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Standard Term Deposit
Make the most of your money

Standard Term Deposits

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

If you’re already a bcu member and have access to bcu iBank, select 'Quick apply for members'.

Alternatively, if you’re new to bcu or want to talk about term deposit options that may be best suited to you, request a callback and speak to one of our experienced and friendly staff.


Here are some of our most popular Standard Term Deposits

1.25% p.a. 1

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

1.75% p.a. 1

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

2.35% p.a. 1

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

2.35% p.a. 1

24 Months
Interest paid annually
On investments $1,000 - $999,999.99



Choose a term and payment frequency that suits you:

Standard TDs

TermInterest
Frequency
$1,000 to $999,999.99
1 MonthMaturity0.85% p.a.
2 MonthsMaturity0.85% p.a.
3 MonthsMaturity1.25% p.a.
4 MonthsMaturity1.00% p.a.
5 MonthsMaturity1.00% p.a.
6 MonthsMaturity1.75% p.a.
7 MonthsMaturity0.95% p.a.
8 MonthsMaturity0.95% p.a.
9 MonthsMaturity0.95% p.a.
10 MonthsMaturity0.95% p.a.
11 MonthsMaturity0.95% p.a.
12 MonthsMaturity2.35% p.a.
24 MonthsAnnually2.35% p.a.
36 MonthsAnnually2.75% p.a.

Important Information - Investments 1

Rates current as at 06 July 2022 and subject to change. All interest rates are calculated on a daily basis.

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Disclaimers & Conditions of Use

    1. Interest can only be added to the principal on maturity. Interest paid 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.

    Please refer to our Term Deposit Account Terms and Conditions and Term Deposit Interest Rate Schedule.