--- title: "TERM DEPOSIT — Southern Cross Credit Union" description: "Term Deposits from Southern Cross Credit Union. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/southern-cross-credit-union/products/STANDARD_TERM_DEPOSIT source: "CDR Compare" language: en-AU last_updated: 2026-08-02T22:31:36.000+10:00 --- # TERM DEPOSIT — Southern Cross Credit Union > Term Deposits from Southern Cross Credit Union. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Term Deposits · SCCU** Term Deposit ## At a glance - **Fixed rate:** 5.4% (9 months) ## Apply Applications are handled by the provider: [Apply at Southern Cross Credit Union](https://www.sccu.com.au/term-deposits/term-deposit-application/) ## Deposit rates | Type | Rate | Applies to | Interest paid | | --- | --- | --- | --- | | Fixed · 1 month (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 1.15% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 1 month | at maturity | | Fixed · 2 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 1.15% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 2 months | at maturity | | Fixed · 3 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 4.85% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 3 months | at maturity | | Fixed · 4 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 4.5% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 4 months | at maturity | | Fixed · 5 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 4.05% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 5 months | at maturity | | Fixed · 6 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 5% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 6 months | at maturity | | Fixed · 6 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 5% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 6 months | monthly | | Fixed · 7 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 5% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 7 months | at maturity | | Fixed · 7 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 5% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 7 months | monthly | | Fixed · 8 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 3.8% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 8 months | at maturity | | Fixed · 8 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 3.8% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 8 months | monthly | | Fixed · 9 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 5.4% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 9 months | at maturity | | Fixed · 9 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 5.4% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 9 months | monthly | | Fixed · 10 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 3.8% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 10 months | at maturity | | Fixed · 10 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 3.8% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 10 months | monthly | | Fixed · 11 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 5.1% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 11 months | at maturity | | Fixed · 11 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 5.1% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 11 months | monthly | | Fixed · 1 year (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 5% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 12 months | at maturity | | Fixed · 1 year (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 5% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 12 months | monthly | | Fixed · 18 months (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 3.5% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 18 months | every 12 months | | Fixed · 2 years (Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry) | 4.7% | TERM DEPOSIT_Tier $5,000–$20,000,000; TERM DEPOSIT_Tier 24 months | every 12 months | ## More information from Southern Cross Credit Union - [Overview](https://www.sccu.com.au/term-deposits/) - [Terms & conditions](https://www.sccu.com.au/product-disclosures/) - [Eligibility](https://www.sccu.com.au/Term-Deposit-TMD) - [Fees & pricing](https://www.sccu.com.au/Schedule-of-Fees-and-Charges) ## Data provenance - Published by Southern Cross Credit Union under the Consumer Data Right - Product ID: `STANDARD_TERM_DEPOSIT` - Last updated by the provider: 2 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/southern-cross-credit-union/STANDARD_TERM_DEPOSIT - Provider page: https://www.cdrcompare.au/brands/southern-cross-credit-union - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000103 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/southern-cross-credit-union/products/STANDARD_TERM_DEPOSIT) — product data published by Australian data holders under the Consumer Data Right. 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