See Southern Cross CU's term deposit rate history and current term options. As of August 2026, Southern Cross CU is currently most competitive on shorter-term deposits, with up to 5.00% p.a. on a 6mo term. For longer commitments, rates currently reach 5.00% p.a. for 1yr. Compare all current term deposit rates to see how Southern Cross CU compares with other Australian banks today.
3mo term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
4.85%
Current
At maturity
$5k
3 Aug 2026
—
4.60%
At maturity
$5k
1 Jun 2026
3 Aug 2026
6mo term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
5.00%
Current
Monthly
$5k
3 Aug 2026
—
5.00%
Current
At maturity
$5k
3 Aug 2026
—
4.75%
Monthly
$5k
11 Apr 2026
3 Aug 2026
4.75%
At maturity
$5k
11 Apr 2026
3 Aug 2026
1yr term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
5.00%
Current
Monthly
$5k
11 Apr 2026
—
5.00%
Current
At maturity
$5k
11 Apr 2026
—
18mo term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
3.50%
Current
At maturity
$5k
11 Apr 2026
—
2yr term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
4.70%
Current
At maturity
$5k
1 Jun 2026
—
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