Savings and investments interest rates

Personal

bcu access

Tier	Rate
$0 plus	0.00% p.a.

bcu isaver

Tier	Rate
$0 - $999.99	0.00% p.a.
$1,000 - $4,999.99	0.96% p.a.
$5,000 - $19,999.99	1.06% p.a.
$20,000 - $99,999.99	1.26% p.a.
$100,000 - $249,999.99	1.36% p.a.
$250,000 plus	1.66% p.a.

bcu Dream Saver

Tier	Rate
$0 - $29,999.99	1.54% p.a.
$30,000 plus	0.02% p.a.

bcu scoot's super saver

Tier	Rate
$0 - $49,999.99	2.76% p.a.
$50,000 plus	0.20% p.a.

bcu retirement savings account

Tier	Rate
$0 - $1,999.99	0.56% p.a.
$2,000 - $9,999.99	0.96% p.a.
$10,000 - $49,999.99	1.41% p.a.
$50,000 - $99,999.99	1.56% p.a.
$100,000 plus	1.85% p.a.

bcu advantage saver

Tier	Rate
$0 - $1,999.99	0.25% p.a.
$2,000 - $47,999.99	1.15% p.a.
$48,000 plus	1.86% p.a.

bcu Christmas club

Tier	Rate
$0 plus	0.75% p.a.

Business

bcu Business Access

Tier	Rate
$0 - $99,999.99	0.00% p.a.
$100,000 - $249,999.99	0.05% p.a.
$250,000 - $499,999.99	0.30% p.a.
$500,000 - $999,999.99	0.75% p.a.
$1,000,000+	0.85% p.a.

bcu Business iSaver

Tier	Rate
$0 - $4,999.99	0.00% p.a.
$5,000 plus	0.95% p.a.

bcu business basic access

Tier	Rate
$0 plus	0.00% p.a.

Term Deposits

Standard TDs

Term	Interest Frequency	$1,000 - $99,999.99	$100,000 - $999,999.99
1 Month	Maturity	1.30% p.a.	1.40% p.a.
2 Months	Maturity	1.40% p.a.	1.50% p.a.
3 Months	Maturity	1.60% p.a.	1.70% p.a.
4 Months	Maturity	1.60% p.a.	1.70% p.a.
5 Months	Maturity	1.60% p.a.	1.70% p.a.
6 Months	Maturity	1.60% p.a.	1.70% p.a.
7 Months	Maturity	1.55% p.a.	1.65% p.a.
8 Months	Maturity	1.55% p.a.	1.65% p.a.
9 Months	Maturity	1.65% p.a.	1.75% p.a.
10 Months	Maturity	1.55% p.a.	1.65% p.a.
11 Months	Maturity	1.55% p.a.	1.65% p.a.
12 Months	Maturity	1.60% p.a.	1.70% p.a.
24 Months	Annually	1.50% p.a.	1.60% p.a.
36 Months	Annually	1.55% p.a.	1.65% p.a.

Regular Income TDs

Term	Interest Frequency	$1,000 - $99,999.99	$100,000 - $999,999.99
3 Months	Monthly	1.50% p.a.	1.60% p.a.
4 Months	Monthly	1.50% p.a.	1.60% p.a.
5 Months	Monthly	1.50% p.a.	1.60% p.a.
6 Months	Monthly	1.50% p.a.	1.60% p.a.
7 Months	Monthly	1.45% p.a.	1.55% p.a.
8 Months	Monthly	1.45% p.a.	1.55% p.a.
9 Months	Monthly	1.55% p.a.	1.65% p.a.
10 Months	Monthly	1.45% p.a.	1.55% p.a.
11 Months	Monthly	1.45% p.a.	1.55% p.a.
12 Months	Monthly	1.50% p.a.	1.60% p.a.
24 Months	Monthly	1.40% p.a.	1.50% p.a.
36 Months	Monthly	1.45% p.a.	1.55% p.a.
12 Months	Quarterly	1.52% p.a.	1.62% p.a.
24 Months	Quarterly	1.42% p.a.	1.52% p.a.
36 Months	Quarterly	1.47% p.a.	1.57% p.a.
12 Months	Six Monthly	1.55% p.a.	1.65% p.a.
24 Months	Six Monthly	1.45% p.a.	1.55% p.a.
36 Months	Six Monthly	1.50% p.a.	1.60% p.a.

55+ and Not For Profit Term Deposits

Term	Interest Frequency	$5,000 - $99,999.99	$100,000 - $999,999.99
6 Months	Fortnightly	1.60% p.a.	1.70% p.a.
12 Months	Fortnightly	1.60% p.a.	1.70% p.a.
24 Months	Fortnightly	1.50% p.a.	1.60% p.a.
36 Months	Fortnightly	1.55% p.a.	1.65% p.a.
3 Months	Monthly	1.65% p.a.	1.75% p.a.
6 Months	Monthly	1.65% p.a.	1.75% p.a.
12 Months	Monthly	1.65% p.a.	1.75% p.a.
24 Months	Monthly	1.55% p.a.	1.65% p.a.
36 Months	Monthly	1.60% p.a.	1.70% p.a.

Farm Management Deposits

Term	Interest Frequency	$1,000 - $99,999.99	$100,000 - $800,000.00
12 Months	Maturity	2.30% p.a.	2.30% p.a.

Other terms and interest payment frequencies may be available on request.

Important Information - Savings
These rates are effective as at 01 November 2019 and are subject to change. All interest rates are calculated on a daily basis.

Important Information - Investments
These rates are effective as at 12 December 2019 and are 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.

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.