At a glance
- Best rate
- 5.30% for 12m
- 12 months
- 5.30%
- 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.
| Rate | This term deposit | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| 3-month term depositBest rate for 3 months | 5.00% | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions | 12th highest of 55, level with 5 others |
| 6-month term depositBest rate for 6 months | 5.20% | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions | 18th highest of 63, level with 6 others |
| 12-month term depositBest rate for 12 months | 5.30% | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions | 28th highest of 65, level with 14 others |
| 2-year term depositBest rate for 2 years | 4.70% | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions | 32nd highest of 55, level with 2 others |
Rates
Every rate SCCU publishes for this term deposit, 21 in all.
Its best rate at each term
- 1 mo1.15%
- 2 mo1.15%
- 3 motypical 4.60%5.00%
- 4 mo4.50%
- 5 mo4.05%
- 6 motypical 5.10%5.20%
- 7 mo5.00%
- 8 mo3.80%
- 9 mo5.30%
- 10 mo3.80%
- 11 mo5.10%
- 1 yrtypical 5.30%5.30%
- 18 mo3.50%
- 2 yrstypical 4.90%4.70%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 1 mo | $5,000–$20,000,000 | 1.15% | - | paid at maturity |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 10 mo | $5,000–$20,000,000 | 3.80% | - | paid at maturity |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 10 mo | $5,000–$20,000,000 | 3.80% | - | paid every 1 mo |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 11 mo | $5,000–$20,000,000 | 5.10% | - | paid at maturity |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 11 mo | $5,000–$20,000,000 | 5.10% | - | paid every 1 mo |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 1 yr | $5,000–$20,000,000 | 5.30% | - | paid at maturity |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 1 yr | $5,000–$20,000,000 | 5.30% | - | paid every 1 mo |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 18 mo | $5,000–$20,000,000 | 3.50% | - | paid every 1 yr |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 2 mo | $5,000–$20,000,000 | 1.15% | - | paid at maturity |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 2 yrs | $5,000–$20,000,000 | 4.70% | - | paid every 1 yr |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 3 mo | $5,000–$20,000,000 | 5.00% | - | paid at maturity |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 4 mo | $5,000–$20,000,000 | 4.50% | - | paid at maturity |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 5 mo | $5,000–$20,000,000 | 4.05% | - | paid at maturity |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 6 mo | $5,000–$20,000,000 | 5.20% | - | paid at maturity |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 6 mo | $5,000–$20,000,000 | 5.20% | - | paid every 1 mo |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 7 mo | $5,000–$20,000,000 | 5.00% | - | paid at maturity |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 7 mo | $5,000–$20,000,000 | 5.00% | - | paid every 1 mo |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 8 mo | $5,000–$20,000,000 | 3.80% | - | paid at maturity |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 8 mo | $5,000–$20,000,000 | 3.80% | - | paid every 1 mo |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 9 mo | $5,000–$20,000,000 | 5.30% | - | paid at maturity |
| FixedInterest recast at 0.10% if deposit partially or fully redeemed prior to expiry | - | 9 mo | $5,000–$20,000,000 | 5.30% | - | paid every 1 mo |
Rate changes
4 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 23 Sept 2026 | Fixed, 1 yr, $5,000–$20,000,000 | 5.00% | 5.30% | up 0.30 |
| 23 Sept 2026 | Fixed, 1 yr, $5,000–$20,000,000 | 5.00% | 5.30% | up 0.30 |
| 23 Sept 2026 | Fixed, 6 mo, $5,000–$20,000,000 | 5.10% | 5.20% | up 0.10 |
| 23 Sept 2026 | Fixed, 6 mo, $5,000–$20,000,000 | 5.10% | 5.20% | up 0.10 |
Each change is logged the night it appears in the rates Southern Cross Credit Union publishes. See how every lender answered the RBA on the rate tracker.
Features
None published.
Eligibility and limits
None published.
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Published by Southern Cross Credit Union under the Consumer Data Right, last changed by them on 22 Sept 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.