LCU
Monthly Interest 12 Month Term Deposit
Get a monthly income on your investment
Term depositsBank updated 5 May 2026
At a glance
- Best rate
- 4.65% for 12m
- 12 months
- 4.65%
- Min deposit
- $1,000
§ 01 — Rates · 6
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | — | 11 mo | $5,000–$2,000,000 | 3.75% | — | paid every 1 mo |
| Fixed | — | 1 yr | $5,000–$2,000,000 | 4.65% | — | paid every 1 mo |
| Fixed | — | 23 mo | $5,000–$2,000,000 | 4.65% | — | paid every 3 mo |
| Fixed | — | 35 mo | $5,000–$2,000,000 | 4.05% | — | paid every 1 mo |
| Fixed | — | 3 yrs | $5,000–$2,000,000 | 3.95% | — | paid every 1 mo |
| Fixed | — | 5 mo | $5,000–$2,000,000 | 3.25% | — | paid every 1 mo |
§ 03 — 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…
§ 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 5 May 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.