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BCU Bank term deposit & savings rates in Australia

Best current rate: 5.25% p.a.

BCU Bank has 39 fixed-income products we compare in Australia, including a top term deposit rate of 5.25% p.a. Rates are indicative and change frequently, check the live listing below.

39 offers from BCU Bank · updated 25 Jun 2026

BCU Bank — Standard and Regular Income Term Deposits - 5 months

Term Deposit Govt guaranteed
9.5 Excellent
5.25%
p.a.
Term
5 months
Deposit
$1,000 – $1,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Among the most competitive 5-month term deposit rates
  • 5.25% p.a. fixed for the full 5-month term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid at maturity

Cons

  • Your money is locked away for the 5-month term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Boss Saver (bonus interest paid on balances up to $100k)

High-Interest Savings Govt guaranteed
9.5 Excellent
5.25%
p.a.
Term
At call
Deposit
$100 – $99,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • One of the most competitive variable savings rates
  • Up to 5.25% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Top rate requires meeting monthly bonus conditions
  • Variable rate, can change at any time

BCU Bank — Bonus Saver

High-Interest Savings Govt guaranteed
9.5 Excellent
5.20%
p.a.
Term
At call
Deposit
$0 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • One of the most competitive variable savings rates
  • Up to 5.2% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Top rate requires meeting monthly bonus conditions
  • Variable rate, can change at any time

BCU Bank — Power Saver

High-Interest Savings Govt guaranteed
9.4 Excellent
5.10%
p.a.
Term
At call
Deposit
$0 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • One of the most competitive variable savings rates
  • Up to 5.1% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Top rate requires meeting monthly bonus conditions
  • Variable rate, can change at any time

BCU Bank — Standard and Regular Income Term Deposits - 12 months

Term Deposit Govt guaranteed
9.3 Excellent
5.00%
p.a.
Term
12 months
Deposit
$1,000 – $1,000,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • 5.0% p.a. fixed for the full 1-year term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid annually

Cons

  • Your money is locked away for the 1-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 4 months

Term Deposit Govt guaranteed
9.1 Excellent
4.55%
p.a.
Term
4 months
Deposit
$1,000 – $1,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.55% p.a. fixed for the full 4-month term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid at maturity

Cons

  • Your money is locked away for the 4-month term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — 55 Plus Investment (Interest Paid Monthly) - 6 months

Term Deposit Govt guaranteed
9.0 Excellent
4.45%
p.a.
Term
6 months
Deposit
$5,000 – $1,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.45% p.a. fixed for the full 6-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 6-month term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 6 months

Term Deposit Govt guaranteed
9.0 Excellent
4.45%
p.a.
Term
6 months
Deposit
$1,000 – $1,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.45% p.a. fixed for the full 6-month term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid at maturity

Cons

  • Your money is locked away for the 6-month term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — 55 Plus Investment (Interest Paid Monthly) - 12 months

Term Deposit Govt guaranteed
8.9 Great
4.20%
p.a.
Term
12 months
Deposit
$5,000 – $1,000,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 4.2% p.a. fixed for the full 1-year term
  • Government guaranteed up to $250,000
  • Interest paid monthly

Cons

  • Your money is locked away for the 1-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 12 months

Term Deposit Govt guaranteed
8.9 Great
4.15%
p.a.
Term
12 months
Deposit
$1,000 – $1,000,000
Interest paid
Semi-annually
Monthly fee
$0
View details

Pros

  • 4.15% p.a. fixed for the full 1-year term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid semi-annually

Cons

  • Your money is locked away for the 1-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 12 months

Term Deposit Govt guaranteed
8.9 Great
4.10%
p.a.
Term
12 months
Deposit
$1,000 – $1,000,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 4.1% p.a. fixed for the full 1-year term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid monthly

Cons

  • Your money is locked away for the 1-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 12 months

Term Deposit Govt guaranteed
8.8 Great
4.02%
p.a.
Term
12 months
Deposit
$1,000 – $1,000,000
Interest paid
Quarterly
Monthly fee
$0
View details

Pros

  • 4.02% p.a. fixed for the full 1-year term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid quarterly

Cons

  • Your money is locked away for the 1-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 3 months

Term Deposit Govt guaranteed
8.8 Great
4.00%
p.a.
Term
3 months
Deposit
$1,000 – $1,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.0% p.a. fixed for the full 3-month term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid at maturity

Cons

  • Your money is locked away for the 3-month term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — 55 Plus Investment (Interest Paid Monthly) - 3 months

Term Deposit Govt guaranteed
8.8 Great
4.00%
p.a.
Term
3 months
Deposit
$5,000 – $1,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.0% p.a. fixed for the full 3-month term
  • Government guaranteed up to $250,000
  • Interest paid at maturity

Cons

  • Your money is locked away for the 3-month term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 11 months

Term Deposit Govt guaranteed
8.8 Great
4.00%
p.a.
Term
11 months
Deposit
$1,000 – $1,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 4.0% p.a. fixed for the full 11-month term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid at maturity

Cons

  • Your money is locked away for the 11-month term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 8 months

Term Deposit Govt guaranteed
8.7 Great
3.85%
p.a.
Term
8 months
Deposit
$1,000 – $1,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 3.85% p.a. fixed for the full 8-month term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid at maturity

Cons

  • Your money is locked away for the 8-month term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 7 months

Term Deposit Govt guaranteed
8.7 Great
3.85%
p.a.
Term
7 months
Deposit
$1,000 – $1,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 3.85% p.a. fixed for the full 7-month term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid at maturity

Cons

  • Your money is locked away for the 7-month term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 9 months

Term Deposit Govt guaranteed
8.7 Great
3.85%
p.a.
Term
9 months
Deposit
$1,000 – $1,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 3.85% p.a. fixed for the full 9-month term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid at maturity

Cons

  • Your money is locked away for the 9-month term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 10 months

Term Deposit Govt guaranteed
8.6 Great
3.55%
p.a.
Term
10 months
Deposit
$1,000 – $1,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 3.55% p.a. fixed for the full 10-month term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid at maturity

Cons

  • Your money is locked away for the 10-month term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — 55 Plus Investment (Interest Paid Monthly) - 24 months

Term Deposit Govt guaranteed
8.5 Great
3.45%
p.a.
Term
24 months
Deposit
$5,000 – $1,000,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 3.45% p.a. fixed for the full 2-year term
  • Government guaranteed up to $250,000
  • Interest paid monthly

Cons

  • Your money is locked away for the 2-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 24 months

Term Deposit Govt guaranteed
8.5 Great
3.45%
p.a.
Term
24 months
Deposit
$1,000 – $1,000,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • 3.45% p.a. fixed for the full 2-year term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid annually

Cons

  • Your money is locked away for the 2-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 24 months

Term Deposit Govt guaranteed
8.5 Great
3.40%
p.a.
Term
24 months
Deposit
$1,000 – $1,000,000
Interest paid
Semi-annually
Monthly fee
$0
View details

Pros

  • 3.4% p.a. fixed for the full 2-year term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid semi-annually

Cons

  • Your money is locked away for the 2-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 24 months

Term Deposit Govt guaranteed
8.5 Great
3.37%
p.a.
Term
24 months
Deposit
$1,000 – $1,000,000
Interest paid
Quarterly
Monthly fee
$0
View details

Pros

  • 3.37% p.a. fixed for the full 2-year term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid quarterly

Cons

  • Your money is locked away for the 2-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 36 months

Term Deposit Govt guaranteed
8.4 Great
3.35%
p.a.
Term
36 months
Deposit
$1,000 – $1,000,000
Interest paid
Annually
Monthly fee
$0
View details

Pros

  • 3.35% p.a. fixed for the full 3-year term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid annually

Cons

  • Your money is locked away for the 3-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 24 months

Term Deposit Govt guaranteed
8.4 Great
3.35%
p.a.
Term
24 months
Deposit
$1,000 – $1,000,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 3.35% p.a. fixed for the full 2-year term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid monthly

Cons

  • Your money is locked away for the 2-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — 55 Plus Investment (Interest Paid Monthly) - 36 months

Term Deposit Govt guaranteed
8.4 Great
3.35%
p.a.
Term
36 months
Deposit
$5,000 – $1,000,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 3.35% p.a. fixed for the full 3-year term
  • Government guaranteed up to $250,000
  • Interest paid monthly

Cons

  • Your money is locked away for the 3-year term
  • Requires at least $5,000
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 36 months

Term Deposit Govt guaranteed
8.4 Great
3.30%
p.a.
Term
36 months
Deposit
$1,000 – $1,000,000
Interest paid
Semi-annually
Monthly fee
$0
View details

Pros

  • 3.3% p.a. fixed for the full 3-year term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid semi-annually

Cons

  • Your money is locked away for the 3-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 36 months

Term Deposit Govt guaranteed
8.4 Great
3.27%
p.a.
Term
36 months
Deposit
$1,000 – $1,000,000
Interest paid
Quarterly
Monthly fee
$0
View details

Pros

  • 3.27% p.a. fixed for the full 3-year term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid quarterly

Cons

  • Your money is locked away for the 3-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Standard and Regular Income Term Deposits - 36 months

Term Deposit Govt guaranteed
8.4 Great
3.25%
p.a.
Term
36 months
Deposit
$1,000 – $1,000,000
Interest paid
Monthly
Monthly fee
$0
View details

Pros

  • 3.25% p.a. fixed for the full 3-year term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid monthly

Cons

  • Your money is locked away for the 3-year term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Scoot Super Saver

High-Interest Savings Govt guaranteed
8.4 Great
3.25%
p.a.
Term
At call
Deposit
$0 – $49,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 3.25% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Variable rate, can change at any time

BCU Bank — Golden Account

High-Interest Savings Govt guaranteed
7.9 Good
2.45%
p.a.
Term
At call
Deposit
$100,000 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 2.45% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Variable rate, can change at any time

BCU Bank — Scoot Super Saver

High-Interest Savings Govt guaranteed
7.8 Good
2.15%
p.a.
Term
At call
Deposit
$50,000 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 2.15% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Variable rate, can change at any time

BCU Bank — Golden Account

High-Interest Savings Govt guaranteed
7.8 Good
2.10%
p.a.
Term
At call
Deposit
$50,000 – $99,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 2.1% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Variable rate, can change at any time

BCU Bank — Golden Account

High-Interest Savings Govt guaranteed
7.5 Good
1.60%
p.a.
Term
At call
Deposit
$10,000 – $49,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 1.6% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Variable rate, can change at any time

BCU Bank — Standard and Regular Income Term Deposits - 2 months

Term Deposit Govt guaranteed
7.5 Good
1.60%
p.a.
Term
2 months
Deposit
$1,000 – $1,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 1.6% p.a. fixed for the full 2-month term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid at maturity

Cons

  • Your money is locked away for the 2-month term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — bcu business isaver

High-Interest Savings Govt guaranteed
7.5 Good
1.60%
p.a.
Term
At call
Deposit
$5,000 – $99,999,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 1.6% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Variable rate, can change at any time

BCU Bank — bcu business isaver

High-Interest Savings Govt guaranteed
7.5 Good
1.35%
p.a.
Term
At call
Deposit
$0 – $4,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 1.35% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Variable rate, can change at any time

BCU Bank — Standard and Regular Income Term Deposits - 1 month

Term Deposit Govt guaranteed
7.5 Good
1.20%
p.a.
Term
1 months
Deposit
$1,000 – $1,000,000
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • 1.2% p.a. fixed for the full 1-month term
  • Government guaranteed up to $250,000
  • Low $1,000 minimum to get started
  • Interest paid at maturity

Cons

  • Your money is locked away for the 1-month term
  • Breaking early usually needs notice and reduces your interest
  • Fixed rate, you won't benefit if rates rise during the term

BCU Bank — Golden Account

High-Interest Savings Govt guaranteed
7.5 Good
0.30%
p.a.
Term
At call
Deposit
$0 – $9,999
Interest paid
At maturity
Monthly fee
$0
View details

Pros

  • Up to 0.3% p.a. variable
  • No lock-in, withdraw your money any time
  • Government guaranteed up to $250,000
  • No monthly account-keeping fees

Cons

  • Variable rate, can change at any time

BCU Bank rates, frequently asked questions

What is BCU Bank's best term deposit rate?

BCU Bank's highest advertised term deposit rate is currently 5.25% p.a. on a 5-month term, interest paid at maturity. Rates change often, so confirm the current rate with BCU Bank.

What is BCU Bank's best savings account rate?

BCU Bank's highest savings rate is currently up to 5.25% p.a. (variable).

Are BCU Bank term deposits government guaranteed?

Yes, deposits with BCU Bank, as an Australian authorised deposit-taking institution, are covered by the Government's Financial Claims Scheme up to $250,000 per account holder, per institution.

Important information

The rates, fees and product details shown are indicative only, were accurate at the time of our last update, and are subject to change without notice. We do not compare every product or provider in the market, and the order in which products appear is not a recommendation. Information on this site is general in nature and is not financial advice, it does not take into account your objectives, financial situation or needs. Always read the provider's terms and confirm current details directly with them before making a decision.

Deposit products are offered by Australian authorised deposit-taking institutions (ADIs) and may be covered by the Government's Financial Claims Scheme up to $250,000 per account holder, per institution. Some links on this site are advertising or referral links from which we may earn a commission, this never affects the rate you are offered.

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