LCUMonthly Interest 12 Month Term Deposit
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Term depositsBank updated 5 Nov 2026
At a glance
- Best rate
- 5.25% for 12m
- 12 months
- 5.25%
- 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 |
|---|---|---|---|---|
| 6-month term depositBest rate for 6 months | 4.35% | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions | 52nd highest of 63 |
| 12-month term depositBest rate for 12 months | 5.25% | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions | 43rd highest of 65, level with 3 others |
| 3-year term depositBest rate for 3 years | 4.55% | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions | 16th highest of 44 |
Rates
Every rate LCU publishes for this term deposit, 24 in all.
Its best rate at each term
- 5 mo3.85%
- 6 motypical 5.10%4.35%
- 7 mo4.35%
- 8 mo4.35%
- 9 mo4.35%
- 10 mo4.35%
- 11 mo4.35%
- 1 yrtypical 5.30%5.25%
- 18 mo5.25%
- 23 mo5.25%
- 35 mo4.65%
- 3 yrstypical 4.25%4.55%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | - | 10 mo | $100,000–$2,000,000 | 4.35% | - | paid every 1 mo |
| Fixed | - | 10 mo | $500–$100,000 | 4.25% | - | paid every 1 mo |
| Fixed | - | 11 mo | $100,000–$2,000,000 | 4.35% | - | paid every 1 mo |
| Fixed | - | 11 mo | $500–$100,000 | 4.25% | - | paid every 1 mo |
| Fixed | - | 1 yr | $100,000–$2,000,000 | 5.25% | - | paid every 1 mo |
| Fixed | - | 1 yr | $500–$100,000 | 5.15% | - | paid every 1 mo |
| Fixed | - | 18 mo | $100,000–$2,000,000 | 5.25% | - | paid every 1 mo |
| Fixed | - | 18 mo | $500–$100,000 | 5.15% | - | paid every 1 mo |
| Fixed | - | 23 mo | $100,000–$2,000,000 | 5.25% | - | paid every 1 mo |
| Fixed | - | 23 mo | $500–$100,000 | 5.15% | - | paid every 1 mo |
| Fixed | - | 35 mo | $100,000–$2,000,000 | 4.65% | - | paid every 1 mo |
| Fixed | - | 35 mo | $500–$100,000 | 4.55% | - | paid every 1 mo |
| Fixed | - | 3 yrs | $100,000–$2,000,000 | 4.55% | - | paid every 1 mo |
| Fixed | - | 3 yrs | $500–$100,000 | 4.45% | - | paid every 1 mo |
| Fixed | - | 5 mo | $100,000–$2,000,000 | 3.85% | - | paid every 1 mo |
| Fixed | - | 5 mo | $500–$100,000 | 3.75% | - | paid every 1 mo |
| Fixed | - | 6 mo | $100,000–$2,000,000 | 4.35% | - | paid every 1 mo |
| Fixed | - | 6 mo | $500–$100,000 | 4.25% | - | paid every 1 mo |
| Fixed | - | 7 mo | $100,000–$2,000,000 | 4.35% | - | paid every 1 mo |
| Fixed | - | 7 mo | $500–$100,000 | 4.25% | - | paid every 1 mo |
| Fixed | - | 8 mo | $100,000–$2,000,000 | 4.35% | - | paid every 1 mo |
| Fixed | - | 8 mo | $500–$100,000 | 4.25% | - | paid every 1 mo |
| Fixed | - | 9 mo | $100,000–$2,000,000 | 4.35% | - | paid every 1 mo |
| Fixed | - | 9 mo | $500–$100,000 | 4.25% | - | paid every 1 mo |
Rate changes
6 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 2 Oct 2026 | Fixed, 11 mo, $5,000–$2,000,000 | 3.75% | 4.00% | up 0.25 |
| 2 Oct 2026 | Fixed, 1 yr, $5,000–$2,000,000 | 4.65% | 4.90% | up 0.25 |
| 2 Oct 2026 | Fixed, 23 mo, $5,000–$2,000,000 | 4.65% | 4.90% | up 0.25 |
| 2 Oct 2026 | Fixed, 35 mo, $5,000–$2,000,000 | 4.05% | 4.30% | up 0.25 |
| 2 Oct 2026 | Fixed, 3 yrs, $5,000–$2,000,000 | 3.95% | 4.20% | up 0.25 |
| 2 Oct 2026 | Fixed, 5 mo, $5,000–$2,000,000 | 3.25% | 3.50% | up 0.25 |
Each change is logged the night it appears in the rates Laboratories Credit Union publishes. See how every lender answered the RBA on the rate tracker.
Features
- The minimum term available for this product is 12 months
- Scaled panalty 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…
Eligibility and 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…
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Published by Laboratories Credit Union under the Consumer Data Right, last changed by them on 5 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.