Goulburn Murray Credit Union Co-Operative Ltd
Monthly Income Term Deposit - 12 Months
Goulburn Murray Credit Union Co-Operative Ltd · term deposits
Provider last updated this product 2026-10-05.
Go to provider
You'll complete your application on
Goulburn Murray Credit Union Co-Operative Ltd's website. Confirm the rate and fees with them
before applying.
a 12 month, monthly income term deposit available to invest your money and earn a fixed rate of interest. Interest is paid monthly into a gmcu account.
Deposit rates
| Type | Rate | Term | Calculated | Applies to | Conditions | Interest |
|---|---|---|---|---|---|---|
| FIXED | 0.25% | 12 months | daily | $3,000 - $4,999, 12 - 12 months | - | calculated daily, paid monthly |
| FIXED | 5.05% | 12 months | daily | $4,999.01 - $1,000,000, 12 - 12 months | - | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| EARLY_WITHDRAWAL_INT_ADJ | CASH_ADVANCE | $0 | Interest rate is reduced when any amount is withdrawn from a Term Deposit before the maturity date. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-08-16 | 5.30% |
| 2026-08-17 | 2026-08-17 | 4.80% |
| 2026-08-18 | 2026-08-18 | 5.30% |
| 2026-08-21 | 2026-10-04 | 4.80% |
| 2026-10-05 | 2026-10-26 (current) | 5.05% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- If you withdraw all or part of your deposit before maturity, the amount you withdraw early will be subject to a reduced return.
- We offer terms of 6 months, 12 months or 24 months.
Who can apply
- natural person
- otherYou must become a member. Visit our website for more details.
Limits
- opening balance - 3000.00
- min balance - 3000.00
The provider's own documents
- Product overview › (opens in a new tab)
- Terms and conditions › (opens in a new tab)
- Eligibility criteria › (opens in a new tab)
- Fees and pricing › (opens in a new tab)
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-10-05T16:15:15.000+11:00 · Product ID: Monthly_Income_Term_Deposit-_12_months