CONTACT TERM DEPOSIT

Term depositsBank updated 30 Oct 2026

Apply at Police Credit Union Ltd ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Best rate: 5.45% for 11m
12 months: 5.35%
Min deposit: $5,000

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.

Typical 4.60%

1%1.5%2%2.5%3%3.5%4%4.5%5%

This term deposit: 4.30%Every other institution's highest, 54 in all

Best rate for 3 months. One dot per institution, at its highest 3-month term deposit rate anyone can apply for; hover or tap a dot for its name.

Rate	This term deposit	Best anywhere	Typical institution	Where it sits
3-month term depositBest rate for 3 months	4.30%	5.30%Heartland Bank's Broker Term Deposit	4.60%of 55 institutions	34th highest of 55, level with 6 others
6-month term depositBest rate for 6 months	5.15%	5.47%Heartland Bank's Broker Term Deposit	5.10%of 63 institutions	25th highest of 63, level with 3 others
12-month term depositBest rate for 12 months	5.35%	5.75%Suncorp Bank's Term Deposit	5.30%of 65 institutions	18th highest of 65, level with 9 others
2-year term depositBest rate for 2 years	5.15%	5.60%Judo Bank's Personal Term Deposits	4.90%of 55 institutions	13th highest of 55, level with 3 others
3-year term depositBest rate for 3 years	5.15%	5.60%Judo Bank's Personal Term Deposits	4.25%of 44 institutions	7th highest of 44, level with one other

Rates

Every rate Police Credit Union Limited publishes for this term deposit, 46 in all.

Its best rate at each term

2 mo0.05%
3 motypical 4.60%4.30%
6 motypical 5.10%5.15%
9 mo5.35%
11 mo5.45%
1 yrtypical 5.30%5.35%
2 yrstypical 4.90%5.15%
3 yrstypical 4.25%5.15%
4 yrs5.15%

This term depositTypical institution's best for the term

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Fixed	-	11 mo	$50,000–$2,500,000	5.45%	-	paid at maturity
Fixed	-	1 yr	up to $5,000	0.05%	-	paid at maturity
Fixed	-	1 yr	up to $5,000	0.05%	-	paid every 1 mo
Fixed	-	1 yr	$5,000–$50,000	4.00%	-	paid at maturity
Fixed	-	1 yr	$5,000–$50,000	4.00%	-	paid every 1 mo
Fixed	-	1 yr	$50,000–$2,500,000	5.35%	-	paid at maturity
Fixed	-	1 yr	$50,000–$2,500,000	5.35%	-	paid every 1 mo
Fixed	-	2 mo	up to $5,000	0.05%	-	paid at maturity
Fixed	-	2 mo	$5,000–$50,000	0.05%	-	paid at maturity
Fixed	-	2 mo	$50,000–$2,500,000	0.05%	-	paid at maturity
Fixed	-	2 yrs	up to $5,000	0.05%	-	paid every 1 mo
Fixed	-	2 yrs	up to $5,000	0.05%	-	paid every 1 yr
Fixed	-	2 yrs	$5,000–$50,000	3.75%	-	paid every 1 mo
Fixed	-	2 yrs	$5,000–$50,000	3.75%	-	paid every 1 yr
Fixed	-	2 yrs	$50,000–$2,500,000	5.15%	-	paid every 1 mo
Fixed	-	2 yrs	$50,000–$2,500,000	5.15%	-	paid every 1 yr
Fixed	-	3 mo	up to $5,000	0.05%	-	paid at maturity
Fixed	-	3 mo	up to $5,000	0.05%	-	paid every 1 mo
Fixed	-	3 mo	$5,000–$50,000	3.15%	-	paid at maturity
Fixed	-	3 mo	$5,000–$50,000	3.15%	-	paid every 1 mo
Fixed	-	3 mo	$50,000–$2,500,000	4.30%	-	paid at maturity
Fixed	-	3 mo	$50,000–$2,500,000	4.30%	-	paid every 1 mo
Fixed	-	3 yrs	up to $5,000	0.05%	-	paid every 1 mo
Fixed	-	3 yrs	up to $5,000	0.05%	-	paid every 1 yr
Fixed	-	3 yrs	$5,000–$50,000	3.75%	-	paid every 1 mo
Fixed	-	3 yrs	$5,000–$50,000	3.75%	-	paid every 1 yr
Fixed	-	3 yrs	$50,000–$2,500,000	5.15%	-	paid every 1 mo
Fixed	-	3 yrs	$50,000–$2,500,000	5.15%	-	paid every 1 yr
Fixed	-	4 yrs	up to $5,000	0.05%	-	paid every 1 mo
Fixed	-	4 yrs	up to $5,000	0.05%	-	paid every 1 yr
Fixed	-	4 yrs	$5,000–$50,000	3.95%	-	paid every 1 mo
Fixed	-	4 yrs	$5,000–$50,000	3.95%	-	paid every 1 yr
Fixed	-	4 yrs	$50,000–$2,500,000	5.15%	-	paid every 1 mo
Fixed	-	4 yrs	$50,000–$2,500,000	5.15%	-	paid every 1 yr
Fixed	-	6 mo	up to $5,000	0.05%	-	paid at maturity
Fixed	-	6 mo	up to $5,000	0.05%	-	paid every 1 mo
Fixed	-	6 mo	$5,000–$50,000	3.75%	-	paid at maturity
Fixed	-	6 mo	$5,000–$50,000	3.75%	-	paid every 1 mo
Fixed	-	6 mo	$50,000–$2,500,000	5.15%	-	paid at maturity
Fixed	-	6 mo	$50,000–$2,500,000	5.15%	-	paid every 1 mo
Fixed	-	9 mo	up to $5,000	0.05%	-	paid at maturity
Fixed	-	9 mo	up to $5,000	0.05%	-	paid every 1 mo
Fixed	-	9 mo	$5,000–$50,000	3.75%	-	paid at maturity
Fixed	-	9 mo	$5,000–$50,000	3.75%	-	paid every 1 mo
Fixed	-	9 mo	$50,000–$2,500,000	5.35%	-	paid at maturity
Fixed	-	9 mo	$50,000–$2,500,000	5.35%	-	paid every 1 mo

Rate changes

28 changes logged, newest first.

Date	Rate	Was	Now	Change
31 Oct 2026	Fixed, 1 yr, $5,000–$50,000	3.85%	4.00%	up 0.15
31 Oct 2026	Fixed, 1 yr, $5,000–$50,000	3.85%	4.00%	up 0.15
31 Oct 2026	Fixed, 1 yr, $50,000–$2,500,000	5.25%	5.35%	up 0.10
31 Oct 2026	Fixed, 1 yr, $50,000–$2,500,000	5.25%	5.35%	up 0.10
31 Oct 2026	Fixed, 2 yrs, $5,000–$50,000	3.60%	3.75%	up 0.15
31 Oct 2026	Fixed, 2 yrs, $5,000–$50,000	3.60%	3.75%	up 0.15
31 Oct 2026	Fixed, 2 yrs, $50,000–$2,500,000	5.00%	5.15%	up 0.15
31 Oct 2026	Fixed, 2 yrs, $50,000–$2,500,000	5.00%	5.15%	up 0.15
31 Oct 2026	Fixed, 3 mo, $5,000–$50,000	3.00%	3.15%	up 0.15
31 Oct 2026	Fixed, 3 mo, $5,000–$50,000	3.00%	3.15%	up 0.15
31 Oct 2026	Fixed, 3 mo, $50,000–$2,500,000	4.15%	4.30%	up 0.15
31 Oct 2026	Fixed, 3 mo, $50,000–$2,500,000	4.15%	4.30%	up 0.15
31 Oct 2026	Fixed, 3 yrs, $5,000–$50,000	3.60%	3.75%	up 0.15
31 Oct 2026	Fixed, 3 yrs, $5,000–$50,000	3.60%	3.75%	up 0.15
31 Oct 2026	Fixed, 3 yrs, $50,000–$2,500,000	4.90%	5.15%	up 0.25
31 Oct 2026	Fixed, 3 yrs, $50,000–$2,500,000	4.90%	5.15%	up 0.25
31 Oct 2026	Fixed, 4 yrs, $5,000–$50,000	3.80%	3.95%	up 0.15
31 Oct 2026	Fixed, 4 yrs, $5,000–$50,000	3.80%	3.95%	up 0.15
31 Oct 2026	Fixed, 4 yrs, $50,000–$2,500,000	4.90%	5.15%	up 0.25
31 Oct 2026	Fixed, 4 yrs, $50,000–$2,500,000	4.90%	5.15%	up 0.25
31 Oct 2026	Fixed, 6 mo, $5,000–$50,000	3.60%	3.75%	up 0.15
31 Oct 2026	Fixed, 6 mo, $5,000–$50,000	3.60%	3.75%	up 0.15
31 Oct 2026	Fixed, 6 mo, $50,000–$2,500,000	5.00%	5.15%	up 0.15
31 Oct 2026	Fixed, 6 mo, $50,000–$2,500,000	5.00%	5.15%	up 0.15
31 Oct 2026	Fixed, 9 mo, $5,000–$50,000	3.60%	3.75%	up 0.15
31 Oct 2026	Fixed, 9 mo, $5,000–$50,000	3.60%	3.75%	up 0.15
31 Oct 2026	Fixed, 9 mo, $50,000–$2,500,000	5.25%	5.35%	up 0.10
31 Oct 2026	Fixed, 9 mo, $50,000–$2,500,000	5.25%	5.35%	up 0.10

Each change is logged the night it appears in the rates Police Credit Union Ltd 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

FIXED_TERM_DEPOSIT_EARLY_REDEMPTION_PENALTY
An early withdrawal penalty of a 50% reduction of the total interest earned on the amount to be
No fee

Features

None published.

Eligibility and limits

Minimum balance $5,000

Compare it with others

All term deposits Other Police Credit Union Ltd term deposits Everything Police Credit Union Ltd publishes

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Published by Police Credit Union Ltd under the Consumer Data Right, last changed by them on 30 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.