The Finance Algorithm

At a glance

Best rate
3.55% 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: 3.55%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 years3.55%5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions46th highest of 55, level with 2 others

Rates

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

TypeApplies toTermBandRateComparisonConditions
Fixed-2 yrs$5,000–$1,000,0003.55%-paid every 1 yr

Rate changes

One change logged, newest first.

DateRateWasNowChange
12 Oct 2026Fixed, 2 yrs, $5,000–$1,000,0003.30%3.55%up 0.25

Each change is logged the night it appears in the rates TMCU 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

  • TERM_DEPOSIT_EARLY_REDEMPTION_FEE
    No fee

Features

None published.

Eligibility and limits

  • Available to individuals
  • Minimum balance $1,000

Published by TMCU under the Consumer Data Right, last changed by them on 9 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.