Standard Term Deposits
Make the most of your money

Standard Term Deposits

4.60% p.a. 1

6 Months
Interest paid at maturity
On investments $1,000 - $999,999.99

Term deposits are a great way to help build your savings for the future, with added peace of mind knowing that deposits of up to $250,000 in total are protected by the Financial Claims Scheme. Find out more.

BCU Bank offers competitive returns on investments from one month to three years on deposits as little as $1,000.

Here are some of our most popular Standard Term Deposits

4.35% p.a. 1

3 Months
Interest paid at maturity
On investments $1,000 - $999,999.99

4.55% p.a. 1

7 Months
Interest paid at maturity
On investments $1,000 - $999,999.99

4.55% p.a. 1

9 Months
Interest paid at maturity
On investments $1,000 - $999,999.99

4.75% p.a. 1

12 Months
Interest paid at maturity
On investments $1,000 - $999,999.99

Discover exactly how much interest you could earn with our savings and term deposit calculator.

Choose a term and payment frequency that suits you:

Standard TDs

$1,000 to $999,999.99
1 MonthMaturity1.35% p.a.
2 MonthsMaturity1.75% p.a.
3 MonthsMaturity4.35% p.a.
4 MonthsMaturity3.70% p.a.
5 MonthsMaturity3.40% p.a.
6 MonthsMaturity4.60% p.a.
7 MonthsMaturity4.55% p.a.
8 MonthsMaturity3.60% p.a.
9 MonthsMaturity4.55% p.a.
10 MonthsMaturity3.80% p.a.
11 MonthsMaturity3.80% p.a.
12 MonthsMaturity4.75% p.a.
24 MonthsAnnually4.40% p.a.
36 MonthsAnnually4.00% p.a.

Important Information - Term Deposits 1

Term Deposits - Standard Term Deposits, Regular Income Term Deposits, 55+ and Not For Profit Term Deposits rates are current as at Thursday 02 November 2023 and subject to change. All interest rates are calculated on a daily basis.

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Disclaimers & Conditions of Use

    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. Interest can be added to the principal amount, or you can request for it to be credited to your nominated bank account.

    Please note that interest rates for amounts of $1,000,000 and over are by negotiation. For more detailed information please refer to the Term Deposit Terms and Conditions and Term Deposit Interest Rate Schedule.