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 month, at the end of the term or at periods in between.
Interest rates
6-11 months
$5,000 - $49,999
|
Interest paid monthly: |
4.35% p.a.1 |
|
Interest paid on maturity: |
4.45% p.a.1 |
12-23 months
$5,000 - $49,999
|
Interest paid monthly: |
4.60% p.a.1 |
|
Interest paid annually: |
4.70% p.a.1 |
24 months
$5,000 - $49,999
|
Interest paid monthly: |
4.65% p.a.1 |
|
Interest paid annually: |
4.75% p.a.1 |
36 months
$5,000 - $49,999
|
Interest paid monthly: |
4.65% p.a.1 |
|
Interest paid annually: |
4.75% p.a.1 |
6-11 months
$50,000 - $99,999
|
Interest paid monthly: |
4.35% p.a.1 |
|
Interest paid on maturity: |
4.45% p.a.1 |
12-23 months
$50,000 - $99,999
|
Interest paid monthly: |
4.60% p.a.1 |
|
Interest paid annually: |
4.70% p.a.1 |
24 months
$50,000 - $99,999
|
Interest paid monthly: |
4.65% p.a.1 |
|
Interest paid annually: |
4.75% p.a.1 |
36 months
$50,000 - $99,999
|
Interest paid monthly: |
4.65% p.a.1 |
|
Interest paid annually: |
4.75% p.a.1 |
6-11 months
$100,000 - $249,999
|
Interest paid monthly: |
4.40% p.a.1 |
|
Interest paid on maturity: |
4.50% p.a.1 |
12-23 months
$100,000 - $249,999
|
Interest paid monthly: |
4.65% p.a.1 |
|
Interest paid annually: |
4.75% p.a.1 |
24 months
$100,000 - $249,999
|
Interest paid monthly: |
4.70% p.a.1 |
|
Interest paid annually: |
4.80% p.a.1 |
36 months
$100,000 - $249,999
|
Interest paid monthly: |
4.70% p.a.1 |
|
Interest paid annually: |
4.80% p.a.1 |
6-11 months
$250,000 - $1,000,000
|
Interest paid monthly: |
4.40% p.a.1 |
|
Interest paid on maturity: |
4.50% p.a.1 |
12-23 months
$250,000 - $1,000,000
|
Interest paid monthly: |
4.65% p.a.1 |
|
Interest paid annually: |
4.75% p.a.1 |
24 months
$250,000 - $1,000,000
|
Interest paid monthly: |
4.70% p.a.1 |
|
Interest paid annually: |
4.80% p.a.1 |
36 months
$250,000 - $1,000,000
|
Interest paid monthly: |
4.70% p.a.1 |
|
Interest paid annually: |
4.80% p.a.1 |
Term Deposit specials
Interest on maturity
8 Month Term Deposit Special
Available for new money deposits from $50,000 up to $1 million. Higher amounts subject to approval.
Offer available until 31/8/24 or until total allocation is reached - whichever occurs first.
| 8 Month Term with interest paid on maturity: | 5.10%p.a 2 |
Interest on maturity
12 Month Term Deposit Special
Available for new money deposits from $50,000 up to $1 million. Higher amounts subject to approval.
Offer available until 31/8/24 or until total allocation is reached - whichever occurs first.
| 12 Month Term with interest paid on maturity: | 5.25%p.a 3 |
How to apply
You can apply online, over the phone or by visiting one of our financial services stores. If you're applying in the name of a business, call us on 1300 13 22 77.
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 14/05/24 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 11 June 2024 and subject to change without notice. Rate is for new deposits from $50,000 up to $1 million. Rate for amounts higher than $1 million is subject to approval. Offer can be withdrawn at any time. Offer is for new term deposits and is only eligible for funds that have not been with Community First or East Street in the last 14 days from the date of enquiry and where the offer conditions are met. Existing members are eligible so long as at least $50,000 of the funds are new deposits and have not been with Community First or Easy Street in the last 14 days and where offer conditions are met. Offer is available until 31 August 2024 or until total allocation is reached - whichever occurs first. Offer not available to business members. 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 15 July 2024 and subject to change without notice. Rate is for new deposits from $50,000 up to $1 million. Rate for amounts higher than $1 million is subject to approval. Offer can be withdrawn at any time. Offer is for new term deposits and is only eligible for funds that have not been with Community First or East Street in the last 14 days from the date of enquiry and where the offer conditions are met. Existing members are eligible so long as at least $50,000 of the funds are new deposits and have not been with Community First or Easy Street in the last 14 days and where offer conditions are met. Offer is available until 31 August 2024 or until total allocation is reached - whichever occurs first. Offer not available to business members. 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