Fire Service Credit Union term deposit rates
4 terms published on 10 Oct 2026, best 4.35% for 3 months, from Fire Service Credit Union’s own Consumer Data Right feed.
Today’s rates >_Interest on a deposit →Fire Service Credit Union website →
Fire Service Credit Union at a glance
Today’s rates4 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 1mo | 4.05% | joint #2 of 33 | +2.55 | −0.05 | — | same on every day read since 26 Aug 2026 | $10,000 | I1 Cheque A Month |
| 3mo | 4.35% | joint #39 of 68 | −0.20 | −0.90 | — | same on every day read since 10 Sep 2026 | $25,000 | I3 FTD 3 Months |
| 6mo | 4.25% | joint #54 of 73 | −0.75 | −1.20 | — | same on every day read since 10 Sep 2026 | $25,000 | I5 FTD 6 Months |
| 1yr | 4.05% | #71 of 75 | −1.20 | −1.55 | — | same on every day read since 10 Sep 2026 | $5,000 | I12 FTD 12 Months |
“Rank”, “vs median” and “vs best” compare Fire Service 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 Fire Service Credit Union publishes about its products4 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| I1 Cheque A Month | monthly | $10,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| I3 FTD 3 Monthsbusiness | quarterly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| I5 FTD 6 Monthsbusiness | half-yearly (at maturity) | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| I12 FTD 12 Monthsbusiness | yearly (at maturity) | $5,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
I1 Cheque A Month: eligibility, conditions and features
- Eligibility
- individuals: Available for all members; To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.; residency: Australian Residents only
- Conditions
- min balance 10000.00
- The bank’s description
- 12 Month Term Deposit Interest Paid Monthly. A fixed term savings account offers a safe, guaranteed rate of return on your money for the life of the investment. FSCU offer a range of terms to suit your needs and goals.
- Interest calculated
- daily
I3 FTD 3 Months: eligibility, conditions and features
- Eligibility
- businesses: Available for all members; individuals: Available for all members; To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.; residency: Australian Residents only
- Conditions
- min balance 1000.00
- The bank’s description
- 3 Month Term Deposit Interest Paid at Maturity. A fixed term savings account offers a safe, guaranteed rate of return on your money for the life of the investment. FSCU offer a range of terms to suit your needs and goals
- Interest calculated
- daily
I5 FTD 6 Months: eligibility, conditions and features
- Eligibility
- businesses: Available for all members; individuals: Available for all members; To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.; residency: Australian Residents only
- Conditions
- min balance 1000.00
- The bank’s description
- 6 Month Term Deposit Interest Paid at Maturity. A fixed term savings account offers a safe, guaranteed rate of return on your money for the life of the investment. FSCU offer a range of terms to suit your needs and goals
- Interest calculated
- daily
I12 FTD 12 Months: eligibility, conditions and features
- Eligibility
- businesses: Available for all members; individuals: Available for all members; To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.; residency: Australian Residents only
- Conditions
- min balance 5000.00
- The bank’s description
- 12 Month Term Deposit Interest Paid at Maturity. A fixed term savings account offers a safe, guaranteed rate of return on your money for the life of the investment. FSCU offer a range of terms to suit your needs and goals
- 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; a retail product that is also open to businesses or SMSFs is marked.
Rate historyevery sweep day since 26 Aug 2026 · 46 days · 4 terms
3mo 4.35% today
26 Aug 202610 Oct 2026
6mo 4.25% today
26 Aug 202610 Oct 2026
1yr 4.05% today
26 Aug 202610 Oct 2026
All 4 terms — the other 1
1mo 4.05% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Fire Service 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 Fire Service Credit Union sitsagainst the 77 banks ranked today
1yr: 70 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 64 more on the leaderboard
6mo: 53 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 47 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 |
| Fire Service Credit Union | 4.35% | 3mo | 4.25% | 4.05% | #76 |
Timeline0 rate changes since 26 Aug 2026 · ▲0 ▼0 · 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. | |
Questions about these rates
What is Fire Service Credit Union’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Fire Service Credit Union publishes in its Consumer Data Right feed is 4.35% for 3 months (I3 FTD 3 Months). That is #76 of the 77 Australian banks ranked by best rate today.
What is Fire Service Credit Union’s 12-month term deposit rate?
4.05% as read on 10 Oct 2026, 1.20 points below the market median of 5.25%, and #71 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 Fire Service Credit Union?
The lowest minimum Fire Service Credit Union states in its feed is $5,000 (I12 FTD 12 Months, 12-month). Check the product disclosure statement for balance tiers.
When did Fire Service Credit Union last change a term deposit rate?
We have not read a change to any of Fire Service Credit Union’s published retail term deposit rates since we first read its feed on 26 Aug 2026. Days on which we read no rate are not counted as unchanged.
Are deposits with Fire Service Credit Union guaranteed?
Fire Service 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 Fire Service 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 Fire Service Credit Union” below; rates are as read on 10 Oct 2026.
About Fire Service Credit Union
- Also known as
- FSCU
- Type
- Customer-owned bank (mutual)
- Website
- www.fscu.com.au
- Consumer Data Right feed
- https://public.cdr-api.fscu.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 Fire Service 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
Fire Service 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.