BCU Bank — Rate History

See BCU Bank's term deposit rate history and current term options. As of October 2026, BCU Bank's strongest current rates are on longer-term deposits, with up to 5.30% p.a. on a 1yr term. Shorter terms currently reach 5.20% p.a. for 6mo. Compare all current term deposit rates to see how BCU Bank compares with other Australian banks today.

3mo term

Rate p.a.	Interest paid	Min deposit	Valid from	Valid to
4.00% Current	Quarterly	$1k	12 May 2026	—
4.00% Current	Monthly	$5k	12 May 2026	—

6mo term

Rate p.a.	Interest paid	Min deposit	Valid from	Valid to
5.15% Current	At maturity	$5k	25 Aug 2026	—
5.20% Current	Semi-annually	$1k	25 Aug 2026	—
5.20%	At maturity	No minimum	24 Aug 2026	25 Aug 2026
4.40%	At maturity	$5k	12 May 2026	24 Aug 2026
4.45%	Semi-annually	$1k	11 Apr 2026	24 Aug 2026

1yr term

Rate p.a.	Interest paid	Min deposit	Valid from	Valid to
5.30% Current	At maturity	$1k	7 Oct 2026	—
4.45% Current	Semi-annually	$1k	7 Oct 2026	—
4.32% Current	Quarterly	$1k	7 Oct 2026	—
5.00%	At maturity	$1k	11 Apr 2026	7 Oct 2026
4.02%	Quarterly	$1k	11 Apr 2026	7 Oct 2026
4.15%	Semi-annually	$1k	11 Apr 2026	7 Oct 2026

2yr term

Rate p.a.	Interest paid	Min deposit	Valid from	Valid to
3.40% Current	Semi-annually	$1k	12 May 2026	—
3.37% Current	Quarterly	$1k	12 May 2026	—
3.45% Current	At maturity	$1k	11 Apr 2026	—

3yr term

Rate p.a.	Interest paid	Min deposit	Valid from	Valid to
3.30% Current	Semi-annually	$1k	12 May 2026	—
3.27% Current	Quarterly	$1k	12 May 2026	—
3.35% Current	At maturity	$1k	11 Apr 2026	—