Money / Banks
gmcu
What gmcu publishes about its products under the Consumer Data Right, as at 17 October 2026. For current details, check gmcu'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 |
|---|---|---|---|---|
| Advantage Saver | 0.01% | 4.54% | 4.55% |
In the bank's wordsAdvantage Saver account is a savings account for those dedicated to a regular savings plan. A bonus rate is available in months where there are no withdrawals and a deposit of at least $20. |
| Cash Manager | 0.40% | – | 0.40% | No bonus |
| Christmas Saver | 1.10% | – | 1.10% | No bonus |
| My Business | 0.01% | – | 0.01% | No bonus |
| My Connect | 0.01% | – | 0.01% | No bonus. Up to age 21 |
| My Everyday | 0.01% | – | 0.01% | No bonus |
| My Everyday Start | 0.01% | – | 0.01% | No bonus. Up to age 21 |
| My Freedom | 2.00% | – | 2.00% | No bonus |
| Online Saver | 1.05% | – | 1.05% | No bonus |
| Our Community | 1.50% | – | 1.50% | 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 |
|---|---|---|---|---|---|
| Fixed Term Deposit - 12 months | – | – | 5.15% | – | $100 |
| Fixed Term Deposit - 24 months | – | – | – | 4.90% | $100 |
| Fixed Term Deposit - 3 to 5 months | – | – | – | – | $100 |
| Fixed Term Deposit - 6 to 8 months | – | – | – | – | $100 |
| Fixed Term Deposit - 9 to 10 months | – | – | – | – | $100 |
| Monthly Income Term Deposit - 12 Months | – | – | 5.05% | – | $3,000 |
| Monthly Income Term Deposit - 24 months | – | – | – | 4.80% | $3,000 |
| Monthly Income Term Deposit - 6 months | – | 5.15% | – | – | $3,000 |
Home loans
Owner-occupier, principal and interest, borrowing 80% of the home's value. Compare with other banks.
| Loan | Variable | Comparison |
|---|---|---|
| Fixed Rate Home Loan | – | – |
| Standard Variable Plus | 6.19% | 6.35% |
Other products in these groups
These don't list rates we can show in a table (for example, accounts that pay no interest).
- Fixed Rate 18 months - Special construction offer Home loans
- Fixed Rate Home Loan - Investment Home loans
- Fixed Rate Investment 18 months - Special construction offer Home loans
- My Offset Savings and transaction accounts
- Standard Variable Plus Investment Home loans
Rates changed on 832 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: gmcu product data, published under the Consumer Data Right, as at 17 October 2026. Every product name links to its page at gmcu, which has the current details.