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BCU Bank

Every product BCU Bank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 5 Nov 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with P&N Bank under the same banking licence. Who shares a cap
  • Australian credit licence and AFS licence 240701, held by Police & Nurses Limited; credit licence since 5 October 2010. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetBCU Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

76 products in 7 categories

  1. Term deposits42
  2. Home loans16
  3. Savings & transaction accounts11
  4. Credit cards2
  5. Personal loans2
  6. Overdrafts2
  7. Trust accounts1

BCU Bank's rates today

BCU Bank's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.

Where BCU Bank sits among every institution's best

bcu 6.29%Everyone else, 104 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateBCU BankBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.29%OMG Home Loan (P&I) LVR>60-805.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.94%Fixed P&I Home Loan6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions
Savings accountBase plus any bonus, when its conditions are met5.35%Power Saver5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term5.30%12 Month Term Deposit5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans9.55%Freedom Loan Unsecured5.80%Plenti Personal Loan7.96%of 68 institutions
Credit card purchase rateOngoing purchase rate, not introductory offers11.95%Classic Credit Card7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions
Business savings accountEach institution's best interest-paying business account, base plus any bonus1.60%Business iSaver5.40%Great Southern Bank Business+'s Business+ Saver0.55%of 34 institutions

BCU Bank home loan repayments

Repayments at BCU Bank's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.

Loan amount
$600,000
Loan term
30 yrs
The $600,000 you borrowInterest over 30 years
  1. VariableOMG Home Loan (P&I) LVR>60-80
    6.29%6.32% comparison
    $3,710a month

    $735,574 in interest, $1,335,574 repaid in all

  2. 1-year fixedFixed P&I Home Loan
    6.79%6.54% comparison
    $3,908a month

    $806,720 in interest, $1,406,720 repaid in all

  3. 2-year fixedFixed P&I Home Loan
    6.79%6.57% comparison
    $3,908a month

    $806,720 in interest, $1,406,720 repaid in all

  4. 3-year fixedFixed P&I Home Loan
    6.94%6.64% comparison
    $3,968a month

    $828,360 in interest, $1,428,360 repaid in all

  5. 5-year fixedFixed P&I Home Loan
    7.04%6.76% comparison
    $4,008a month

    $842,861 in interest, $1,442,861 repaid in all

  6. Investor variableBasic Inv Loan (P&I) LVR>70
    6.64%6.67% comparison
    $3,848a month

    $785,215 in interest, $1,385,215 repaid in all

Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not BCU Bank's own calculator: confirm the rate with BCU Bank before you apply.

BCU Bank home loan rates

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16 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.29%, with a comparison rate of 6.32%, on its OMG Home Loan (P&I) LVR>60-80: 32nd lowest of 104 lenders, level with 5 others.

BCU Bank savings and transaction account rates

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11 products

Its highest savings rate is up to 5.35% (0.50% base plus a 4.85% bonus when its conditions are met), on its Power Saver: 13th highest of 84 institutions, level with 7 others.

BCU Bank term deposit rates

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42 products

Its highest 12-month term deposit rate is 5.30%, on its 12 Month Term Deposit: 28th highest of 65 institutions, level with 14 others.

RateBCU BankBest anywhereTypical institution
3-month term depositBest rate for 3 months4.00%3 Month Term Deposit5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions
6-month term depositBest rate for 6 months5.20%6 Month Term Deposit5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months5.30%12 Month Term Deposit5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years3.45%24 Month Term Deposit - Yearly5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions
3-year term depositBest rate for 3 years3.35%36 Month Term Deposit - Yearly5.60%Judo Bank's Personal Term Deposits4.25%of 44 institutions

BCU Bank credit card rates

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2 products

Its lowest credit card purchase rate is 11.95%, on its Classic Credit Card: 15th lowest of 51 card issuers, level with one other.

BCU Bank personal loan rates

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2 products

Its lowest advertised personal loan rate is 6.74% variable, with a comparison rate of 7.05%, on its New Car Loan: 25th lowest of 69 lenders, level with one other.

BCU Bank overdraft rates

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2 products

BCU Bank trust accounts

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1 product

Rate changes since 18 Sept 2026How every lender responded

Has BCU Bank passed on the RBA's November 2026 rate rise?

BCU Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.

  1. Thu 5 Nov

  2. Mon 2 Nov

  3. Wed 21 Oct

  4. Wed 14 Oct

  5. Wed 7 Oct

  6. Thu 1 Oct

Published by BCU Bank under the Consumer Data Right, last changed by them on 5 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.