bcu12 Month Term Deposit -6 Mthly
Take control of your investment with a term deposit from BCU Bank, offering a guaranteed rate of return and a high level of security.
At a glance
- Best rate
- 4.45% for 12m
- 12 months
- 4.45%
- Min deposit
- $1,000
How it compares
This term deposit in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This term deposit | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| 12-month term depositBest rate for 12 months | 4.45% | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions | 63rd highest of 65 |
Rates
The one rate bcu publishes for this term deposit.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedInterest paid 6 monthly | - | 1 yr | $1,000–$1,000,000 | 4.45% | - | paid at maturity; paid every 6 mo; Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 7 Oct 2026 | Fixed, 1 yr, $1,000–$1,000,000 | 4.15% | 4.45% | up 0.30 |
Each change is logged the night it appears in the rates BCU Bank publishes. See how every lender answered the RBA on the rate tracker.
Features
Eligibility and limits
- Minimum age 12
- Residency: You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies.
- Minimum balance $1,000
- Opening balance $1,000
- You must be or become a BCU Bank member
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Published by BCU Bank under the Consumer Data Right, last changed by them on 6 Oct 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.