---
title: "Fixed Term Deposit — Laboratories Credit Union"
description: "Term Deposits from Laboratories Credit Union. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/laboratories-credit-union/products/Fixed_Term_Deposit
source: "CDR Compare"
language: en-AU
last_updated: 2026-02-11T12:18:04.000+11:00
---

# Fixed Term Deposit — Laboratories Credit Union

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

**Term Deposits · LCU**

Invest your funds for a good return

## At a glance

- **Fixed rate:** 4.6% (1 year)

## Apply

Applications are handled by the provider: [Apply at Laboratories Credit Union](https://join.lcu.com.au/getting-started)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Fixed · 5 months | 2.6% | Fixed Term Deposit_Tier $500–$1,000,000; Fixed Term Deposit_Tier 3–5 months | at maturity |
| Fixed · 11 months | 3.1% | Fixed Term Deposit_Tier $500–$1,000,000; Fixed Term Deposit_Tier 6–11 months | at maturity |
| Fixed · 1 year | 4.6% | Fixed Term Deposit_Tier $500–$1,000,000; Fixed Term Deposit_Tier 12 months | at maturity |
| Fixed · 23 months | 4.6% | Fixed Term Deposit_Tier $500–$1,000,000; Fixed Term Deposit_Tier 13–23 months | at maturity |
| Fixed · 35 months | 4.5% | Fixed Term Deposit_Tier $500–$1,000,000; Fixed Term Deposit_Tier 24–35 months | at maturity |
| Fixed · 3 years | 4.6% | Fixed Term Deposit_Tier $500–$1,000,000; Fixed Term Deposit_Tier 36 months | at maturity |

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

## More information from Laboratories Credit Union

- [Overview](https://lcu.com.au/fixed-term-deposits/)
- [Terms & conditions](https://lcu.com.au/disclosure-documents/)
- [Fees & pricing](https://lcu.com.au/disclosure-documents/)

## Data provenance

- Published by Laboratories Credit Union under the Consumer Data Right
- Product ID: `Fixed_Term_Deposit`
- Last updated by the provider: 11 February 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/laboratories-credit-union/Fixed_Term_Deposit
- Provider page: https://www.cdrcompare.au/brands/laboratories-credit-union
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000180

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/laboratories-credit-union/products/Fixed_Term_Deposit) — 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.

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