Term Deposit rates
Credit Union SA offers competitive interest rates for term deposits with as little as $1,000 to get you started.
Term Deposit interest rates
| Product Name | Interest Rate |
|---|---|
| 3 Month Term Deposit | 3.00% p.a. |
| 4 Month Term Deposit | 3.00% p.a. |
| 5 Month Term Deposit | 3.00% p.a. |
| 6 Month Term Deposit | 5.30% p.a. |
| 7 Month Term Deposit | 3.00% p.a. |
| 8 Month Term Deposit | 3.00% p.a. |
| 9 Month Term Deposit | 5.55% p.a. |
| 10 Month Term Deposit | 3.00% p.a. |
| 11 Month Term Deposit | 3.00% p.a. |
| 12 Month Term Deposit (1 Year) | 5.35% p.a. |
| 24 Month Term Deposit (2 Years) | 5.20% p.a. |
| 36 Month Term Deposit (3 Years) | 2.90% pa |
| 48 Month Term Deposit (4 Years) | 2.90% pa |
| 60 Month Term Deposit (5 Years) | 2.90% pa |
If you want to withdraw all or part of your term deposit prior to maturity, you’ll need to provide 7 days' notice*. You may incur a Term Deposit Early Withdrawal Interest Reduction.
INFORMATION YOU SHOULD KNOW
The target market for this product can be found within the product’s Target Market Determination (TMD), available at creditunionsa.com.au/legal/terms-and-conditions/target-market-determination.
This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation. Interest rates are subject to change without notice. Deposits of up to $250,000 may be Government guaranteed. For further information visit Financial Claims Scheme.
*7 days’ notice period applies when withdrawing part or all of your Term Deposit before it matures. The notification is required for all accounts opened and/or renewed on or after 1 January 2026. Withdrawing your funds before maturity will incur a Term Deposit Early Withdrawal Interest Reduction - see our Deposit Accounts Fees and Charges.