Predictable
Whether you're a personal investor, business or SMSF, lock in your interest rate for a term and enjoy guaranteed returns.
Secure
Eligible deposits up to $250,000 are protected under the Australian Government's Financial Claims Scheme.
Flexible
You can choose to be paid every 28 days, at the end of the term or at periods in between.
Term Deposit Specials
Personal Investors &
Self-Managed Super-Funds
12 Month Term Deposit
Available for new deposits from $50,000 up to $1 million. Interest paid on maturity.
| Offer available until total allocation is reached. Offer can be withdrawn at anytime: | 5.25%p.a 2 |
Businesses
12 Month Term Deposit
Available for new deposits from $250,000 up to $4 million. Interest paid on maturity.
| Offer available until total allocation is reached. Offer can be withdrawn at anytime: | 5.00%p.a 3 |
Interest rates
6-11 months
$5,000 - $49,999
|
Interest paid monthly: |
4.15% p.a.1 |
|
Interest paid on maturity: |
4.25% p.a.1 |
12-23 months
$5,000 - $49,999
|
Interest paid monthly: |
4.50% p.a.1 |
|
Interest paid annually: |
4.60% p.a.1 |
24 months
$5,000 - $49,999
|
Interest paid monthly: |
4.90% p.a.1 |
|
Interest paid annually: |
5.00% p.a.1 |
36 months
$5,000 - $49,999
|
Interest paid monthly: |
4.90% p.a.1 |
|
Interest paid annually: |
5.00% p.a.1 |
6-11 months
$50,000 - $99,999
|
Interest paid monthly: |
4.15% p.a.1 |
|
Interest paid on maturity: |
4.25% p.a.1 |
12-23 months
$50,000 - $99,999
|
Interest paid monthly: |
4.50% p.a.1 |
|
Interest paid annually: |
4.60% p.a.1 |
24 months
$50,000 - $99,999
|
Interest paid monthly: |
4.90% p.a.1 |
|
Interest paid annually: |
5.00% p.a.1 |
36 months
$50,000 - $99,999
|
Interest paid monthly: |
4.90% p.a.1 |
|
Interest paid annually: |
5.00% p.a.1 |
6-11 months
$100,000 - $249,999
|
Interest paid monthly: |
4.20% p.a.1 |
|
Interest paid on maturity: |
4.30% p.a.1 |
12-23 months
$100,000 - $249,999
|
Interest paid monthly: |
4.55% p.a.1 |
|
Interest paid annually: |
4.65% p.a.1 |
24 months
$100,000 - $249,999
|
Interest paid monthly: |
4.90% p.a.1 |
|
Interest paid annually: |
5.00% p.a.1 |
36 months
$100,000 - $249,999
|
Interest paid monthly: |
4.90% p.a.1 |
|
Interest paid annually: |
5.00% p.a.1 |
6-11 months
$250,000 - $1,000,000
|
Interest paid monthly: |
4.20% p.a.1 |
|
Interest paid on maturity: |
4.30% p.a.1 |
12-23 months
$250,000 - $1,000,000
|
Interest paid monthly: |
4.55% p.a.1 |
|
Interest paid annually: |
4.65% p.a.1 |
24 months
$250,000 - $1,000,000
|
Interest paid monthly: |
4.90% p.a.1 |
|
Interest paid annually: |
5.00% p.a.1 |
36 months
$250,000 - $1,000,000
|
Interest paid monthly: |
4.90% p.a.1 |
|
Interest paid annually: |
5.00% p.a.1 |
How to apply
You can apply online, over the phone or by visiting one of our financial services stores.
If you're a business or Self-Managed Super Fund (SMSF), give us a call on 1300 13 22 77 to apply.
Features
$0
Monthly fees
No monthly or account keeping fees.
3
Months
The minimum term you can select.
3
Years
The maximum term you can select.
$5,000
Minimum investment
Invest from $5,000 - $1,000,000.
Calculate your returns
Using our term deposit calculator, you can see what returns you can expect based on different amounts and terms.
Find out moreYou can view Target Market Determinations here.
1 Rates effective 09/11/23 and are subject to change without notice. Rates are for deposits between $5,000 and $1,000,000. Rates for amounts above $1,000,000 are negotiated at the discretion of Community First Bank. If you seek an early release of your term deposit prior to its maturity date, an early withdrawal interest penalty may apply. Interest paid cannot be compounded into the investment. Term Deposits are available to be withdrawn at maturity. We may require up to 7 days written notice of your intention to make an early withdrawal.
2 Offer terms and conditions: Rate is effective from 09/11/2023 and is available until the limited allocation is reached. Offer is subject to change without notice and can be withdrawn at any time. Rate is available for new deposits between $50,000 and $1,000,000. Rates for amounts above $1,000,000 are negotiated at the discretion of Community First Bank. Offer is for new term deposits and is only eligible for funds that have not been with Community First or Easy Street in the last 14 days from the date of enquiry and where the offer conditions are met. If you seek an early release of your term deposit prior to its maturity date, an early withdrawal interest penalty may apply. Interest paid cannot be compounded into the investment. Term Deposits are available to be withdrawn at maturity. We may require up to 7 days written notice of your intention to make an early withdrawal.
3 Offer terms and conditions: Rate is effective from 09/11/2023 and is available until the limited allocation is reached. Offer is subject to change without notice and can be withdrawn at any time. Rate is available for new deposits between $250,000 and $4,000,000. Rates for amounts above $4,000,000 are negotiated at the discretion of Community First Bank. Offer is for new term deposits and is only eligible for funds that have not been with Community First or Easy Street in the last 14 days from the date of enquiry and where the offer conditions are met. If you seek an early release of your term deposit prior to its maturity date, an early withdrawal interest penalty may apply. Interest paid cannot be compounded into the investment. Term Deposits are available to be withdrawn at maturity. We may require up to 7 days written notice of your intention to make an early withdrawal.
Community First Credit Union LimitedABN 80 087 649 938 | Operating as Community First Bank | AFSL and Australian credit licence 231204| BSB 512-170