Transport Mutual Credit Union term deposit rates
5 terms published on 10 Oct 2026, best 3.55% for 11 months, from Transport Mutual Credit Union’s own Consumer Data Right feed. Registered as TMCU.
Today’s rates >_Interest on a deposit →Transport Mutual Credit Union website →
Transport Mutual 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 |
|---|---|---|---|---|---|---|---|---|
| 5mo | 3.15% | #46 of 50 | −1.15 | −2.05 | — | same on every day read since 10 Sep 2026 | $1,000 | SELFMANAGED SUPER FUND |
| 6mo | 3.35% | #68 of 73 | −1.65 | −2.10 | — | same on every day read since 10 Sep 2026 | $1,000 | 3M TO LESS THAN 6M |
| 11mo | 3.55% | #39 of 45 | −0.45 | −1.90 | — | same on every day read since 10 Sep 2026 | $1,000 | 6M TO LESS THAN 12M |
| 23mo | 3.30% | #14 of 17 | −1.00 | −1.95 | — | same on every day read since 10 Sep 2026 | $5,000 | TERM 12-23MTHS (EDV) |
| 2yr | 3.30% | joint #62 of 67 | −1.40 | −2.25 | — | same on every day read since 10 Sep 2026 | $5,000 | 24 MTHS [EDVEST] |
“Rank”, “vs median” and “vs best” compare Transport Mutual 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 Transport Mutual Credit Union publishes about its products9 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| I22_12_TO_23_MONTHS | at maturity | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| I24_12_TO_23_MTHS_INT_4_WKLY | every 28 days | $5,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| 24 MONTH TERM | at maturity | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| 24 MTHS 4WKLY INT. | every 28 days | $5,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| 24 MTHS [EDVEST] | yearly | $5,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| TERM 12-23MTHS (EDV) | yearly | $5,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| 3M TO LESS THAN 6M | at maturity | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| 6M TO LESS THAN 12M | at maturity | $1,000 | $1,000,000 | 1 | product page · terms · fees · eligibility |
| SELFMANAGED SUPER FUND | at maturity | $1,000 | $1,000,000 | 4 | product page · terms · fees · eligibility |
I22_12_TO_23_MONTHS: eligibility, conditions and features
- Conditions
- min balance 1000.00
- The bank’s description
- I22_12_TO_23_MONTHS
- Interest calculated
- daily
I24_12_TO_23_MTHS_INT_4_WKLY: eligibility, conditions and features
- Eligibility
- individuals
- Conditions
- min balance 1000.00
- The bank’s description
- I24_12_TO_23_MTHS_INT_4_WKLY
- Interest calculated
- daily
24 MONTH TERM: eligibility, conditions and features
- Eligibility
- individuals
- Conditions
- min balance 1000.00
- The bank’s description
- 24 MONTH TERM
- Interest calculated
- daily
24 MTHS 4WKLY INT.: eligibility, conditions and features
- Eligibility
- individuals
- Conditions
- min balance 1000.00
- The bank’s description
- 24 MTHS 4WKLY INT.
- Interest calculated
- daily
24 MTHS [EDVEST]: eligibility, conditions and features
- Eligibility
- individuals
- Conditions
- min balance 1000.00
- The bank’s description
- 24 MTHS [EDVEST]
- Interest calculated
- daily
TERM 12-23MTHS (EDV): eligibility, conditions and features
- Conditions
- min balance 1000.00
- The bank’s description
- TERM 12-23MTHS (EDV)
- Interest calculated
- daily
3M TO LESS THAN 6M: eligibility, conditions and features
- Eligibility
- individuals
- Conditions
- min balance 1000.00
- The bank’s description
- 3M TO LESS THAN 6M
- Interest calculated
- daily
6M TO LESS THAN 12M: eligibility, conditions and features
- Eligibility
- individuals
- Conditions
- min balance 1000.00
- The bank’s description
- 6M TO LESS THAN 12M
- Interest calculated
- daily
SELFMANAGED SUPER FUND: eligibility, conditions and features
- The bank’s description
- SELFMANAGED SUPER FUND
- 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
6mo 3.35% today
26 Aug 202610 Oct 2026
11mo 3.55% today
26 Aug 202610 Oct 2026
2yr 3.30% today
26 Aug 202610 Oct 2026
All 5 terms — the other 2
5mo 3.15% today
26 Aug 202610 Oct 2026
23mo 3.30% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Transport Mutual 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 Transport Mutual Credit Union sitsagainst the 77 banks ranked today
6mo: 67 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 61 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 |
| Transport Mutual Credit Union | 3.55% | 11mo | 3.35% | — | #77 |
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 Transport Mutual Credit Union’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Transport Mutual Credit Union publishes in its Consumer Data Right feed is 3.55% for 11 months (6M TO LESS THAN 12M). That is #77 of the 77 Australian banks ranked by best rate today.
What is the minimum deposit at Transport Mutual Credit Union?
The lowest minimum Transport Mutual Credit Union states in its feed is $1,000 (SELFMANAGED SUPER FUND, 5-month). Check the product disclosure statement for balance tiers.
When did Transport Mutual Credit Union last change a term deposit rate?
We have not read a change to any of Transport Mutual 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 Transport Mutual Credit Union guaranteed?
Transport Mutual 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 Transport Mutual 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 Transport Mutual Credit Union” below; rates are as read on 10 Oct 2026.
About Transport Mutual Credit Union
- Registered as
- TMCU
- Also known as
- TMCU
- Type
- Customer-owned bank (mutual)
- Website
- www.transportmutual.com.au
- Consumer Data Right feed
- https://banking.transportmutual.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 Transport Mutual 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
Transport Mutual 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.