Goulburn Murray Credit Union Co-Operative Ltd
Monthly Income Term Deposit - 6 months
a 6 month, monthly income term deposit available to invest your money and earn a fixed rate of interest. Interest is paid monthly into a gmcu account
Term depositsBank updated 17 Aug 2026
At a glance
- Best rate
- 4.90% for 6m
- Min deposit
- $3,000
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | — | 6 mo | $100–$4,999 | 0.25% | — | paid every 1 mo |
| Fixed | — | 6 mo | $4,999–$1,000,000 | 4.90% | — | paid every 1 mo |
§ 02 — Fees · 1
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| EARLY_WITHDRAWAL_INT_ADJ | Cash advance | No fee | — | Interest rate is reduced when any amount is withdrawn from a Term Deposit before the maturity date. |
§ 03 — Features
Digital banking
- · If you withdraw all or part of your deposit before maturity, the amount you withdraw early will be subject to a reduced return.
- · We offer terms of 6 months, 12 months or 24 months.
§ 04 — Eligibility & limits
- · Available to individuals
- · Minimum balance $3,000
- · Opening balance $3,000
- · You must become a member. Visit our website for more details.
§ 06 — Run the numbers
Put this product through a calculator
Published by gmcu under the Consumer Data Right, last changed by them on 17 Aug 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.