Provider
LiveBCU
As of 18 September 2026, BCU has 61 products across five of the 8 pillars BankMate tracks: 2 savings accounts, 2 credit cards, 16 home loans, 39 term deposits and 2 personal loans. Its highest-placed product is 55 Term Deposit - 6M Mthly at 5.20% p.a. for 6 months, 13th of 547 6-month deposits. Its rates last moved on 25 August 2026.
- Pillars
- 5 of 8
- No superannuation, share trading, crypto exchange
- Products tracked
- 61
- 2 savings accounts · 2 credit cards · 16 home loans
- Highest placed
- #13
- 55 Term Deposit - 6M Mthly · of 547 6-month deposits
- Last change
- 25 Aug 2026
- 5 changes on record
What changed
5 changes across 2 pillars since 18 Feb 2026- Term deposits5 Month Term Deposit · 5-month 5.25 → 4.80−0.45
- Term deposits5 Month Term Deposit - Mthly · 5-month 5.15 → 4.70−0.45
- Savings accounts2 accounts up 0.15 to 0.2527 days after the RBA rise to 4.35%mixed
- Boss Saver 5.10 → 5.25
- Power Saver 4.85 → 5.10
- Term deposits5 Month Term Deposit · 5-month 5.15 → 5.25+0.10
- Savings accounts2 accounts up 0.25 to 0.3515 days after the RBA rise to 4.10%mixed
- Boss Saver 4.75 → 5.10
- Power Saver 4.60 → 4.85
Savings accounts · 2
Total rate, conditions met · ranked among 94 accounts$500 deposit a month · 5 card purchases
5.25%#17 of 940.20% base + 5.05% bonus
- Debit card use
- 5+/month
- Monthly deposits
- $500/month
- Age
- 18+ years
$100 deposit a month · no withdrawals · bonus up to $250k
5.10%#33 of 940.50% base + 4.60% bonus
- Monthly deposits
- $100/month
- Withdrawals
- Not allowed
- Balance range
- $0 - $250,000
- Age
- 18+ years
Full savings accounts record for BCU →
Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for BCU · Compare all savings accounts
Credit cards · 2
Ranked by bonus net of first-year fee · of 51 bonus cardsCashback · 1
- Annual fee
- $89
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- Cashback
- Base earn rate
- 0.49% back
- Purchase rate
- 13.05% p.a.
- Cash advance rate
- 14.80% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
No rewards · 1
- Annual fee
- $45
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- None
- Purchase rate
- 11.95% p.a.
- Cash advance rate
- 14.80% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Full credit cards record for BCU →
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare all credit cards · Card report
Home loans · 16
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 12
Variable · P&I · Owner-occupier · ≤60% LVR · redraw · no ongoing fee
6.02%#7 of 107comparison · 5.99% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 60.01–80% LVR · redraw · no ongoing fee
6.07%#10 of 107comparison · 6.04% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤60% LVR · offset account · redraw · no ongoing fee
6.17%#17 of 107comparison · 6.14% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 60.01–80% LVR · offset account · redraw · no ongoing fee
6.26%#31 of 107comparison · 6.23% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 80.01–95% LVR · redraw · no ongoing fee
6.32%#39 of 107comparison · 6.29% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Show 7 more
Variable · P&I · Investor · ≤70% LVR · redraw · no ongoing fee
6.32%#6 of 81comparison · 6.29% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 80.01–95% LVR · offset account · redraw · no ongoing fee
6.42%#51 of 107comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · 70.01–95% LVR · redraw · no ongoing fee
6.42%#16 of 81comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · offset account · redraw · no ongoing fee
6.47%#23 of 81comparison · 6.44% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · redraw · no ongoing fee
6.50%#14 of 80comparison · 6.69% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · offset account · redraw · no ongoing fee
6.81%#37 of 80comparison · 7.62% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · no ongoing fee
9.79%#107 of 107comparison · 9.76% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Fixed · 4
1yr Fixed · P&I · Owner-occupier · no ongoing fee · 5 variants
1y 6.26%2y 6.27%3y 6.39%4y 6.44%5y 6.50%6.26%#7 of 49comparison · 6.27% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
1yr Fixed · Interest Only · Owner-occupier · no ongoing fee · 5 variants
6.27%#4 of 30comparison · 6.37% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
2yr Fixed · P&I · Investor · no ongoing fee · 5 variants
6.46%#6 of 45comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
2yr Fixed · Interest Only · Investor · no ongoing fee · 5 variants
6.48%#5 of 45comparison · 6.49% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Full home loans record for BCU →
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Term deposits · 39
Best rate per product, by term · ranked within each term- 5.20%#13 of 547
6 months
- 6 months
- 5.20% · #13 of 547
- Minimum deposit
- $5,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 5.20%#13 of 547
6 months
- 6 months
- 5.20% · #13 of 547
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 5.15%#34 of 547
6 months
- 6 months
- 5.15% · #34 of 547
- Minimum deposit
- $5,000
- Maximum deposit
- $1,000,000
- Interest paid
- At maturity
- Early withdrawal
- Not allowed
- 5.10%#43 of 547
6 months
- 6 months
- 5.10% · #43 of 547
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 5.00%#203 of 590
1 year
- 1 year
- 5.00% · #203 of 590
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Not allowed
Show 34 more
- 4.80%#162 of 547
5 months
- 6 months
- 4.80% · #162 of 547
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 4.70%#182 of 547
5 months
- 6 months
- 4.70% · #182 of 547
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 4.55%#138 of 369
4 months
- 3 months
- 4.55% · #138 of 369
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 4.45%#154 of 369
4 months
- 3 months
- 4.45% · #154 of 369
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 4.20%#368 of 590
1 year
- 1 year
- 4.20% · #368 of 590
- Minimum deposit
- $5,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 4.15%#370 of 590
1 year
- 1 year
- 4.15% · #370 of 590
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 4.15%#370 of 590
1 year
- 1 year
- 4.15% · #370 of 590
- Minimum deposit
- $5,000
- Maximum deposit
- $1,000,000
- Interest paid
- At maturity
- Early withdrawal
- Not allowed
- 4.10%#373 of 590
1 year
- 1 year
- 4.10% · #373 of 590
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 4.02%#378 of 590
1 year
- 1 year
- 4.02% · #378 of 590
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Quarterly
- Early withdrawal
- Not allowed
- 4.00%#379 of 590
11 months
- 1 year
- 4.00% · #379 of 590
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 4.00%#215 of 369
3 months
- 3 months
- 4.00% · #215 of 369
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Quarterly
- Early withdrawal
- Not allowed
- 4.00%#215 of 369
3 months
- 3 months
- 4.00% · #215 of 369
- Minimum deposit
- $5,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 3.90%#474 of 590
11 months
- 1 year
- 3.90% · #474 of 590
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 3.90%#225 of 369
3 months
- 3 months
- 3.90% · #225 of 369
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 3.85%#383 of 547
7 months
- 6 months
- 3.85% · #383 of 547
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 3.85%#282 of 500
8 months
- 9 months
- 3.85% · #282 of 500
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 3.85%#282 of 500
9 months
- 9 months
- 3.85% · #282 of 500
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 3.75%#400 of 547
7 months
- 6 months
- 3.75% · #400 of 547
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 3.75%#303 of 500
8 months
- 9 months
- 3.75% · #303 of 500
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 3.75%#303 of 500
9 months
- 9 months
- 3.75% · #303 of 500
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 3.55%#453 of 500
10 months
- 9 months
- 3.55% · #453 of 500
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 3.45%#491 of 500
10 months
- 9 months
- 3.45% · #491 of 500
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 3.45%#346 of 394
2 years
- 2 years
- 3.45% · #346 of 394
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 3.45%#346 of 394
2 years
- 2 years
- 3.45% · #346 of 394
- Minimum deposit
- $5,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 3.40%#348 of 394
2 years
- 2 years
- 3.40% · #348 of 394
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 3.40%#348 of 394
2 years
- 2 years
- 3.40% · #348 of 394
- Minimum deposit
- $5,000
- Maximum deposit
- $1,000,000
- Interest paid
- At maturity
- Early withdrawal
- Not allowed
- 3.37%#354 of 394
2 years
- 2 years
- 3.37% · #354 of 394
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Quarterly
- Early withdrawal
- Not allowed
- 3.35%#355 of 394
2 years
- 2 years
- 3.35% · #355 of 394
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 3.35%#290 of 345
3 years
- 3 years
- 3.35% · #290 of 345
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 3.35%#290 of 345
3 years
- 3 years
- 3.35% · #290 of 345
- Minimum deposit
- $5,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 3.30%#292 of 345
3 years
- 3 years
- 3.30% · #292 of 345
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 3.30%#292 of 345
3 years
- 3 years
- 3.30% · #292 of 345
- Minimum deposit
- $5,000
- Maximum deposit
- $1,000,000
- Interest paid
- At maturity
- Early withdrawal
- Not allowed
- 3.27%#306 of 345
3 years
- 3 years
- 3.27% · #306 of 345
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Quarterly
- Early withdrawal
- Not allowed
- 3.25%#307 of 345
3 years
- 3 years
- 3.25% · #307 of 345
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
Full term deposits record for BCU →
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Personal loans · 2
Comparison rate · ranked within unsecured or secured loansUnsecured · variable · car loan · $200 application
7.05%#35 of 212comparison · from 6.74% advertised
- Advertised rate
- from 6.74% p.a.
- Comparison rate
- 7.05% p.a.
- Rate type
- Variable
- Application fee
- $200
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $4,000 – $150,000
- Extra repayments
- Yes
Unsecured · variable · any purpose · $200 application
9.84%#122 of 212comparison · from 9.55% advertised
- Advertised rate
- from 9.55% p.a.
- Comparison rate
- 9.84% p.a.
- Rate type
- Variable
- Application fee
- $200
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $4,000 – $100,000
- Extra repayments
- Yes
Full personal loans record for BCU →
Lenders publish the lowest rate in their range; the rate offered depends on the applicant. Compare all personal loans · Personal loan report
BCU has no superannuation, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.
Notes on BCU
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