BCU Bank term deposit rates
14 terms published on 10 Oct 2026, best 5.30% for 12 months, from BCU Bank’s own Consumer Data Right feed.
BCU Bank at a glance
Best rate5.30%12 months · 12 Month Term Deposit
Market rankjoint #31of 77 banks by best rate · joint #23 of 75 at 1yr
6mo vs market+0.20median 5.00% · joint #10 of 73
1yr vs market+0.05median 5.25% · joint #23 of 75
Last 30 days▲1 ▼1rate changes since 10 Sep 2026
Today’s rates14 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 1mo | 1.20% | joint #26 of 33 | −0.30 | −2.90 | — | same on every day read since 10 Sep 2026 | $1,000 | 1 Month Term Deposit |
| 2mo | 1.60% | joint #25 of 36 | −0.15 | −2.85 | — | same on every day read since 10 Sep 2026 | $1,000 | 2 Month Term Deposit |
| 3mo | 4.00% | joint #48 of 68 | −0.55 | −1.25 | — | same on every day read since 10 Sep 2026 | $1,000 | 3 Month Term Deposit |
| 4mo | 4.55% | #26 of 49 | −0.10 | −0.85 | — | same on every day read since 10 Sep 2026 | $1,000 | 4 Month Term Deposit |
| 5mo | 4.70% | joint #14 of 50 | +0.40 | −0.50 | ▼ −0.10 7 Oct | in effect since 7 Oct 2026 | $1,000 | 5 Month Term Deposit |
| 6mo | 5.20% | joint #10 of 73 | +0.20 | −0.25 | — | same on every day read since 10 Sep 2026 | $1,000 | 6 Month Term Deposit |
| 7mo | 3.85% | #33 of 43 | −1.10 | −1.60 | — | same on every day read since 10 Sep 2026 | $1,000 | 7 Month Term Deposit |
| 8mo | 3.85% | #26 of 39 | −0.55 | −1.40 | — | same on every day read since 10 Sep 2026 | $1,000 | 8 Month Term Deposit |
| 9mo | 3.85% | #45 of 60 | −0.95 | −1.55 | — | same on every day read since 10 Sep 2026 | $1,000 | 9 Month Term Deposit |
| 10mo | 3.55% | #36 of 40 | −0.45 | −1.80 | — | same on every day read since 10 Sep 2026 | $1,000 | 10 Month Term Deposit |
| 11mo | 4.00% | joint #23 of 45 | median | −1.45 | — | same on every day read since 10 Sep 2026 | $1,000 | 11 Month Term Deposit |
| 1yr | 5.30% | joint #23 of 75 | +0.05 | −0.30 | ▲ +0.30 7 Oct | in effect since 7 Oct 2026 | $1,000 | 12 Month Term Deposit |
| 2yr | 3.45% | #60 of 67 | −1.25 | −2.10 | — | same on every day read since 10 Sep 2026 | $1,000 | 24 Month Term Deposit - Yearly |
| 3yr | 3.35% | #43 of 51 | −0.95 | −2.10 | — | same on every day read since 10 Sep 2026 | $1,000 | 36 Month Term Deposit - Yearly |
“Rank”, “vs median” and “vs best” compare BCU Bank with every bank that publishes the same term today. “This rate” is the first day our daily read showed the current rate — a rate that changed between two reads is dated to the first read that showed it.
What BCU Bank publishes about its products42 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| 5 Month Term Deposit | every 5 months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 5 Month Term Deposit - Mthly | monthly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 12 Month Term Deposit | yearly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 12 Month Term Deposit -6 Mthly | half-yearly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 12 Month Term Deposit - Qrtly | quarterly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 12 Month Term Deposit - Mthly | monthly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 55 Term Deposit - 12M Ftly | fortnightly (at maturity) | $5,000 | $1,000,000 | 1 | product page · terms · fees |
| 55 Term Deposit - 12M Mthly | monthly (at maturity) | $5,000 | $1,000,000 | 1 | product page · terms · fees |
| 6 Month Term Deposit | half-yearly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 6 Month Term Deposit - Mthly | monthly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 55 Term Deposit - 6M Mthly | monthly (at maturity) | $5,000 | $1,000,000 | 1 | product page · terms · fees |
| 55 Term Deposit - 6M Ftly | fortnightly (at maturity) | $5,000 | $1,000,000 | 1 | product page · terms · fees |
| 55 Term Deposit - 24M Ftly | fortnightly (at maturity) | $5,000 | $1,000,000 | 1 | product page · terms · fees |
| 55 Term Deposit - 36M Ftly | fortnightly (at maturity) | $5,000 | $1,000,000 | 1 | product page · terms · fees |
| 55 Term Deposit - 3M Mthly | monthly (at maturity) | $5,000 | $1,000,000 | 1 | product page · terms · fees |
| 55 Term Deposit - 24M Mthly | monthly (at maturity) | $5,000 | $1,000,000 | 1 | product page · terms · fees |
| 55 Term Deposit - 36M Mthly | monthly (at maturity) | $5,000 | $1,000,000 | 1 | product page · terms · fees |
| 4 Month Term Deposit | every 4 months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 7 Month Term Deposit | every 7 months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 8 Month Term Deposit | every 8 months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 9 Month Term Deposit | every 9 months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 10 Month Term Deposit | every 10 months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 11 Month Term Deposit | every 11 months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 4 Month Term Deposit - Mthly | monthly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 7 Month Term Deposit - Mthly | monthly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 8 Month Term Deposit - Mthly | monthly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 9 Month Term Deposit - Mthly | monthly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 10 Month Term Deposit - Mthly | monthly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 11 Month Term Deposit - Mthly | monthly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 24 Month Term Deposit - Yearly | yearly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 36 Month Term Deposit - Yearly | yearly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 24 Month Term Deposit -6 Mthly | half-yearly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 36 Month Term Deposit -6 Mthly | half-yearly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 24 Month Term Deposit - Qrtly | quarterly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 36 Month Term Deposit - Qrtly | quarterly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 24 Month Term Deposit - Mthly | monthly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 36 Month Term Deposit - Mthly | monthly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 3 Month Term Deposit - Mthly | monthly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 3 Month Term Deposit | quarterly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 1 Month Term Deposit | monthly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
| 2 Month Term Deposit | every two months (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees |
5 Month Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
5 Month Term Deposit - Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
12 Month Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
12 Month Term Deposit -6 Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
12 Month Term Deposit - Qrtly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
12 Month Term Deposit - Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
55 Term Deposit - 12M Ftly: eligibility, conditions and features
- Eligibility
- minimum age: 55; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
55 Term Deposit - 12M Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 55; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
6 Month Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
6 Month Term Deposit - Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
55 Term Deposit - 6M Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 55; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
55 Term Deposit - 6M Ftly: eligibility, conditions and features
- Eligibility
- minimum age: 55; individuals [statement shortened — see the bank’s page]; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
55 Term Deposit - 24M Ftly: eligibility, conditions and features
- Eligibility
- minimum age: 55; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
55 Term Deposit - 36M Ftly: eligibility, conditions and features
- Eligibility
- minimum age: 55; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
55 Term Deposit - 3M Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 55; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
55 Term Deposit - 24M Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 55; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
55 Term Deposit - 36M Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 55; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
4 Month Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
7 Month Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
8 Month Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
9 Month Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
10 Month Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
11 Month Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
4 Month Term Deposit - Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
7 Month Term Deposit - Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
8 Month Term Deposit - Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
9 Month Term Deposit - Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
10 Month Term Deposit - Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
11 Month Term Deposit - Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
24 Month Term Deposit - Yearly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
36 Month Term Deposit - Yearly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
24 Month Term Deposit -6 Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
36 Month Term Deposit -6 Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
24 Month Term Deposit - Qrtly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
36 Month Term Deposit - Qrtly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
24 Month Term Deposit - Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
36 Month Term Deposit - Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
3 Month Term Deposit - Mthly: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
3 Month Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
1 Month Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
2 Month Term Deposit: eligibility, conditions and features
- Eligibility
- minimum age: 12; residency: You must be an Australian citizen and/or resident or a non-resident with a qual…
- Interest calculated
- daily
Also published, not ranked here: Farm Management Deposit other (product page).
Every line is the bank’s own statement in its feed, read that day — nothing is inferred, though some statements are shortened here (an ellipsis or a “shortened” mark shows where, and long lists are capped): the full text is on the bank’s own pages linked above. Early-withdrawal terms appear under conditions or features when a bank states them.
Rate historyevery sweep day since 26 Aug 2026 · 46 days · 14 terms
3mo 4.00% today
26 Aug 202610 Oct 2026
4mo 4.55% today
26 Aug 202610 Oct 2026
6mo 5.20% today
26 Aug 202610 Oct 2026
1yr 5.30% today
26 Aug 202610 Oct 2026
2yr 3.45% today
26 Aug 202610 Oct 2026
3yr 3.35% today
26 Aug 202610 Oct 2026
All 14 terms — the other 8
1mo 1.20% today
26 Aug 202610 Oct 2026
2mo 1.60% today
26 Aug 202610 Oct 2026
5mo 4.70% today
26 Aug 202610 Oct 2026
7mo 3.85% today
26 Aug 202610 Oct 2026
8mo 3.85% today
26 Aug 202610 Oct 2026
9mo 3.85% today
26 Aug 202610 Oct 2026
10mo 3.55% today
26 Aug 202610 Oct 2026
11mo 4.00% today
26 Aug 202610 Oct 2026
Each line is the best retail rate BCU Bank published for that term on each day we read its feed. A break in the line is a day we read no rate for that term — the feed could not be read, or the bank did not publish that term that day — never a rate carried forward.
Where BCU Bank sitsagainst the 77 banks ranked today
1yr: 22 banks ahead
- Community First Bank 5.60%
- Dnister Bank 5.55%
- Heartland Bank 5.55%
- Unity Bank 5.50%
- Alex Bank 5.50%
- Bank Australia 5.50%
- and 16 more on the leaderboard
6mo: 9 banks ahead
- Heartland Bank 5.45%
- RACQ Bank 5.45%
- Unity Bank 5.35%
- Dnister Bank 5.30%
- Bank Australia 5.30%
- Bank First 5.30%
- and 3 more on the leaderboard
Customer-owned banks52 banks · top 10 by best rate
| Bank | Best | Term | 6 m | 12 m | Market rank |
|---|---|---|---|---|---|
 Community First Bank | 5.60% | 1yr | 5.10% | 5.60% | #1 |
 Dnister Bank | 5.55% | 1yr | 5.30% | 5.55% | #2 |
| Unity Bank | 5.55% | 2yr | 5.35% | 5.50% | #2 |
 Bank Australia | 5.50% | 1yr | 5.30% | 5.50% | #5 |
 Bank First | 5.50% | 1yr | 5.30% | 5.50% | #5 |
 Qudos Bank | 5.50% | 1yr | 5.30% | 5.50% | #5 |
 Great Southern Bank | 5.45% | 1yr | 4.55% | 5.45% | #11 |
 People First Bank | 5.45% | 7mo | 5.00% | 5.20% | #11 |
 Police Credit Union | 5.45% | 11mo | 5.00% | 5.25% | #11 |
 QBANK | 5.45% | 1yr | 5.30% | 5.45% | #11 |
| BCU Bank | 5.30% | 1yr | 5.20% | 5.30% | #31 |
Timeline2 rate changes since 10 Sep 2026 · ▲1 ▼1 · 1 event
| Date | Term | From → to | Δ |
|---|---|---|---|
| 7 Oct 2026 | 1yr | 5.00 → 5.30 | ▲ +0.30 |
| 7 Oct 2026 | 5mo | 4.80 → 4.70 | ▼ −0.10 |
| 30 Sep 2026 | RBA | RBA cash rate 4.60% — up 0.25 pointsReserve Bank decision effective 2026-09-30: cash rate target 4.60%, a rise of 0.25 percentage points. | |
Questions about these rates
What is BCU Bank’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate BCU Bank publishes in its Consumer Data Right feed is 5.30% for 12 months (12 Month Term Deposit). That is joint #31 of the 77 Australian banks ranked by best rate today.
What is BCU Bank’s 12-month term deposit rate?
5.30% as read on 10 Oct 2026, 0.05 points above the market median of 5.25%, and joint #23 of the 75 banks publishing a 12-month rate. The market-best 12-month rate today is 5.60%.
What is the minimum deposit at BCU Bank?
The lowest minimum BCU Bank states in its feed is $1,000 (1 Month Term Deposit, 1-month). Check the product disclosure statement for balance tiers.
When did BCU Bank last change a term deposit rate?
The most recent change we read was on 7 Oct 2026: the 12-month rate moved from 5.00% to 5.30%. We have read 2 changes at BCU Bank since 10 Sep 2026.
Are deposits with BCU Bank guaranteed?
BCU Bank publishes its products under the Consumer Data Right as an Australian data holder. Under the Financial Claims Scheme, administered by APRA, protected Australian-dollar deposit accounts at an Australian-incorporated authorised deposit-taking institution (ADI) are covered up to $250,000 per account holder per ADI. Several brands can share one ADI licence, in which case the cap covers them together, so confirm which licence BCU Bank operates under before relying on the guarantee. Scheme facts checked against apra.gov.au (Financial Claims Scheme) on 15 Sep 2026 — the link is under “About BCU Bank” below; rates are as read on 10 Oct 2026.
About BCU Bank
- Also known as
- bcu
- Type
- Customer-owned bank (mutual)
- Part of
- P&N Group
- Website
- www.bcu.com.au
- Consumer Data Right feed
- https://public.cdr-api.bcu.com.au
- Deposit guarantee
- Financial Claims Scheme, up to $250,000 per account holder per ADI — scheme details and covered institutions at APRA (checked 15 Sep 2026)
The rates on this page are the retail term deposit rates BCU Bank publishes in its own Consumer Data Right product feed, read once a day. Business, SMSF and staff-only products are left out. A product the bank publishes as “tailored” (pricing may be negotiated) is included only when the bank also states it is open to individuals, and is marked as tailored. A day on which we read no rate is a gap on this page — never an estimate.
Facts about the institution reviewed 15 Sep 2026. Rates read 10 Oct 2026.
Savings accountshighinterestsavingsaccounts.org
BCU Bank has no savings account on today’s board at highinterestsavingsaccounts.org, our sister site for at-call savings rates.
Please note: the savings figures on this page are estimates only and may not reflect the return you actually receive. Actual returns vary with tax, fees, the interest payment frequency and any change the bank makes to a rate before you open the account. Rates are the bank’s own published Consumer Data Right figures and may differ for particular balance tiers or online-only products. Always read the product disclosure statement, confirm the rate with the bank, and consider your own circumstances. Nothing here is financial advice or a recommendation. This site is published by Nutshell Media Pty Ltd, which is not affiliated with any bank, credit union or building society.