p.a. | 0.01% p.a. |
| Total rate with bonus interest | 2.50% p.a. | 0.02% p.a. |
| bcu Christmas club | ||
| $0 plus | 0.75% p.a. | |
| bcu saver (no longer offered) | |
| $0 - $999.99 | 0.00% p.a. |
| $1,000 - $19,999.99 | 0.06% p.a. |
| $20,000 - $49,999.99 | 0.56% p.a. |
| $50,000 - $99,999.99 | 0.81% p.a. |
| $100,000 - $249,999.99 | 1.06% p.a. |
| $250,000 plus | 1.51% p.a. |
| bcu retirement savings account | |
| $0 - $1,999.99 | 0.66% p.a. |
| $2,000 - $9,999.99 | 1.06% p.a. |
| $10,000 - $49,999.99 | 1.56% p.a. |
| $50,000 - $99,999.99 | 1.76% p.a. |
| $100,000 plus | 2.11% p.a. |
| bcu advantage saver | |
| $0 - $1,999.99 | 0.35% p.a. |
| $2,000 - $47,999.99 | 1.60% p.a. |
| $48,000 plus | 2.61% p.a. |
| bcu scoot's super saver | ||
| $0 - $49,999.99 | $50,000 plus | |
| Standard interest | 0.75% p.a. | 0.10% p.a. |
| Bonus interest | 2.75% p.a. | 0.10% p.a. |
| Total rate with bonus interest | 3.50% p.a. | 0.20% p.a. |
| bcu Business Access | |
| $0 - $99,999.99 | 0.00% p.a. |
| $100,000 - $249,999.99 | 0.05% p.a. |
| $250,000 - $499,999.99 | 0.50% p.a. |
| $500,000 - $999,999.99 | 1.00% p.a. |
| $1,000,000+ | 1.25% p.a. |
| bcu business basic access | |
| $0 plus | 0.00% p.a. |
| bcu Business iSaver | |
| $0 - $4,999.99 | 0.00% p.a. |
| $5,000 plus | 1.60% p.a. |
| Term | Interest Frequency | $1,000 - $4,999 | $5,000 - $19,999 | $20,000 - $49,999 | $50,000 - $99,999 | $100,000 - $249,999 | $250,000 - $999,999 |
| 1 Month | I1 | Maturity | 0.66% | 1.61% | 1.66% | 1.66% | 1.71% | 1.76% |
| 2 Month | I38 | Maturity | 0.71% | 1.66% | 1.71% | 1.71% | 1.76% | 1.81% |
| 3 Months | I39 | Monthly | 0.95% | 1.90% | 1.95% | 1.95% | 2.00% | 2.05% | I40 | Maturity | 1.05% | 2.00% | 2.05% | 2.05% | 2.10% | 2.25% |
| 4 Months | I4 | Monthly | 0.61% | 1.56% | 1.61% | 1.61% | 1.66% | 1.71% | Maturity | 0.71% | 1.66% | 1.71% | 1.71% | 1.76% | 1.81% |
| 5 Months | I5 | Monthly | 0.61% | 1.56% | 1.61% | 1.61% | 1.66% | 1.71% | Maturity | 0.71% | 1.66% | 1.71% | 1.71% | 1.76% | 1.81% |
| 6 Months | I90 | Monthly | 1.10% | 2.05% | 2.10% | 2.10% | 2.15% | 2.20% | Maturity | 1.20% | 2.15% | 2.20% | 2.20% | 2.25% | 2.45% |
| 7 Months | I7 | Monthly | 0.61% | 1.56% | 1.61% | 1.61% | 1.66% | 1.71% | Maturity | 0.71% | 1.66% | 1.71% | 1.71% | 1.76% | 1.81% |
| 8 Months | I8 | Monthly | 0.61% | 1.56% | 1.61% | 1.61% | 1.66% | 1.71% | Maturity | 0.71% | 1.66% | 1.71% | 1.71% | 1.76% | 1.81% |
| 9 Months | I43 | Monthly | 0.61% | 1.56% | 1.61% | 1.61% | 1.66% | 1.71% | I41 | Maturity | 0.71% | 1.66% | 1.71% | 1.71% | 1.76% | 1.81% |
| 10 Months | I10 | Monthly | 0.61% | 1.56% | 1.61% | 1.61% | 1.66% | 1.71% | Maturity | 0.71% | 1.66% | 1.71% | 1.71% | 1.76% | 1.81% |
| 11 Months | I11 | Monthly | 0.61% | 1.56% | 1.61% | 1.61% | 1.66% | 1.71% | Maturity | 0.71% | 1.66% | 1.71% | 1.71% | 1.76% | 1.81% |
| 12 Months | I44 | Monthly | 1.10% | 2.05% | 2.10% | 2.10% | 2.15% | 2.20% | I45 | Quarterly | 1.15% | 2.10% | 2.15% | 2.15% | 2.20% | 2.25% | I46 | Six Monthly | 1.20% | 2.15% | 2.20% | 2.20% | 2.25% | 2.30% | I47 | Maturity | 1.25% | 2.25% | 2.30% | 2.30% | 2.35% | 2.40% |
| 24 Months | I54 | Monthly | 2.25% | 2.30% | 2.35% | 2.40% | 2.45% | 2.40% | I55 | Quarterly | 2.30% | 2.35% | 2.40% | 2.45% | 2.50% | 2.45% | I56 | Six Monthly | 2.30% | 2.35% | 2.40% | 2.45% | 2.50% | 2.50% | I57 | Annually | 2.35% | 2.40% | 2.45% | 2.50% | 2.55% | 2.60% |
| 36 Months | I64 | Monthly | 1.35% | 2.30% | 2.35% | 2.35% | 2.40% | 2.45% | I65 | Quarterly | 1.40% | 2.35% | 2.40% | 2.40% | 2.45% | 2.50% | I66 | Six Monthly | 1.45% | 2.40% | 2.45% | 2.45% | 2.50% | 2.55% | I67 | Annually | 1.60% | 2.55% | 2.60% | 2.60% | 2.65% | 2.70% |
| Term | Interest Frequency | $5,000 - $19,999 | $20,000 - $49,999 | $50,000 - $99,999 | $100,000 - $249,999 | $250,000 - $999,999 | |
| 3 Months | I34 | Monthly | 2.05% | 2.10% | 2.10% | 2.15% | 2.30% |
| 6 Months | I35 | Monthly | 2.20% | 2.25% | 2.25% | 2.30% | 2.50% | I78 | Fortnightly | 2.15% | 2.20% | 2.20% | 2.25% | 2.30% |
| 12 Months | I15 | Monthly | 2.30% | 2.35% | 2.35% | 2.40% | 2.45% | I79 | Fortnightly | 2.25% | 2.30% | 2.30% | 2.35% | 2.40% |
| 24 Months | I17 | Monthly | 2.50% | 2.55% | 2.60% | 2.60% | 2.65% | I81 | Fortnightly | 2.45% | 2.50% | 2.55% | 2.55% | 2.60% |
| 36 Months | I19 | Monthly | 2.60% | 2.65% | 2.65% | 2.70% | 2.75% | I83 | Fortnightly | 2.55% | 2.60% | 2.60% | 2.65% | 2.70% |
| Term | Interest Frequency | $1,000 - $4,999 | $5,000 - $19,999 | $20,000 - $49,999 | $50,000 - $99,999 | $100,000 - $249,999 | $250,000 - $800,000 |
| 12 Months | I21 | Maturity | 2.70% | 2.70% | 2.70% | 2.70% | 2.70% | 2.70% |
Important Information - Savings
These rates are effective as at 22 November 2018 and are subject to change. All interest rates are calculated on a daily basis.
Important Information - Investments
These rates are effective as at 22 November 2018 and are subject to change.
The current special offers are rates for 3, 6 and 12 month Investments and all 55 Plus Investments.
Interest can only be added to the principal on maturity (excluding Farm Management Deposits where interest cannot be capitalised). Interest paid fortnightly, monthly, quarterly, six 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.
Please refer to our Product and Access Facility Terms and Conditions, Fees and Charges Schedules and Interest Rate Schedules for full details. These documents are also available at any bcu store.