Credit Union SA term deposit rates
14 terms published on 10 Oct 2026, best 5.10% for 4 months, from Credit Union SA’s own Consumer Data Right feed.
Today’s rates >_Interest on a deposit →Credit Union SA website →
Credit Union SA at a glance
Today’s rates14 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 3mo | 3.00% | #66 of 68 | −1.55 | −2.25 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit |
| 4mo | 5.10% | joint #4 of 49 | +0.45 | −0.30 | ▼ −0.15 4 Sep | in effect since 4 Sep 2026 | $1,000 | Term Deposit |
| 5mo | 3.00% | #47 of 50 | −1.30 | −2.20 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit |
| 6mo | 3.00% | joint #71 of 73 | −2.00 | −2.45 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit |
| 7mo | 5.05% | #15 of 43 | +0.10 | −0.40 | ▼ −0.20 17 Sep | in effect since 17 Sep 2026 | $1,000 | Term Deposit |
| 8mo | 3.00% | #39 of 39 | −1.40 | −2.25 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit |
| 9mo | 3.00% | #59 of 60 | −1.80 | −2.40 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit |
| 10mo | 5.05% | joint #8 of 40 | +1.05 | −0.30 | ▼ −0.15 17 Sep | in effect since 17 Sep 2026 | $1,000 | Term Deposit |
| 11mo | 3.00% | #44 of 45 | −1.00 | −2.45 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit |
| 1yr | 5.00% | joint #59 of 75 | −0.25 | −0.60 | ▼ −0.20 17 Sep | in effect since 17 Sep 2026 | $1,000 | Term Deposit |
| 2yr | 2.90% | #64 of 67 | −1.80 | −2.65 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit |
| 3yr | 2.90% | #49 of 51 | −1.40 | −2.55 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit |
| 4yr | 2.90% | #30 of 32 | −1.10 | −2.60 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit |
| 5yr | 2.90% | #30 of 31 | −1.10 | −2.60 | — | same on every day read since 26 Aug 2026 | $1,000 | Term Deposit |
“Rank”, “vs median” and “vs best” compare Credit Union SA 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 Credit Union SA publishes about its products1 term deposit product · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| Term Deposit | half-yearly (at maturity), every 5 months (at maturity), every 9 months (at maturity), every 7 months (at maturity), yearly, quarterly (at maturity), every 24 months, every 8 months (at maturity) | $1,000 | not stated | 14 | product page · terms · fees · eligibility |
Term Deposit: eligibility, conditions and features
- Eligibility
- residency: Australian citizen or permanent resident
- Conditions
- min balance 1000.00; opening balance 1000.00
- Features
- digital banking
- The bank’s description
- Term Deposits allow you to lock away funds and earn a fixed interest rate for a set period, so you know exactly how much money you will earn. You can start with investing as little as $1,000. Term Deposits with terms of three, six or nine months automatically have interest paid at maturity. The int…
- 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 · 14 terms
3mo 3.00% today
26 Aug 202610 Oct 2026
6mo 3.00% today
26 Aug 202610 Oct 2026
1yr 5.00% today
26 Aug 202610 Oct 2026
2yr 2.90% today
26 Aug 202610 Oct 2026
3yr 2.90% today
26 Aug 202610 Oct 2026
5yr 2.90% today
26 Aug 202610 Oct 2026
All 14 terms — the other 8
4mo 5.10% today
26 Aug 202610 Oct 2026
5mo 3.00% today
26 Aug 202610 Oct 2026
7mo 5.05% today
26 Aug 202610 Oct 2026
8mo 3.00% today
26 Aug 202610 Oct 2026
9mo 3.00% today
26 Aug 202610 Oct 2026
10mo 5.05% today
26 Aug 202610 Oct 2026
11mo 3.00% today
26 Aug 202610 Oct 2026
4yr 2.90% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Credit Union SA 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 Credit Union SA sitsagainst the 77 banks ranked today
1yr: 58 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 52 more on the leaderboard
6mo: 70 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 64 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 |
| Credit Union SA | 5.10% | 4mo | 3.00% | 5.00% | #63 |
Timeline7 rate changes since 26 Aug 2026 · ▲0 ▼7 · 1 event
| Date | Term | From → to | Δ |
|---|---|---|---|
| 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. | |
| 17 Sep 2026 | 7mo | 5.25 → 5.05 | ▼ −0.20 |
| 17 Sep 2026 | 1yr | 5.20 → 5.00 | ▼ −0.20 |
| 17 Sep 2026 | 10mo | 5.20 → 5.05 | ▼ −0.15 |
| 4 Sep 2026 | 4mo | 5.25 → 5.10 | ▼ −0.15 |
| 4 Sep 2026 | 10mo | 5.35 → 5.20 | ▼ −0.15 |
| 4 Sep 2026 | 7mo | 5.35 → 5.25 | ▼ −0.10 |
| 4 Sep 2026 | 1yr | 5.25 → 5.20 | ▼ −0.05 |
Questions about these rates
What is Credit Union SA’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Credit Union SA publishes in its Consumer Data Right feed is 5.10% for 4 months (Term Deposit). That is joint #63 of the 77 Australian banks ranked by best rate today.
What is Credit Union SA’s 12-month term deposit rate?
5.00% as read on 10 Oct 2026, 0.25 points below the market median of 5.25%, and joint #59 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 Credit Union SA?
The lowest minimum Credit Union SA states in its feed is $1,000 (Term Deposit, 3-month). Check the product disclosure statement for balance tiers.
When did Credit Union SA last change a term deposit rate?
The most recent change we read was on 17 Sep 2026: the 7-month rate moved from 5.25% to 5.05%. We have read 7 changes at Credit Union SA since 26 Aug 2026.
Are deposits with Credit Union SA guaranteed?
Credit Union SA 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 Credit Union SA 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 Credit Union SA” below; rates are as read on 10 Oct 2026.
About Credit Union SA
- Type
- Customer-owned bank (mutual)
- Website
- www.creditunionsa.com.au
- Consumer Data Right feed
- https://openbanking.api.creditunionsa.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 Credit Union SA 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 accounts at Credit Union SAhighinterestsavingsaccounts.org
A savings account keeps the money at call, but its rate can change at any time and its best rate usually has monthly conditions. A term deposit locks one rate for its term. Both figures come from the bank’s own feed.
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.