Orange Credit Union term deposit rates
5 terms published on 10 Oct 2026, best 5.35% for 12 months, from Orange Credit Union’s own Consumer Data Right feed. Registered as ORANGE CREDIT UNION LTD.
Today’s rates >_Interest on a deposit →Orange Credit Union website →
Orange Credit Union at a glance
Today’s rates5 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 3mo | 1.00% | #68 of 68 | −3.55 | −4.25 | — | same on every day read since 10 Sep 2026 | $1,000 | 3MTH FIXED TERM DEPOSIT |
| 6mo | 1.25% | #73 of 73 | −3.75 | −4.20 | — | same on every day read since 10 Sep 2026 | $500 | 6MTH FIXED TERM DEPOSIT |
| 9mo | 2.05% | #60 of 60 | −2.75 | −3.35 | — | same on every day read since 10 Sep 2026 | $500 | 9MTH FIXED TERM DEPOSIT |
| 1yr | 5.35% | joint #20 of 75 | +0.10 | −0.25 | — | same on every day read since 10 Sep 2026 | $50,000 | 12MTH FIXED TERM DEPOSIT WEALTH BUILDER |
| 2yr | 4.55% | #40 of 67 | −0.15 | −1.00 | — | same on every day read since 10 Sep 2026 | $50,000 | 24MTH FIXED TERM DEPOSIT WEALTH BUILDER |
“Rank”, “vs median” and “vs best” compare Orange 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 Orange Credit Union publishes about its products7 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| 6MTH FIXED TERM DEPOSIT | at maturity | $500 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| 3MTH FIXED TERM DEPOSIT | at maturity | $1,000 | $2,000,000 | 1 | product page · terms · fees · eligibility |
| 24 MONTHS | every 06 months | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| 9MTH FIXED TERM DEPOSIT | at maturity | $500 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| 12MTH FIXED TERM DEPOSIT | every 06 months | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| 12MTH FIXED TERM DEPOSIT WEALTH BUILDER | at maturity | $50,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| 24MTH FIXED TERM DEPOSIT WEALTH BUILDER | at maturity | $50,000 | $999,999 | 1 | product page · terms · fees · eligibility |
6MTH FIXED TERM DEPOSIT: eligibility, conditions and features
- Eligibility
- MEMBER ONLY
- Conditions
- min balance 1000.00
- Features
- card access: No — No; funds available after: P6M — Maturity. On maturity we will automatically re-invest your Term Deposit for the same term as you originally chose, unless you advise us otherwise. Minimum 7 days notice is required; digital banking — Balance Only; other — Early withdrawal penalty. Minimum 7 days notice is required for an early break in the relevant term, upon which a fee of $30 plus a rate reduction based on: 0 to 30% of term elapsed 30% of the init…; other — Interest Income at maturity; other — Branch Transactions: Yes; other — Periodical Payments: No; other — BPAY Phone & Internet: No; other — Direct Credits: No; other — Direct Debits: No
- The bank’s description
- FTD 6 MONTHS
- Interest calculated
- daily
3MTH FIXED TERM DEPOSIT: eligibility, conditions and features
- Eligibility
- residency
- Conditions
- min balance 1000.00
- Features
- funds available after: P3M — Maturity. On maturity we will automatically re-invest your Term Deposit for the same term as you originally chose, unless you advise us otherwise. Minimum 7 days notice is required; other — Early withdrawal penalty. Minimum 7 days notice is required for an early break in the relevant term, upon which a fee of $30 plus a rate reduction based on: 0 to 30% of term elapsed 30% of the init…; digital banking — Balance Only; card access: No — No; other — Branch Transactions: Yes; other — Direct Credits: No; other — Direct Debits: No; other — BPAY Phone & Internet: No; other — Periodical Payments: No
- The bank’s description
- TERM DEPOSIT 3 MONTHS
- Interest calculated
- daily
24 MONTHS: eligibility, conditions and features
- Eligibility
- residency
- Conditions
- min balance 1000.00
- Features
- digital banking — Balance Only; card access: No — No; funds available after: P2Y — Maturity. On maturity we will automatically re-invest your Term Deposit for the same term as you originally chose, unless you advise us otherwise. Minimum 7 days notice is required; other — Interest Income at maturity; other — Early withdrawal penalty. Minimum 7 days notice is required for an early break in the relevant term, upon which a fee of $30 plus a rate reduction based on: 0 to 30% of term elapsed 30% of the init…; other — Periodical Payments: No; other — Branch Transaction: Yes; other — BPAY Phone & Internet: No; other — Direct Debits: No; other — Direct Credits: No
- The bank’s description
- 24 MONTHS
- Interest calculated
- daily
9MTH FIXED TERM DEPOSIT: eligibility, conditions and features
- Eligibility
- MEMBER ONLY
- Conditions
- min balance 1000.00
- Features
- funds available after: P9M — Maturity. On maturity we will automatically re-invest your Term Deposit for the same term as you originally chose, unless you advise us otherwise. Minimum 7 days notice is required; other — Early withdrawal penalty. Minimum 7 days notice is required for an early break in the relevant term, upon which a fee of $30 plus a rate reduction based on: 0 to 30% of term elapsed 30% of the init…; other — Interest Income: At maturity; digital banking — Balance Only; card access: No — No; other — Branch Transaction: Yes; other — Direct Credits: No; other — Direct Debits: No; other — BPAY Phone & Internet: No; other — Periodical Payments: No
- The bank’s description
- FTD 9 MONTH
- Interest calculated
- daily
12MTH FIXED TERM DEPOSIT: eligibility, conditions and features
- Eligibility
- MEMBER ONLY
- Conditions
- min balance 1000.00
- Features
- funds available after: P1Y — Maturity. On maturity we will automatically re-invest your Term Deposit for the same term as you originally chose, unless you advise us otherwise. Minimum 7 days notice is required; other — Early withdrawal penalty. Minimum 7 days notice is required for an early break in the relevant term, upon which a fee of $30 plus a rate reduction based on: 0 to 30% of term elapsed 30% of the init…; other — Interest Income: At Maturity; digital banking — Balance Only; card access: No — No; other — Branch Transactions; other — Direct Credits: No; other — Direct Debits: No; other — BPAY Phone & Internet: No; other — Periodical Payments: No
- The bank’s description
- 12 MONTHS
- Interest calculated
- daily
12MTH FIXED TERM DEPOSIT WEALTH BUILDER: eligibility, conditions and features
- Eligibility
- NEW MEMBER ONLY
- Conditions
- min balance 50000.00
- Features
- digital banking — Balance Only; card access: No — No; funds available after: P1Y — Maturity. On maturity we will automatically re-invest your Term Deposit for the same term as you originally chose, unless you advise us otherwise. Minimum 7 days notice is required; other — Direct Debits: No; other — Direct Credits: No; other — Interest Income: At maturity; other — Branch Transaction: Yes; other — BPAY Phone & Internet: No; other — Early withdrawal penalty. Minimum 7 days notice is required for an early break in the relevant term, upon which a fee of $30 plus a rate reduction based on: 0 to 30% of term elapsed 30% of the init…
- The bank’s description
- 12 MONTHS WEALTH BUILDER
- Interest calculated
- daily
24MTH FIXED TERM DEPOSIT WEALTH BUILDER: eligibility, conditions and features
- Eligibility
- NEW MEMBER ONLY
- Conditions
- min balance 50000.00
- Features
- funds available after: P24M — Maturity. On maturity we will automatically re-invest your Term Deposit for the same term as you originally chose, unless you advise us otherwise. Minimum 7 days notice is required; card access: No — No; digital banking — Balance Only; other — Early withdrawal penalty. Minimum 7 days notice is required for an early break in the relevant term, upon which a fee of $30 plus a rate reduction based on: 0 to 30% of term elapsed 30% of the init…; other — Interest Income: At maturity; other — Direct Debits: No; other — Direct Credits: No; other — Branch Transaction: Yes
- The bank’s description
- 24 MONTHS WEALTH BUILDER
- 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 · 5 terms
3mo 1.00% today
26 Aug 202610 Oct 2026
6mo 1.25% today
26 Aug 202610 Oct 2026
9mo 2.05% today
26 Aug 202610 Oct 2026
1yr 5.35% today
26 Aug 202610 Oct 2026
2yr 4.55% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Orange 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 Orange Credit Union sitsagainst the 77 banks ranked today
1yr: 19 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 13 more on the leaderboard
6mo: 72 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 66 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 |
| Orange Credit Union | 5.35% | 1yr | 1.25% | 5.35% | #24 |
Timeline0 rate changes since 10 Sep 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 Orange Credit Union’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Orange Credit Union publishes in its Consumer Data Right feed is 5.35% for 12 months (12MTH FIXED TERM DEPOSIT WEALTH BUILDER). That is joint #24 of the 77 Australian banks ranked by best rate today.
What is Orange Credit Union’s 12-month term deposit rate?
5.35% as read on 10 Oct 2026, 0.10 points above the market median of 5.25%, and joint #20 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 Orange Credit Union?
The lowest minimum Orange Credit Union states in its feed is $500 (6MTH FIXED TERM DEPOSIT, 6-month). Check the product disclosure statement for balance tiers.
When did Orange Credit Union last change a term deposit rate?
We have not read a change to any of Orange Credit Union’s published retail term deposit rates since we first read its feed on 10 Sep 2026. Days on which we read no rate are not counted as unchanged.
Are deposits with Orange Credit Union guaranteed?
Orange 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 Orange 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 Orange Credit Union” below; rates are as read on 10 Oct 2026.
About Orange Credit Union
- Registered as
- ORANGE CREDIT UNION LTD
- Type
- Customer-owned bank (mutual)
- Website
- www.bankorange.com.au
- Consumer Data Right feed
- https://online.orangecu.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 Orange 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
Orange 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.