Fixed Term Deposit

Invest your funds for a good return

Fixed rate: 4.6%; 12 months

Deposit Rates

Type	Rate	Applies To	Interest Paid
Fixed	2.6%	Fixed Term Deposit_TierFixed Term Deposit_Tier	at maturity
Fixed	3.1%	Fixed Term Deposit_TierFixed Term Deposit_Tier	at maturity
Fixed	4.6%	Fixed Term Deposit_TierFixed Term Deposit_Tier	at maturity
Fixed	4.6%	Fixed Term Deposit_TierFixed Term Deposit_Tier	at maturity
Fixed	4.5%	Fixed Term Deposit_TierFixed Term Deposit_Tier	at maturity
Fixed	4.6%	Fixed Term Deposit_TierFixed Term Deposit_Tier

Features

The minimum term available for this product is 3 months
Scaled penalty 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).

Eligibility

Individuals only
Residency status — If not an Australian resident, you must complete a Tax Residency Declaration
Must 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.
To 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.

Constraints

Minimum balance — $1,000.00Minimum amount to open a Fixed Term Deposit is $1,000
Maximum balance — $500,000.00Any deposits above this are at the Credit Union's discretion

More Information

Published by Laboratories Credit Union under the Consumer Data Right · Last updated 11 February 2026 · Product ID Fixed_Term_Deposit · View on CDR.gov.au