The GMCU Monthly Income Term Deposit - 12 Months pays up to 4.80% p.a. as of 18 September 2026, over a 12-month term, 281st of 590 12-month deposits tracked by BankMate. Interest is paid monthly, from a $4,999 deposit. Its rates last changed on 18 August 2026.
4.80%p.a. · 1 year
interest monthly; from $4,999
Early withdrawal is not allowed.
Rates over time
Best rate per term- 1 year
- RBA cash rate
- Market average · 12-month deposits
Changes
4 changes since 17 Apr 2026- Monthly Income Term Deposit - 12 Months · 12-month 5.30 → 4.80−0.50
- Monthly Income Term Deposit - 12 Months · 12-month 5.40 → 5.30−0.10
- 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
Rates by term
Ranked within each term- 1 year
- 4.80% · #281 of 590 12-month deposits
Deposit
- Minimum deposit
- $4,999
- Maximum deposit
- $1,000,000
Interest
- Paid
- Monthly
- Compounding
- monthly
Early withdrawal
- Before maturity
- Not allowed
About this product
a 12 month, monthly income term deposit available to invest your money and earn a fixed rate of interest. Interest is paid monthly into a gmcu account.