BCU term deposits
BCU has one term deposit that BankMate tracks, with 32 options: 14 terms from 1 month to 3 years, interest paid at maturity, monthly, quarterly, half-yearly or annually.
Term deposit · 14 terms
Term Deposit
5.30%p.a. · 1 year
interest at maturity or monthly or half-yearly or quarterly or annually; from $1,000
52nd of 401 12-month deposits
Rates by term and how interest is paid
- At maturity4.00%
- Monthly3.90%
- Quarterly–
- Half-yearly–
- Annually–
- Terms
- 1 month to 3 years
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- 1 month
- 1.20% · #49 of 62 1-month deposits
- 2 months
- 1.60% · #46 of 68 2-month deposits
- 3 months
- 4.00% · #87 of 164 3-month deposits
- 4 months
- 4.55% · #28 of 88 4-month deposits
- 5 months
- 4.70% · #20 of 79 5-month deposits
- 6 months
- 5.20% · #36 of 180 6-month deposits
- 7 months
- 3.85% · #44 of 92 7-month deposits
- 8 months
- 3.85% · #28 of 81 8-month deposits
- 9 months
- 3.85% · #86 of 149 9-month deposits
- 10 months
- 3.55% · #74 of 86 10-month deposits
- 1 year
- 5.30% · #52 of 401 12-month deposits
- 2 years
- 3.45% · #218 of 255 24-month deposits
- 3 years
- 3.35% · #174 of 221 36-month deposits
- Minimum deposit
- $1,000
- Maximum deposit
- $1,000,000
- Paid
- At maturity or Monthly or Half-yearly or Quarterly or Annually
- Compounding
- daily
- Before maturity
- You may redeem a Term Deposit account you hold at any time prior to the Maturity Date. If you do so, your entitlement to interest on your account will be reduced as follows: i. if the redemption occurs within 30 days of opening your Term Deposit account, no interest will be paid; and ii. if the redemption occurs more than 30 days after … interest will be calculated … at the lower of either; A. the current interest rate applied to your account …; or B. the interest rate most recently published by the Reserve Bank of Australia … as being the "Cash Rate Target"
- Read from
- BCU's own site, 28 October 2026
August 20261 change
- 25Tue
- 5-month, paid monthly: 5.15 → 4.70−0.45
Take control of your investment with a term deposit from BCU Bank, offering a guaranteed rate of return and a high level of security.
Notes on BCU term deposits
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As of 1 November 2026, BCU has one term deposit product tracked by BankMate, over 14 terms from 1 month to 3 years. Its highest rate is 5.30% p.a. on the Term Deposit for 1 year, 52nd of 401 12-month deposits — a term deposit rate means nothing without its term, so each deposit is ranked only against others of the same term. Its rates last changed on 25 August 2026. From the provider's Consumer Data Right feed, refreshed nightly.