Credit Union SATerm Deposit
Term Deposits allow you to lock away funds and earn a fixed interest rate for a set period, so you know exactly how much money you will earn. You can start with investing as little as $1,000. Term Deposits with terms of three, six or nine months automatically have interest paid at maturity. The interest may be paid to a savings account or reinvested. For terms of 12 months or longer, you can have interest paid to your savings account as regularly as fortnightly, monthly, quarterly or annually - it’s your choice!
At a glance
- Best rate
- 5.40% for 4m
- 12 months
- 5.30%
- 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 |
|---|---|---|---|---|
| 3-month term depositBest rate for 3 months | 3.00% | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions | 53rd highest of 55, level with one other |
| 6-month term depositBest rate for 6 months | 5.30% | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions | 10th highest of 63, level with 3 others |
| 12-month term depositBest rate for 12 months | 5.30% | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions | 28th highest of 65, level with 14 others |
| 2-year term depositBest rate for 2 years | 2.90% | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions | 53rd highest of 55 |
| 3-year term depositBest rate for 3 years | 2.90% | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions | 43rd highest of 44 |
| 5-year term depositBest rate for 5 years | 2.90% | 5.65%Judo Bank's Personal Term Deposits | 4.00%of 27 institutions | 26th highest of 27 |
Rates
Every rate Credit Union SA publishes for this term deposit, 14 in all.
Its best rate at each term
- 3 motypical 4.60%3.00%
- 4 mo5.40%
- 5 mo3.00%
- 6 motypical 5.10%5.30%
- 7 mo3.00%
- 8 mo3.00%
- 9 mo3.00%
- 10 mo5.30%
- 11 mo3.00%
- 1 yrtypical 5.30%5.30%
- 2 yrstypical 4.90%2.90%
- 3 yrstypical 4.25%2.90%
- 4 yrs2.90%
- 5 yrstypical 4.00%2.90%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | - | 10 mo | - | 5.30% | - | paid at maturity; paid every 10 mo |
| Fixed | - | 11 mo | - | 3.00% | - | paid at maturity; paid every 11 mo |
| Fixed | - | 1 yr | - | 5.30% | - | paid every 1 yr |
| Fixed | - | 2 yrs | - | 2.90% | - | paid every 2 yrs |
| Fixed | - | 3 mo | - | 3.00% | - | paid at maturity; paid every 3 mo |
| Fixed | - | 3 yrs | - | 2.90% | - | paid every 3 yrs |
| Fixed | - | 4 mo | - | 5.40% | - | paid at maturity; paid every 4 mo |
| Fixed | - | 4 yrs | - | 2.90% | - | paid every 4 yrs |
| Fixed | - | 5 mo | - | 3.00% | - | paid at maturity; paid every 5 mo |
| Fixed | - | 6 mo | - | 5.30% | - | paid at maturity; paid every 6 mo |
| Fixed | - | 5 yrs | - | 2.90% | - | paid every 5 yrs |
| Fixed | - | 7 mo | - | 3.00% | - | paid at maturity; paid every 7 mo |
| Fixed | - | 8 mo | - | 3.00% | - | paid at maturity; paid every 8 mo |
| Fixed | - | 9 mo | - | 3.00% | - | paid at maturity; paid every 9 mo |
Rate changes
5 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 5 Nov 2026 | Fixed, 4 mo | 5.10% | 5.40% | up 0.30 |
| 14 Oct 2026 | Fixed, 10 mo | 5.05% | 5.30% | up 0.25 |
| 14 Oct 2026 | Fixed, 1 yr | 5.00% | 5.30% | up 0.30 |
| 14 Oct 2026 | Fixed, 6 mo | 3.00% | 5.30% | up 2.30 |
| 14 Oct 2026 | Fixed, 7 mo | 5.05% | 3.00% | down 2.05 |
Each change is logged the night it appears in the rates Credit Union SA publishes. See how every lender answered the RBA on the rate tracker.
Fees
One fee published, grouped by when they're charged.
When particular things happen1
- Term Deposit Withdrawal$0 to $99,999,999.99
Features
Eligibility and limits
- Residency: Australian citizen or permanent resident
- Minimum balance $1,000
- Opening balance $1,000
Compare it with others
Put this product through a calculator
Published by Credit Union SA under the Consumer Data Right, last changed by them on 4 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.