The Finance Algorithm

Live · as of todayRBA Cash Rate4.35%Held since May 26AUD/USD0.7045-1.05% dayASX 2008,765.3+0.38% dayFixed 3yr (avg)6.74%owner-occ, banksVariable (avg)6.80%owner-occ, discountedMedian Sydney$1.61M▼ 0.4% qtrMedian Melbourne$920k▼ 0.8% qtrSuper (Balanced, FY25-26)+9.4%median · SuperRatingsBTC/AUD$119,786-0.9% 24h10yr Gov Bond5.35%▼ 0.06Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%Unemployment4.5%▲ 3-yr highRBA Cash Rate4.35%Held since May 26AUD/USD0.7045-1.05% dayASX 2008,765.3+0.38% dayFixed 3yr (avg)6.74%owner-occ, banksVariable (avg)6.80%owner-occ, discountedMedian Sydney$1.61M▼ 0.4% qtrMedian Melbourne$920k▼ 0.8% qtrSuper (Balanced, FY25-26)+9.4%median · SuperRatingsBTC/AUD$119,786-0.9% 24h10yr Gov Bond5.35%▼ 0.06Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%Unemployment4.5%▲ 3-yr high

76 products · 7 categories · changed 23 Sept 2026

BCU Bank.

Credit cards 2 Overdrafts 2 Personal loans 2 Trust accounts 1 Home loans 16 Term deposits 42 Savings & transaction accounts 11

Credit cards · 2Compare across banks →

Classic Credit Card

Purchase rate: 11.95%
Cash advance: 14.80%
Interest-free days: 52

Rewards Credit Card

Purchase rate: 13.05%
Cash advance: 14.80%
Interest-free days: 52

Overdrafts · 2Compare across banks →

Variable: 0.00%
Loan size: $20,000 to $5,000,000
Upfront fee: $300

Variable: 0.00%
Loan size: $20,000 to $5,000,000
Upfront fee: $300

Personal loans · 2Compare across banks →

Freedom Loan Unsecured

Variable: 9.55% · 9.84% comparison
Loan size: $4,000 to $100,000
Upfront fee: $200

Variable: 6.74% · 7.05% comparison
Loan size: $4,000 to $150,000
Upfront fee: $235.10

Trust accounts · 1Compare across banks →

Real Estate Trust

Home loans · 16Compare across banks →

Basic Inv Loan (P&I) LVR<70

Variable (investor P&I): 6.29%
Max LVR: 70%
Features: redraw, extra repayments

Basic Inv Loan (P&I) LVR>70

Variable (investor P&I): 6.39%
Max LVR: 90%
Features: redraw, extra repayments

Basic Investment Loan (IO)

Max LVR: 90%
Features: redraw, extra repayments

Variable (owner occ. P&I): 9.76% · 9.79% comparison
Max LVR: 80%
Features: extra repayments

Fixed IO Home Loan

Max LVR: 90%
Features: extra repayments

Fixed P&I Home Loan

Fixed: 1 yr 6.27% · 2 yrs 6.27% · 3 yrs 6.69% · 4 yrs 6.74% · 5 yrs 6.79%
Max LVR: 95%
Features: extra repayments

Investment IO Fixed Home Loan

Max LVR: 90%
Features: extra repayments

Investment P&I Fixed Home Loan

Max LVR: 90%
Features: extra repayments

Offset Home Loan LVR <60

Variable (owner occ. P&I): 6.14% · 6.17% comparison
Max LVR: 60%
Features: offset, redraw, extra repayments

Offset Home Loan LVR >60-80

Variable (owner occ. P&I): 6.23% · 6.26% comparison
Max LVR: 80%
Features: offset, redraw, extra repayments

Offset Home Loan LVR >80

Variable (owner occ. P&I): 6.39% · 6.42% comparison
Max LVR: 95%
Features: offset, redraw, extra repayments

OMG Home Loan (P&I) LVR<60

Variable (owner occ. P&I): 5.99% · 6.02% comparison
Max LVR: 60%
Features: redraw, extra repayments

OMG Home Loan (P&I) LVR>60-80

Variable (owner occ. P&I): 6.04% · 6.07% comparison
Max LVR: 80%
Features: redraw, extra repayments

OMG Home Loan (P&I) LVR>80

Variable (owner occ. P&I): 6.29% · 6.32% comparison
Max LVR: 95%
Features: redraw, extra repayments

Variable Home Loan Inv

Variable (investor P&I): 6.44%
Max LVR: 90%
Features: offset, redraw, extra repayments

Variable Home Loan Inv (IO)

Max LVR: 90%
Features: offset, redraw, extra repayments

Term deposits · 42Compare across banks →

1 Month Term Deposit

Best rate: 1.20% for 1m
Min deposit: $1,000

10 Month Term Deposit

Best rate: 3.55% for 10m
Min deposit: $1,000

10 Month Term Deposit - Mthly

Best rate: 3.45% for 10m
Min deposit: $1,000

11 Month Term Deposit

Best rate: 4.00% for 11m
Min deposit: $1,000

11 Month Term Deposit - Mthly

Best rate: 3.90% for 11m
Min deposit: $1,000

12 Month Term Deposit

Best rate: 5.00% for 12m
12 months: 5.00%
Min deposit: $1,000

12 Month Term Deposit - Mthly

Best rate: 4.10% for 12m
12 months: 4.10%
Min deposit: $1,000

12 Month Term Deposit - Qrtly

Best rate: 4.02% for 12m
12 months: 4.02%
Min deposit: $1,000

12 Month Term Deposit -6 Mthly

Best rate: 4.15% for 12m
12 months: 4.15%
Min deposit: $1,000

2 Month Term Deposit

Best rate: 1.60% for 2m
Min deposit: $1,000

24 Month Term Deposit - Mthly

Best rate: 3.35% for 24m
Min deposit: $1,000

24 Month Term Deposit - Qrtly

Best rate: 3.37% for 24m
Min deposit: $1,000

24 Month Term Deposit - Yearly

Best rate: 3.45% for 24m
Min deposit: $1,000

24 Month Term Deposit -6 Mthly

Best rate: 3.40% for 24m
Min deposit: $1,000

3 Month Term Deposit

Best rate: 4.00% for 3m
Min deposit: $1,000

3 Month Term Deposit - Mthly

Best rate: 3.90% for 3m
Min deposit: $1,000

36 Month Term Deposit - Mthly

Best rate: 3.25% for 36m
Min deposit: $1,000

36 Month Term Deposit - Qrtly

Best rate: 3.27% for 36m
Min deposit: $1,000

36 Month Term Deposit - Yearly

Best rate: 3.35% for 36m
Min deposit: $1,000

36 Month Term Deposit -6 Mthly

Best rate: 3.30% for 36m
Min deposit: $1,000

4 Month Term Deposit

Best rate: 4.55% for 4m
Min deposit: $1,000

4 Month Term Deposit - Mthly

Best rate: 4.45% for 4m
Min deposit: $1,000

5 Month Term Deposit

Best rate: 4.80% for 5m
Min deposit: $1,000

5 Month Term Deposit - Mthly

Best rate: 4.70% for 5m
Min deposit: $1,000

55 Term Deposit - 12M Ftly

Best rate: 4.15% for 12m
12 months: 4.15%
Min deposit: $5,000

55 Term Deposit - 12M Mthly

Best rate: 4.20% for 12m
12 months: 4.20%
Min deposit: $5,000

55 Term Deposit - 24M Ftly

Best rate: 3.40% for 24m
Min deposit: $5,000

55 Term Deposit - 24M Mthly

Best rate: 3.45% for 24m
Min deposit: $5,000

55 Term Deposit - 36M Ftly

Best rate: 3.30% for 36m
Min deposit: $5,000

55 Term Deposit - 36M Mthly

Best rate: 3.35% for 36m
Min deposit: $5,000

55 Term Deposit - 3M Mthly

Best rate: 4.00% for 3m
Min deposit: $5,000

55 Term Deposit - 6M Ftly

Best rate: 5.15% for 6m
Min deposit: $5,000

55 Term Deposit - 6M Mthly

Best rate: 5.20% for 6m
Min deposit: $5,000

6 Month Term Deposit

Best rate: 5.20% for 6m
Min deposit: $1,000

6 Month Term Deposit - Mthly

Best rate: 5.10% for 6m
Min deposit: $1,000

7 Month Term Deposit

Best rate: 3.85% for 7m
Min deposit: $1,000

7 Month Term Deposit - Mthly

Best rate: 3.75% for 7m
Min deposit: $1,000

8 Month Term Deposit

Best rate: 3.85% for 8m
Min deposit: $1,000

8 Month Term Deposit - Mthly

Best rate: 3.75% for 8m
Min deposit: $1,000

9 Month Term Deposit

Best rate: 3.85% for 9m
Min deposit: $1,000

9 Month Term Deposit - Mthly

Best rate: 3.75% for 9m
Min deposit: $1,000

Farm Management Deposit

Best rate: 5.00% for 12m
12 months: 5.00%
Min deposit: $1,000

Savings & transaction accounts · 11Compare across banks →

Base rate: 0.00%

Base rate: 0.05%
Intro rate: 5.30% for 4 mo

Base rate: 0.20%

Business Access

Base rate: 0.00%
Monthly fee: $20

Business Basic Access

Base rate: 0.00%

Business iSaver

Base rate: 1.35%

Concession Account

Base rate: 0.00%

Base rate: 0.30%

Mortgage Offset Saving

Base rate: 0.00%

Base rate: 0.50%
Bonus rate: 4.60%
Up to: 5.10%

Scoot Super Saver

Base rate: 2.15%

Published by BCU Bank under the Consumer Data Right, last changed by them on 23 Sept 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.

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