Money / Banks

BCU Bank

What BCU Bank publishes about its products under the Consumer Data Right, as at 16 October 2026. For current details, check BCU Bank's own website.

Savings and transaction accounts

Rates for a $10,000 balance. Compare with other banks.

Account	If you miss the conditions	Bonus	With the bonus	What you have to do
Bonus Saver	0.05%	–	0.05%	No bonus New accounts: an extra 5.30% for 4 months
Boss Saver	0.20%	–	0.20%	No bonus
Business iSaver	1.60%	–	1.60%	No bonus
Golden Account	0.30%	–	0.30%	No bonus
Power Saver	0.50%	4.60%	5.10%	Make no withdrawals Put in at least $100 a month New customers or new accounts only Bonus only on balances up to $250,000 In the bank's words Bonus interest is paid on balances up to $250,000 with balances in excess of $250,000 receiving the standard rate.
Scoot Super Saver	3.25%	–	3.25%	No bonus. Up to age 12

Term deposits

The rate for $10,000 (or the smallest deposit it takes). Compare with other banks.

Product	3 months	6 months	12 months	24 months	Smallest deposit
1 Month Term Deposit	–	–	–	–	$1,000
10 Month Term Deposit	–	–	–	–	$1,000
10 Month Term Deposit - Mthly	–	–	–	–	$1,000
11 Month Term Deposit	–	–	–	–	$1,000
11 Month Term Deposit - Mthly	–	–	–	–	$1,000
12 Month Term Deposit	–	–	5.30%	–	$1,000
12 Month Term Deposit - Mthly	–	–	4.40%	–	$1,000
12 Month Term Deposit - Qrtly	–	–	4.32%	–	$1,000
12 Month Term Deposit -6 Mthly	–	–	4.45%	–	$1,000
2 Month Term Deposit	–	–	–	–	$1,000
24 Month Term Deposit - Mthly	–	–	–	3.35%	$1,000
24 Month Term Deposit - Qrtly	–	–	–	3.37%	$1,000
24 Month Term Deposit - Yearly	–	–	–	3.45%	$1,000
24 Month Term Deposit -6 Mthly	–	–	–	3.40%	$1,000
3 Month Term Deposit	4.00%	–	–	–	$1,000
3 Month Term Deposit - Mthly	3.90%	–	–	–	$1,000
36 Month Term Deposit - Mthly	–	–	–	–	$1,000
36 Month Term Deposit - Qrtly	–	–	–	–	$1,000
36 Month Term Deposit - Yearly	–	–	–	–	$1,000
36 Month Term Deposit -6 Mthly	–	–	–	–	$1,000
4 Month Term Deposit	–	–	–	–	$1,000
4 Month Term Deposit - Mthly	–	–	–	–	$1,000
5 Month Term Deposit	–	–	–	–	$1,000
5 Month Term Deposit - Mthly	–	–	–	–	$1,000
55 Term Deposit - 12M Ftly	–	–	4.45%	–	$5,000
55 Term Deposit - 12M Mthly	–	–	4.50%	–	$5,000
55 Term Deposit - 24M Ftly	–	–	–	3.40%	$5,000
55 Term Deposit - 24M Mthly	–	–	–	3.45%	$5,000
55 Term Deposit - 36M Ftly	–	–	–	–	$5,000
55 Term Deposit - 36M Mthly	–	–	–	–	$5,000
55 Term Deposit - 3M Mthly	4.00%	–	–	–	$5,000
55 Term Deposit - 6M Ftly	–	5.15%	–	–	$5,000
55 Term Deposit - 6M Mthly	–	5.20%	–	–	$5,000
6 Month Term Deposit	–	5.20%	–	–	$1,000
6 Month Term Deposit - Mthly	–	5.10%	–	–	$1,000
7 Month Term Deposit	–	–	–	–	$1,000
7 Month Term Deposit - Mthly	–	–	–	–	$1,000
8 Month Term Deposit	–	–	–	–	$1,000
8 Month Term Deposit - Mthly	–	–	–	–	$1,000
9 Month Term Deposit	–	–	–	–	$1,000
9 Month Term Deposit - Mthly	–	–	–	–	$1,000
Farm Management Deposit	–	–	5.00%	–	$1,000

Home loans

Owner-occupier, principal and interest, borrowing 80% of the home's value. Compare with other banks.

Loan	Variable	Comparison	Fixed 1 yr	Fixed 2 yr	Fixed 3 yr	Fixed 4 yr	Fixed 5 yr
Bridging Loan new customers changed 13 Oct	10.01%	10.04%	–	–	–	–	–
Fixed P&I Home Loan changed 13 Oct	–	–	6.49%	6.49%	6.69%	6.74%	6.79%
Offset Home Loan LVR <60 new customers changed 13 Oct	6.39%	6.42%	–	–	–	–	–
Offset Home Loan LVR >60-80 new customers changed 13 Oct	6.48%	6.51%	–	–	–	–	–
Offset Home Loan LVR >80 new customers changed 13 Oct	6.64%	6.67%	–	–	–	–	–
OMG Home Loan (P&I) LVR<60 new customers changed 13 Oct	6.24%	6.27%	–	–	–	–	–
OMG Home Loan (P&I) LVR>60-80 new customers changed 13 Oct	6.29%	6.32%	–	–	–	–	–
OMG Home Loan (P&I) LVR>80 new customers changed 13 Oct	6.54%	6.57%	–	–	–	–	–

Credit cards

Compare with other banks.

Card	Purchases	Cash	Annual fee	Interest-free days	Owing $2,000
Classic Credit Card	11.95%	14.80%	$45	52	$284
Rewards Credit Card	13.05%	14.80%	$89	52	$350

Other products in these groups

These don't list rates we can show in a table (for example, accounts that pay no interest).

Access Account Savings and transaction accounts
Basic Inv Loan (P&I) LVR<70 Home loans
Basic Inv Loan (P&I) LVR>70 Home loans
Basic Investment Loan (IO) Home loans
Business Access Savings and transaction accounts
Business Basic Access Savings and transaction accounts
Concession Account Savings and transaction accounts
Fixed IO Home Loan Home loans
Investment IO Fixed Home Loan Home loans
Investment P&I Fixed Home Loan Home loans
Mortgage Offset Saving Savings and transaction accounts
Variable Home Loan Inv Home loans
Variable Home Loan Inv (IO) Home loans

Rates changed on 838 products since 12 October 2026. Each one is marked "changed" below.

General information, not advice. This shows what banks publish. It doesn't recommend any product, and the order of a table is not a ranking. Rates change, so check the bank's own page for current details before you decide anything.

Source: BCU Bank product data, published under the Consumer Data Right, as at 16 October 2026. Every product name links to its page at BCU Bank, which has the current details.