Central West Credit Union term deposit rates
7 terms published on 10 Oct 2026, best 5.00% for 17 months, from Central West Credit Union’s own Consumer Data Right feed. Registered as Central West CUL.
Today’s rates >_Interest on a deposit →Central West Credit Union website →
Central West Credit Union at a glance
Today’s rates7 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 5mo | 3.25% | joint #44 of 50 | −1.05 | −1.95 | — | same on every day read since 10 Sep 2026 | $5,000 | $5000+ (3m to <6m) I6 |
| 6mo | 3.25% | #70 of 73 | −1.75 | −2.20 | — | same on every day read since 10 Sep 2026 | $5,000 | $5000+ (3m to <6m) I6 |
| 11mo | 3.40% | #41 of 45 | −0.60 | −2.05 | — | same on every day read since 10 Sep 2026 | $5,000 | $5000+ (6m to <12m) I3 |
| 1yr | 3.40% | #75 of 75 | −1.85 | −2.20 | — | same on every day read since 10 Sep 2026 | $5,000 | $5000+ (6m to <12m) I3 |
| 17mo | 5.00%market best | joint #1 of 13 | +0.70 | best | ▲ +0.10 8 Oct | in effect since 8 Oct 2026 | $5,000 | $5000+ (12m - 24m) I4 |
| 18mo | 4.90% | joint #10 of 25 | +0.60 | −0.60 | ▲ +0.10 8 Oct | in effect since 8 Oct 2026 | $5,000 | $5000+ (12m - 24m) I15 |
| 2yr | 5.00% | joint #17 of 67 | +0.30 | −0.55 | ▲ +0.10 8 Oct | in effect since 8 Oct 2026 | $5,000 | $5000+ (12m - 24m) I4 |
“Rank”, “vs median” and “vs best” compare Central West Credit Union 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 Central West Credit Union publishes about its products8 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| $5000+ (18m - 24m) I17 | at maturity, every 14 days, monthly, quarterly, half-yearly, yearly | $5,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| $5000+ (12m - 24m) I15 | at maturity, every 14 days, monthly, quarterly, half-yearly, yearly | $5,000 | $1,500,000 | 2 | product page · terms · fees · eligibility |
| $5000+ (12m - 24m) I4 | at maturity, monthly | $5,000 | $1,700,000 | 2 | product page · terms · fees · eligibility |
| $500+ (12m to 24m) I5 | at maturity | $500 | $4,999.99 | 4 | product page · terms · fees · eligibility |
| 500+ (6m to <12m) I1 | at maturity | $500 | $4,999.99 | 2 | product page · terms · fees · eligibility |
| $500+ (3m to <6m) I8 | at maturity | $500 | $4,999.99 | 2 | product page · terms · fees · eligibility |
| $5000+ (6m to <12m) I3 | at maturity | $5,000 | $1,000,000 | 2 | product page · terms · fees · eligibility |
| $5000+ (3m to <6m) I6 | at maturity | $5,000 | $1,000,000 | 2 | product page · terms · fees · eligibility |
$5000+ (18m - 24m) I17: eligibility, conditions and features
- Eligibility
- residency: Australian residents only
- Conditions
- min balance 5000.00
- Features
- other — Interest calculated daily, paid fortnightly; other — Interest calculated daily, paid monthly; other — Interest calculated daily, paid quarterly; other — Interest calculated daily, paid 6 monthly; other — Interest calculated daily, paid yearly; other — Interest calculated daily, paid at maturity
- The bank’s description
- A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time.
- Interest calculated
- daily
$5000+ (12m - 24m) I15: eligibility, conditions and features
- Eligibility
- residency: Australian residents only
- Conditions
- min balance 5000.00
- Features
- other — Interest calculated daily, paid fortnightly; other — Interest calculated daily, paid monthly; other — Interest calculated daily, paid quarterly; other — Interest calculated daily, paid 6 monthly; other — Interest calculated daily, paid yearly; other — Interest calculated daily, paid at maturity
- The bank’s description
- A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time.
- Interest calculated
- daily
$5000+ (12m - 24m) I4: eligibility, conditions and features
- Eligibility
- residency: Australian residents only
- Conditions
- min balance 5000.00
- Features
- other — Interest calculated daily, paid monthly; other — Interest calculated daily, paid at maturity
- The bank’s description
- A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time.
- Interest calculated
- daily
$500+ (12m to 24m) I5: eligibility, conditions and features
- Eligibility
- residency: Australian residents only
- Conditions
- min balance 500.00; max balance 4999.99
- Features
- other — Interest calculated daily, paid at maturity; extra repayments; redraw — Minimum amount $500
- The bank’s description
- A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time.
- Interest calculated
- daily
500+ (6m to <12m) I1: eligibility, conditions and features
- Eligibility
- residency: Australian residents only
- Conditions
- min balance 500.00; max balance 4999.99
- Features
- other — Interest calculated daily, paid at maturity
- The bank’s description
- A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time.
- Interest calculated
- daily
$500+ (3m to <6m) I8: eligibility, conditions and features
- Eligibility
- residency: Australian residents only
- Conditions
- min balance 500.00; max balance 4999.99
- Features
- other — Interest calculated daily, paid at maturity
- The bank’s description
- A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time.
- Interest calculated
- daily
$5000+ (6m to <12m) I3: eligibility, conditions and features
- Eligibility
- residency: Australian residents only
- Conditions
- min balance 5000.00
- Features
- other — Interest calculated daily, paid at maturity
- The bank’s description
- A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time.
- Interest calculated
- daily
$5000+ (3m to <6m) I6: eligibility, conditions and features
- Eligibility
- residency: Australian residents only
- Conditions
- min balance 5000.00
- Features
- other — Interest calculated daily, paid at maturity
- The bank’s description
- A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time.
- Interest calculated
- daily
Every line is the bank’s own statement in its feed, read that day — nothing is inferred. Early-withdrawal terms appear under conditions or features when a bank states them.
Rate historyevery sweep day since 26 Aug 2026 · 46 days · 7 terms
6mo 3.25% today
26 Aug 202610 Oct 2026
11mo 3.40% today
26 Aug 202610 Oct 2026
1yr 3.40% today
26 Aug 202610 Oct 2026
17mo 5.00% today
26 Aug 202610 Oct 2026
2yr 5.00% today
26 Aug 202610 Oct 2026
All 7 terms — the other 2
5mo 3.25% today
26 Aug 202610 Oct 2026
18mo 4.90% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Central West Credit Union 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 Central West Credit Union sitsagainst the 77 banks ranked today
1yr: 74 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 68 more on the leaderboard
6mo: 69 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 63 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 |
| Central West Credit Union | 5.00% | 17mo | 3.25% | 3.40% | #65 |
Timeline3 rate changes since 10 Sep 2026 · ▲3 ▼0 · 1 event
| Date | Term | From → to | Δ |
|---|---|---|---|
| 8 Oct 2026 | 17mo | 4.90 → 5.00 | ▲ +0.10 |
| 8 Oct 2026 | 18mo | 4.80 → 4.90 | ▲ +0.10 |
| 8 Oct 2026 | 2yr | 4.90 → 5.00 | ▲ +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 Central West Credit Union’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Central West Credit Union publishes in its Consumer Data Right feed is 5.00% for 17 months ($5000+ (12m - 24m) I4). That is joint #65 of the 77 Australian banks ranked by best rate today.
What is Central West Credit Union’s 12-month term deposit rate?
3.40% as read on 10 Oct 2026, 1.85 points below the market median of 5.25%, and #75 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 Central West Credit Union?
The lowest minimum Central West Credit Union states in its feed is $5,000 ($5000+ (3m to <6m) I6, 5-month). Check the product disclosure statement for balance tiers.
When did Central West Credit Union last change a term deposit rate?
The most recent change we read was on 8 Oct 2026: the 17-month rate moved from 4.90% to 5.00%. We have read 3 changes at Central West Credit Union since 10 Sep 2026.
Are deposits with Central West Credit Union guaranteed?
Central West Credit Union 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 Central West Credit Union 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 Central West Credit Union” below; rates are as read on 10 Oct 2026.
About Central West Credit Union
- Registered as
- Central West CUL
- Also known as
- CWCU
- Type
- Customer-owned bank (mutual)
- Website
- www.cwcu.com.au
- Consumer Data Right feed
- https://ib.cwcu.com.au/openbanking
- 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 Central West Credit Union 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
Central West Credit Union 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.