AUSavingsPulse

BCU Bank

Credit union

BCU Bank offers term deposits from four months to three years with a $1000 minimum deposit. The strongest rate is 5.15% p.a. on the five-month term, paid at maturity. The 12-month term offers 5.0% p.a., while rates decline significantly for longer terms, dropping to 3.35% p.a. at three years. Mid-range terms from seven to ten months cluster around 3.55% to 3.85% p.a.

Savings Accounts

5.10% p.a.
ongoing rate
Rate breakdown
Base rate: 0.20%
Bonus rate: + 4.90%
How to earn it

Deposit $500 or more into your linked BCU transaction account from an external source and make 5 or more Visa Debit card purchases each month. Bonus applies on balances up to $100,000.

Bonus rate applies on balances up to $100,000

Rate current since 23 Apr 2026.
4.85% p.a.
ongoing rate
Rate breakdown
Base rate: 0.50%
Bonus rate: + 4.35%
How to earn it

Bonus interest applied when minimum $100 deposited and no withdrawals made from the account during the calendar month. Bonus interest is paid on balances up to $250,000 with balances in excess of $250,000 receiving the standard rate.

Bonus rate applies on balances up to $250,000

Rate current since 10 Apr 2026.
0.05% p.a.
ongoing rate
Rate breakdown
Base rate: 0.05%
How to earn it
No conditions
Introductory rate
4.75% for 4 months

Then reverts to 0.05% ongoing rate.

Rate current since 10 Apr 2026.