The Finance Algorithm

At a glance

Best rate
4.50% for 24m
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.

This term deposit: 4.50%Every other institution's highest, 54 in all

Best rate for 2 years. One dot per institution, at its highest 2-year term deposit rate anyone can apply for; hover or tap a dot for its name.

RateThis term depositBest anywhereTypical institutionWhere it sits
2-year term depositBest rate for 2 years4.50%5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions39th highest of 55

Rates

The one rate Orange Credit Union Ltd publishes for this term deposit.

TypeApplies toTermBandRateComparisonConditions
Fixed-2 yrs$1,000–$1,000,0004.50%-paid every 6 mo

Fees

One fee published, grouped by when they're charged.

When particular things happen1

  • TERM_DEPOSIT_EARLY_REDEMPTION_FEE
    $30

Features

Digital banking
  • Interest Income at maturity
  • Early withdrawal penalty. Minimum 7 days notice is required for an early break in the relevant term, upon which a fee of $30 plus a rate reduction based on: 0 to 30% of term elapsed 30% of the initia…
  • Periodical Payments: No
  • Branch Transaction: Yes
  • BPAY Phone & Internet: No
  • Direct Debits: No
  • Direct Credits: No

Eligibility and limits

  • Minimum balance $1,000

Published by Orange Credit Union Ltd under the Consumer Data Right, last changed by them on 2 July 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.