---
title: "Fixed Term Deposit - 12 months — gmcu"
description: "Term Deposits from gmcu. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/gmcu/products/Term_Deposit_12_months
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-17T15:45:39.000+10:00
---

# Fixed Term Deposit - 12 months — gmcu

> Term Deposits from gmcu. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Term Deposits · Goulburn Murray Credit Union Co-Operative Ltd**

A 12 month term deposit available to invest your money and earn a fixed rate of interest

## At a glance

- **Fixed rate:** 4.9% (1 year)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Fixed · 1 year | 0.25% | Fixed Term Deposit - 12 months_Tier_1; Fixed Term Deposit - 12 months_Tier_1 | at maturity |
| Fixed · 1 year | 4.9% | Fixed Term Deposit - 12 months_Tier_2; Fixed Term Deposit - 12 months_Tier_2 | at maturity |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| EARLY_WITHDRAWAL_INT_ADJ — Capped at $0.00 · Interest rate is reduced when any amount is withdrawn from a Term Deposit before the maturity date. | Cash advance | $0.00 |

## Features

- **Digital banking** (Enquiry access only)
- **If you withdraw all or part of your deposit before maturity, the amount you withdraw early will be subject to a reduced return.**
- **Minimum term of three months, to a maximum of 24 months.**

## Eligibility

- **Individuals only**
- **You must become a member. Visit our website for more details.**

## Constraints

- **Opening balance** — $100.00
- **Minimum balance** — $100.00

## More information from gmcu

- [Overview](https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/)
- [Terms & conditions](https://www.gmcu.com.au/pds)
- [Eligibility](https://www.gmcu.com.au/pds)
- [Fees & pricing](https://www.gmcu.com.au/pds)

## Data provenance

- Published by gmcu under the Consumer Data Right
- Product ID: `Term_Deposit_12_months`
- Last updated by the provider: 17 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/gmcu/Term_Deposit_12_months
- Provider page: https://www.cdrcompare.au/brands/gmcu
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000179

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/gmcu/products/Term_Deposit_12_months) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)