Goulburn Murray Credit Union Co-Operative LtdFixed Term Deposit - 12 months
A 12 month term deposit available to invest your money and earn a fixed rate of interest
At a glance
- Best rate
- 5.15% for 12m
- 12 months
- 5.15%
- Min deposit
- $100
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 | 5.15% | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions | 53rd highest of 65, level with one other |
Rates
Every rate Goulburn Murray Credit Union Co-Operative Ltd publishes for this term deposit, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | - | 1 yr | $100–$4,999 | 0.25% | - | paid at maturity |
| Fixed | - | 1 yr | $4,999–$1,000,000 | 5.15% | - | paid at maturity |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 6 Oct 2026 | Fixed, 1 yr, $4,999–$1,000,000 | 4.90% | 5.15% | up 0.25 |
Each change is logged the night it appears in the rates gmcu publishes. See how every lender answered the RBA on the rate tracker.
Fees
One fee published, grouped by when they're charged.
When you make a transaction1
- EARLY_WITHDRAWAL_INT_ADJ
Interest rate is reduced when any amount is withdrawn from a Term Deposit before the maturity date.
No fee
Features
- If you withdraw all or part of your deposit before maturity, the amount you withdraw early will be subject to a reduced return.
- Minimum term of three months, to a maximum of 24 months.
Eligibility and limits
- Available to individuals
- Minimum balance $100
- Opening balance $100
- You must become a member. Visit our website for more details.
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Published by gmcu under the Consumer Data Right, last changed by them on 5 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.