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Watch your savings grow and avoid temptation to dip into your savings

Are you looking for a secure and smart way to grow your savings? Look no further! Our Term Deposit Accounts offer the perfect solution to help you achieve your financial goals.

Transaction accounts to suit your needs

Term Deposits

A fixed term savings account offers a safe, guaranteed rate of return on your money for the life of the investment. It can be an attractive option because the interest rate is usually higher than regular savings account rates.

No account keeping fee
No monthly account or application fees
Protected by the Financial Claims Scheme guarantee on deposits provision.
Fixed return on investment
You have the security of locking in a fixed rate of return.
Flexible Terms
You can choose from a range of terms to suit your needs
Open your Term Deposit
Open your 3 or 6 month Term Deposit via Internet Banking or Smartphone App if you are an existing member. For 12 month Term deposit contact FSCU
Featured Term Deposit

6 Month Term Deposit

Minimum deposit $25,000

Earn 4.75% p.a.

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Where banking matters

Interest rates

Enjoy knowing ahead of time what your investment is worth.

Guaranteed return Minimum $1,000 Terms 3, 6 & 12 months Interest Income available monthly or at maturity

Have a question or want more information? We are here to help!

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Minimum Balance
$1,000 - $4,999
$5,000 - $24,999
I3 - 3 Months

Interest Paid On maturity

1.95% p.a.
2.40% p.a.
2.65% p.a.
I5 - 6 Months

Interest Paid On maturity

3.50% p.a.
4.40% p.a.
4.75% p.a.
I10 - 12 Month

Interest Paid Quarterly

2.15% p.a.
2.35% p.a.
2.35% p.a.
I12 - 12 Month

Interest Paid On Maturity

4.35% p.a.
4.60% p.a.
I1 - 12 Month

Interest Paid monthly

Min balance $10,000
Min balance $10,000
4.35% p.a.
Hot tips

Here are our top 5 tips for selecting a term deposit:

1. Budget
Have a budget in place to cover daily expenses and avoid early withdrawal costs.
2. Hold Back Emergency Funds
Keep emergency funds separate to prevent premature withdrawals
3. Choose the right Term
Consider your finances and diversify with both short and long-term deposits.
4. Maximise your Returns
Larger initial deposits lead to higher returns, so consider maximising your contribution.
5. Stagger Maturity Dates
If you have multiple deposits, stagger their maturity dates for a steady flow of accessible funds.

The government will guarantee monies up to $250,000 per person per institution on deposits guaranteed under the Financial Claims Scheme.

Financial claims scheme guide

By following these tips, you can make informed decisions when choosing a term deposit that aligns with your financial goals and needs.

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