Looking to securely grow your savings? Our term deposits can give you a higher rate of return on your investment than a standard savings account and they're guaranteed by the Australian Government's Financial Claims Scheme up to $250k.

Term Deposits up to
1.75
%
P.A
Fixed Rate*
Term Deposits up to
  • No Account Fees
  • Minimum Deposit of $5k
  • Terms from 1 month +

$5k - $99,999

$100k & Over

Interest Paid

Interest Rates
1 month
1.05% 1.10% At maturity
2 months
1.05% 1.10% At maturity
3 months
1.65% 1.70% At maturity
4 months
1.65% 1.70% At maturity
5 months
1.55% 1.60% At maturity
6 months
1.60% 1.65% At maturity
7 months
1.60% 1.65% At maturity
8 months
1.45% 1.50% At maturity
9 months
1.45% 1.50% At maturity
10 months
1.45% 1.50% At maturity
11 months
1.45% 1.50% At maturity
12 months
1.55% 1.60% At maturity
18 months
1.45% 1.50% At maturity or Annually
24 months
1.45% 1.50% At maturity or Annually
Interest Rates
Compare

$5k - $99,999

1 month
1.05%
2 months
1.05%
3 months
1.65%
4 months
1.65%
5 months
1.55%
6 months
1.60%
7 months
1.60%
8 months
1.45%
9 months
1.45%
10 months
1.45%
11 months
1.45%
12 months
1.55%
18 months
1.45%
24 months
1.45%

$100k & Over

1 month
1.10%
2 months
1.10%
3 months
1.70%
4 months
1.70%
5 months
1.60%
6 months
1.65%
7 months
1.65%
8 months
1.50%
9 months
1.50%
10 months
1.50%
11 months
1.50%
12 months
1.60%
18 months
1.50%
24 months
1.50%

Interest Paid

1 month
At maturity
2 months
At maturity
3 months
At maturity
4 months
At maturity
5 months
At maturity
6 months
At maturity
7 months
At maturity
8 months
At maturity
9 months
At maturity
10 months
At maturity
11 months
At maturity
12 months
At maturity
18 months
At maturity or Annually
24 months
At maturity or Annually

Have over $250k to Invest? Call us for a better rate!

I really appreciate the warm service at SCCU Byron Branch that makes popping in to do some banking surprisingly enjoyable. The friendly atmosphere has really encouraged me to make some big personal savings towards my goals and I like knowing my money is invested locally. SCCU works for me!
Jedd
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  • The Little Details

    Products issued by Southern Cross Credit Union Ltd. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. To decide if a product is right for you, please refer to the Summary of Accounts, Access Facilities and Transaction Limits. Deposits up to $250,000 per account holder are guaranteed by the Federal Government under the Financial Claims Scheme.

    Interest is calculated daily on whole balances and paid at maturity or annually for terms more than one year. If you’d like an early release of your term deposit before the maturity date an early withdrawal interest penalty will apply.

    *Fixed Rate is based on a deposit of $100,000 or greater for 3 months.