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Bank profile · Term deposits
LiveBCU term deposits
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As of 18 September 2026, BCU has 39 term deposit products tracked by BankMate, over 12 terms from 3 months to 3 years. Its highest rate is 5.20% p.a. on the 55 Term Deposit - 6M Mthly for 6 months, 13th of 547 6-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.
- Best rate
- 5.20%
- 6 months · 55 Term Deposit - 6M Mthly
- Market rank
- #13
- of 547 6-month deposits
- Terms
- 12
- 39 products
- Last change
- 25 Aug 2026
- 3 changes on record
Rates over time
Best 12-month rate per product- RBA cash rate
- Market average · 12-month deposits
- 55 Term Deposit - 6M Mthly (6 mo)
- 6 Month Term Deposit (6 mo)
- 55 Term Deposit - 6M Ftly (6 mo)
- 6 Month Term Deposit - Mthly (6 mo)
- 12 Month Term Deposit
- 5 Month Term Deposit (6 mo)
- 5 Month Term Deposit - Mthly (6 mo)
- 4 Month Term Deposit (3 mo)
- 4 Month Term Deposit - Mthly (3 mo)
- 55 Term Deposit - 12M Mthly
- 12 Month Term Deposit -6 Mthly
- 55 Term Deposit - 12M Ftly
- 12 Month Term Deposit - Mthly
- 12 Month Term Deposit - Qrtly
- 11 Month Term Deposit
- 3 Month Term Deposit (3 mo)
- 55 Term Deposit - 3M Mthly (3 mo)
- 11 Month Term Deposit - Mthly
- 3 Month Term Deposit - Mthly (3 mo)
- 7 Month Term Deposit (6 mo)
- 8 Month Term Deposit (9 mo)
- 9 Month Term Deposit (9 mo)
- 7 Month Term Deposit - Mthly (6 mo)
- 8 Month Term Deposit - Mthly (9 mo)
- 9 Month Term Deposit - Mthly (9 mo)
- 10 Month Term Deposit (9 mo)
- 10 Month Term Deposit - Mthly (9 mo)
- 24 Month Term Deposit - Yearly (2 yr)
- 55 Term Deposit - 24M Mthly (2 yr)
- 24 Month Term Deposit -6 Mthly (2 yr)
- 55 Term Deposit - 24M Ftly (2 yr)
- 24 Month Term Deposit - Qrtly (2 yr)
- 24 Month Term Deposit - Mthly (2 yr)
- 36 Month Term Deposit - Yearly (3 yr)
- 55 Term Deposit - 36M Mthly (3 yr)
- 36 Month Term Deposit -6 Mthly (3 yr)
- 55 Term Deposit - 36M Ftly (3 yr)
- 36 Month Term Deposit - Qrtly (3 yr)
- 36 Month Term Deposit - Mthly (3 yr)
What changed
3 changes since 9 Apr 2026- 5 Month Term Deposit · 5-month 5.25 → 4.80−0.45
- 5 Month Term Deposit - Mthly · 5-month 5.15 → 4.70−0.45
- 5 Month Term Deposit · 5-month 5.15 → 5.25+0.10
Term deposits
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
- 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
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Notes on BCU term deposits
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