At a glance
- Best rate
- 4.60% for 12m
- 12 months
- 4.60%
- Min deposit
- $1,000
§ 01 — Rates · 6
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | — | 11 mo | $500–$1,000,000 | 3.10% | — | paid at maturity |
| Fixed | — | 1 yr | $500–$1,000,000 | 4.60% | — | paid at maturity |
| Fixed | — | 23 mo | $500–$1,000,000 | 4.60% | — | paid at maturity |
| Fixed | — | 35 mo | $500–$1,000,000 | 4.50% | — | paid at maturity |
| Fixed | — | 3 yrs | $500–$1,000,000 | 4.60% | — | paid at maturity |
| Fixed | — | 5 mo | $500–$1,000,000 | 2.60% | — | paid at maturity |
§ 03 — Features
- · The minimum term available for this product is 3 months
- · Scaled penalty applies, see linked URI
- · Under the FCS certain deposits are protected up to a limit of $250,000 for each account holder at any bank, building society, credit union or other authorised deposit-taking institution (ADI) that is…
§ 04 — Eligibility & limits
- · Residency: If not an Australian resident, you must complete a Tax Residency Declaration
- · Available to individuals
- · Minimum balance $1,000
- · Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. "Own your Bank". $10 share is refunded if you c…
- · To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may be eligible to join if you: work or liv…
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Laboratories Credit Union under the Consumer Data Right, last changed by them on 11 Feb 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.