To prepare for the launch of our new Everyday Start Account, as well as some changes to early withdrawals to term deposits and how we electronically identify members, we're updating our disclosure documents, effective 1 August 2026.

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Term deposits made simple.

term deposit

Feel confident knowing exactly how much your money will earn.

With our Term Deposits you’ll have the security of locking in a fixed rate of return, giving you greater peace of mind.

You can choose from a range of terms to suit your needs. Anything from 3 to 24 months.

How to apply

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  • 1 Early withdrawals attract a reduced interest rate. 3-12 month terms: Interest paid at maturity. Interest may be added to principal amount to be reinvested or paid to an account. 24 month term: Interest paid annually. First interest amount paid to an account, second interest payment may be added to principal and reinvested or paid to an account. Minimum deposit $100. Rates for deposits greater than $2million are available on application. Fixed Interest. Calculated on Daily Balance. Refer to Conditions of Use for full details.

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We acknowledge the Traditional Owners of the lands on which we operate and pay our respects to Elders past and present, and to emerging community leaders. We also acknowledge the important role Aboriginal and Torres Strait Islander peoples continue to play within the communities in which GMCU operates and where our team members reside.