LCU
Monthly Interest 12 Month Term Deposit
LCU · term deposits
Provider last updated this product 2026-10-02.
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You'll complete your application on
LCU's website. Confirm the rate and fees with them
before applying.
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Deposit rates
| Type | Rate | Term | Calculated | Applies to | Conditions | Interest |
|---|---|---|---|---|---|---|
| FIXED | 3.50% | 5 months | daily | $5,000 - $2,000,000, 3 - 5 months | - | calculated daily, paid monthly |
| FIXED | 4.00% | 11 months | daily | $5,000 - $2,000,000, 6 - 11 months | - | calculated daily, paid monthly |
| FIXED | 4.90% | 12 months | daily | $5,000 - $2,000,000, 12 - 12 months | - | calculated daily, paid monthly |
| FIXED | 4.90% | 23 months | daily | $5,000 - $2,000,000, 13 - 23 months | - | calculated daily, paid quarterly |
| FIXED | 4.30% | 35 months | daily | $5,000 - $2,000,000, 24 - 35 months | - | calculated daily, paid monthly |
| FIXED | 4.20% | 36 months | daily | $5,000 - $2,000,000, 36 - 36 months | - | calculated daily, paid monthly |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 | 4.65% |
| 2026-10-01 | 2026-10-26 (current) | 4.90% |
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
- The minimum term available for this product is 12 months
- Scaled panalty applies, see linked URI
- Under the FCS certain deposits are protected up to a limit of $250,000 for each account holder at any bank, building society, credit union or other authorised deposit-taking institution (ADI) that is incorporated in Australia and authorised by the Australian Prudential Regulation Authority (APRA).
Who can apply
- natural person
- residency status - If not an Australian resident, you must complete a Tax Residency Declaration
- otherMust be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. "Own your Bank". $10 share is refunded if you choose to close your account.
- otherTo be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may be eligible to join if you: work or live in the greater Ryde area; have an association with Riverside Corporate or Macquarie Park; or work in a STEM industry.
Limits
- min balance - 1000.00Minimum amount to open a Fixed Term Deposit is $1,000
- max balance - 500000.00Any deposits above this are at the Credit Union's discretion
The provider's own documents
- Product overview › (opens in a new tab)
- Terms and conditions › (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: 2026-10-02T14:13:39.000+10:00 · Product ID: I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS