Money / Banks
TMCU
What TMCU publishes about its products under the Consumer Data Right, as at 16 October 2026. For current details, check TMCU'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 |
|---|---|---|---|---|
| BUSINESS ACCOUNT | 0.02% | – | 0.02% | No bonus |
| CHRISTMAS CLUB ACCOUNT | 3.00% | – | 3.00% | No bonus |
| KIDS SAVER ACCOUNT | 3.50% | – | 3.50% | No bonus. Up to age 17 |
| MULTI-ACCESS ACCOUNT | 0.02% | – | 0.02% | No bonus |
| PREMIUM SAVERS ACCOUNT | 0.01% | – | 0.01% | No bonus |
| REDIFUND ACCOUNT | 1.05% | – | 1.05% | No bonus |
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 |
|---|---|---|---|---|---|
| 24 MONTH TERM | – | – | – | 3.20% | $1,000 |
| 24 MTHS 4WKLY INT. | – | – | – | 3.20% | $1,000 |
| 24 MTHS [EDVEST] | – | – | – | 3.55% | $1,000 |
| 3M TO LESS THAN 6M | – | 3.60% | – | – | $1,000 |
| 6M TO LESS THAN 12M | – | – | – | – | $1,000 |
| I22_12_TO_23_MONTHS | – | – | – | – | $1,000 |
| I24_12_TO_23_MTHS_INT_4_WKLY | – | – | – | – | $1,000 |
| SELFMANAGED SUPER FUND | – | – | – | 3.05% | $1,000 |
| TERM 12-23MTHS (EDV) | – | – | – | – | $1,000 |
Home loans
Owner-occupier, principal and interest, borrowing 80% of the home's value. Compare with other banks.
| Loan | Variable | Comparison |
|---|---|---|
| 1 YEAR FIXED INTEREST ONLY | 7.24% | – |
| 1 YEAR FIXED RATE LOAN | 6.14% | – |
| 2 FIXED RATE HOME LOAN | 6.14% | – |
| 2 YEAR FIXED INTEREST ONLY | 7.24% | – |
| BASIC VARIABLE LOAN | 6.49% | 6.59% |
| HOME EQUITY LOAN | 7.74% | 7.85% |
| REFI SPECIAL OWNER OCCUPIED | 6.14% | 6.24% |
| STANDARD VARIABLE LOAN | 6.74% | 6.84% |
| VARIABLE INTEREST ONLY | 7.24% | – |
Other products in these groups
These don't list rates we can show in a table (for example, accounts that pay no interest).
- 1 FIXED RATE HOME LOAN INVESTMENT Home loans
- 2 FIXED RATE HOME LOAN INVESTMENT Home loans
- OFFSET SAVINGS - L56 Savings and transaction accounts
- OFFSET SAVINGS - L62 Savings and transaction accounts
- OFFSET SAVINGS - L68 Savings and transaction accounts
- OFFSET SAVINGS - L79 Savings and transaction accounts
- REFI SPECIAL INVESTMENT 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: TMCU product data, published under the Consumer Data Right, as at 16 October 2026. Every product name links to its page at TMCU, which has the current details.