bcu55 Term Deposit - 12M Ftly
Take control of your investment with a term deposit from BCU Bank, offering a guaranteed rate of return and a high level of security.
Term depositsBank updated 6 Oct 2026
At a glance
- Best rate
- 4.45% for 12m
- 12 months
- 4.45%
- Min deposit
- $5,000
Rates
The one rate bcu publishes for this term deposit.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedInterest paid fortnightly | - | 1 yr | $5,000–$1,000,000 | 4.45% | - | paid at maturity; 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, $5,000–$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
Digital banking
Eligibility and limits
- Minimum age 55
- 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 $5,000
- Opening balance $5,000
- 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.