Predictable

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.

Interest rates

3-5 months

$5,0000 - $49,999

Interest paid monthly:

0.15% p.a.1

Interest paid on maturity: 

0.25% p.a.*

6-11 months

$5,000 - $49,999

Interest paid monthly:

0.15% p.a.1

Interest paid on maturity:

0.25% p.a.*

12-23 months

$5,000 - $49,999

Interest paid monthly:

0.15% p.a.1

Interest paid on maturity:

0.25% p.a.*

24 months

$5,000 - $49,999

Interest paid monthly:

0.20% p.a.1

Interest paid on maturity:

0.30% p.a.*

36 months

$5,000 - $49,999

Interest paid monthly:

0.25% p.a.1

Interest paid on maturity:

0.35% p.a.*

3-5 months

$50,0000 - $99,999

Interest paid monthly:

0.20% p.a.1

Interest paid on maturity: 

0.30% p.a.*

6-11 months

$50,000 - $99,999

Interest paid monthly:

0.20% p.a.1

Interest paid on maturity:

0.30% p.a.*

12-23 months

$50,000 - $99,999

Interest paid monthly:

0.20% p.a.1

Interest paid on maturity:

0.30% p.a.*

24 months

$50,000 - $99,999

Interest paid monthly:

0.25% p.a.1

Interest paid on maturity:

0.35% p.a.*

36 months

$50,000 - $99,999

Interest paid monthly:

0.30% p.a.1

Interest paid on maturity:

0.40% p.a.*

3-5 months

$100,0000 - $249,999

Interest paid monthly:

0.25% p.a.1

Interest paid on maturity: 

0.35% p.a.*

6-11 months

$100,000 - $249,999

Interest paid monthly:

0.25% p.a.1

Interest paid on maturity:

0.35% p.a.*

12-23 months

$100,000 - $249,999

Interest paid monthly:

0.25% p.a.1

Interest paid on maturity:

0.35% p.a.*

24 months

$100,000 - $249,999

Interest paid monthly:

0.30% p.a.1

Interest paid on maturity:

0.40% p.a.*

36 months

$100,000 - $249,999

Interest paid monthly:

0.35% p.a.1

Interest paid on maturity:

0.45% p.a.*

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 - $250,000.

How to apply

You can apply online, over the phone or by visiting one of our financial services stores.

Calculate your returns

Using our term deposit calculator, you can see what returns you can expect based on different amounts and terms.

Find out more

You can view Target Market Determinations here

1 Rates effective 20/10/21 and are subject to change without notice. Rates are for deposits between $5,000 and $250,000. Rates for amounts above $250,000 are negotiated at the discretion of Community First Credit Union. 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 | AFSL and Australian credit licence 231204 | BSB 512-170