GMCU term deposits
GMCU has one term deposit that BankMate tracks, with 8 options: five terms from 3 months to 2 years, interest paid at maturity, monthly or annually.
Term deposit · 5 terms
Term Deposit
5.25%p.a. · 6 months
interest at maturity or monthly or annually; from $100
21st of 180 6-month deposits
Rates by term and how interest is paid
- At maturity3.60%
- Monthly–
- Annually–
- Terms
- 3 months to 2 years
- Minimum deposit
- $100
- Maximum deposit
- $3,000,000
- To break it early
- 31 days' notice
- 3 months
- 3.60% · #98 of 164 3-month deposits
- 6 months
- 5.25% · #21 of 180 6-month deposits
- 9 months
- 3.70% · #103 of 149 9-month deposits
- 1 year
- 5.15% · #151 of 401 12-month deposits
- 2 years
- 4.90% · #100 of 255 24-month deposits
- Minimum deposit
- $100
- Maximum deposit
- $3,000,000
- Paid
- At maturity or Monthly or Annually
- Compounding
- daily
- Notice
- 31 days' notice
- Before maturity
- If you wish to withdraw funds from your Term Deposit prior to maturity, we may require 31 days' notice. The notice period commences on the first business day after you give us notice. … The interest paid on the amount withdrawn will be the lower of the original invested rate, or the Christmas Saver (S4) account rate at the time of early withdrawal, for the period since it was lodged. … Term Deposit Early Withdrawal Fee $25.00
- Read from
- GMCU's own site, 28 October 2026
October 20261 change
- 6Tue
- 3 terms up 0.256 days after the RBA rise to 4.60%+0.25
6-month, paid at maturity 5.00 5.25 +0.25 6-month, paid monthly 4.90 5.15 +0.25 12-month, paid at maturity 4.90 5.15 +0.25 12-month, paid monthly 4.80 5.05 +0.25 24-month, paid monthly 4.55 4.80 +0.25 24-month, paid annually 4.65 4.90 +0.25
August 20262 changes
- 19Wed
- 24-month, paid annually: 5.00 → 4.65−0.35
- 18Tue
- 2 terms cut 0.35 to 0.50−0.50 to −0.35
12-month, paid at maturity 5.40 4.90 −0.50 12-month, paid monthly 5.30 4.80 −0.50 24-month, paid monthly 4.90 4.55 −0.35
June 20263 changes
- 25Thu
- 2 terms cut 0.10 to 0.60−0.60 to −0.10
12-month, paid monthly 5.40 5.30 −0.10 24-month, paid monthly 5.50 4.90 −0.60
- 24Wed
- 24-month, paid monthly: 4.90 → 5.50+0.60
- 23Tue
- 2 terms cut 0.10 to 0.60−0.60 to −0.10
12-month, paid at maturity 5.50 5.40 −0.10 24-month, paid monthly 5.50 4.90 −0.60 24-month, paid annually 5.60 5.00 −0.60
April 20262 changes
- 20Mon
- 12-month, paid monthly: 4.40 → 5.4033 days after the RBA rise to 4.10%+1.00
- 19Sun
- 12-month, paid monthly: 5.40 → 4.40−1.00
A 6-8 month term deposit available to invest your money and earn a fixed term rate of interest.
Notes on GMCU term deposits
to leave a note.
As of 1 November 2026, GMCU has one term deposit product tracked by BankMate, over five terms from 3 months to 2 years. Its highest rate is 5.25% p.a. on the Term Deposit for 6 months, 21st of 180 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 6 October 2026. From the provider's Consumer Data Right feed, refreshed nightly.