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Bank profile · Term deposits
LiveGMCU term deposits
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As of 18 September 2026, GMCU has eight term deposit products tracked by BankMate, over six terms from 5 months to 2 years. Its highest rate is 5.00% p.a. on the Fixed Term Deposit - 6 to 8 months for 8 months, 77th of 500 9-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 19 August 2026.
- Best rate
- 5.00%
- 8 months · Fixed Term Deposit - 6 to 8 months
- Market rank
- #77
- of 500 9-month deposits
- Terms
- 6
- 8 products
- Last change
- 19 Aug 2026
- 12 changes on record
Rates over time
Best 12-month rate per product- RBA cash rate
- Market average · 12-month deposits
- Fixed Term Deposit - 6 to 8 months (9 mo)
- Fixed Term Deposit - 12 months
- Monthly Income Term Deposit - 6 months (6 mo)
- Monthly Income Term Deposit - 12 Months
- Fixed Term Deposit - 24 months (2 yr)
- Monthly Income Term Deposit - 24 months (2 yr)
- Fixed Term Deposit - 9 to 10 months (9 mo)
- Fixed Term Deposit - 3 to 5 months (6 mo)
What changed
12 changes since 17 Apr 2026- Fixed Term Deposit - 24 months · 24-month 5.00 → 4.65−0.35
- Monthly Income Term Deposit - 24 months · 24-month 4.90 → 4.55−0.35
- Monthly Income Term Deposit - 12 Months · 12-month 5.30 → 4.80−0.50
- Fixed Term Deposit - 12 months · 12-month 5.40 → 4.90−0.50
- Monthly Income Term Deposit - 24 months · 24-month 5.50 → 4.90−0.60
- Monthly Income Term Deposit - 12 Months · 12-month 5.40 → 5.30−0.10
Show 6 earlier changes
- Monthly Income Term Deposit - 24 months · 24-month 4.90 → 5.50+0.60
- Monthly Income Term Deposit - 24 months · 24-month 5.50 → 4.90−0.60
- Fixed Term Deposit - 12 months · 12-month 5.50 → 5.40−0.10
- Fixed Term Deposit - 24 months · 24-month 5.60 → 5.00−0.60
- Monthly Income Term Deposit - 12 Months · 12-month 4.40 → 5.4033 days after the RBA rise to 4.10%+1.00
- Monthly Income Term Deposit - 12 Months · 12-month 5.40 → 4.40−1.00
Term deposits
Best rate per product, by term · ranked within each term- 5.00%#77 of 500
8 months
- 9 months
- 5.00% · #77 of 500
- Minimum deposit
- $4,999
- Maximum deposit
- $2,000,000
- Interest paid
- At maturity
- Early withdrawal
- Not allowed
- 4.90%#249 of 590
1 year
- 1 year
- 4.90% · #249 of 590
- Minimum deposit
- $4,999
- Maximum deposit
- $1,000,000
- Interest paid
- At maturity
- Early withdrawal
- Not allowed
- 4.90%#137 of 547
6 months
- 6 months
- 4.90% · #137 of 547
- Minimum deposit
- $4,999
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 4.80%#281 of 590
1 year
- 1 year
- 4.80% · #281 of 590
- Minimum deposit
- $4,999
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 4.65%#169 of 394
2 years
- 2 years
- 4.65% · #169 of 394
- Minimum deposit
- $4,999
- Maximum deposit
- $1,000,000
- Interest paid
- Annually
- Early withdrawal
- Not allowed
- 4.55%#192 of 394
2 years
- 2 years
- 4.55% · #192 of 394
- Minimum deposit
- $4,999
- Maximum deposit
- $1,000,000
- Interest paid
- Monthly
- Early withdrawal
- Not allowed
- 3.70%#324 of 500
10 months
- 9 months
- 3.70% · #324 of 500
- Minimum deposit
- $4,999
- Maximum deposit
- $1,000,000
- Interest paid
- At maturity
- Early withdrawal
- Not allowed
- 3.60%#424 of 547
5 months
- 6 months
- 3.60% · #424 of 547
- Minimum deposit
- $4,999
- Maximum deposit
- $3,000,000
- Interest paid
- At maturity
- Early withdrawal
- Not allowed
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
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