My Credit Union

Term Deposits



If you want the peace of mind of a fixed interest rate on your investment, we offer term deposits featuring a choice of maturity durations and interest payment options.

Our Fixed Term Deposits are some of the most competitive on the market.

Invest as little as $500 with terms from 1 month through to 24 months. Talk to us today and we will get your money working harder for you.

Earn up to 1.00% pa1

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Fixed Term Deposits $5000 - $49999
Interest Rate
Maximum rate1.00% pa1
1 month0.35% pa
2 months0.55% pa
3 months0.80% pa
4 months0.80% pa
5 months0.80% pa
6 months0.80% pa
7 months0.80% pa
8 months0.80% pa
9 Months0.85% pa
10 months0.80% pa
11 months0.80% pa
12 months1.00% pa
18 months1.00% pa
24 months1.00% pa
Availability of fundsAt maturity
Minimum Deposit$500
Early withdrawal penalty2% interest reduction2
Interest IncomeMonthly. quarterly, 6 monthly, annually, at maturity
Mortgage offsetNo 
Passbook accessNo 
Cheque bookNo 
ATM/EFTPOS accessNo 
Direct CreditsNo 
Direct DebitsNo 
Visa DebitsNo 
Visa credit transactionNo 
Branch transactionsAt maturity only
Phone, Internet and Mobile BankingBalance only
Phone Internet and Mobile BPAYNo
PayID and OskoNo 
Periodic paymentsNo 
StatementsIssued 6 monthly


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Please note: Fees and charges apply. Interest rates are subject to change without notice. Full details and terms and conditions are available on application.

1 Interest rate based on $5,000+ for 24 months interest annually or at maturity

2 For amounts of $5,000 or more and at the Credit Union's option, more frequent interest payment options are available at a rate below the standard quoted rates; interest paid monthly 0.15% reduction, quarterly 0.10% reduction, 6 monthly 0.05% reduction. Requests for early redemption will be considered. Interest reduction of 2% applies.