Lock in a secure return for a term

12 Months

Term Deposit Special

Interest paid on Maturity:

4.10^%_{p.a. ²}

Available for new money only, minimum deposit amount $50,000 up to $1 million. Deposits over $1 million subject to approval.

Offer available until 31 Dec 2025 or until limited allocation is reached – whichever occurs first.

Apply online – individuals Apply online – SMSF

Predictable

Whether you’re a personal investor, business or SMSF, lock in your interest rate for a term and enjoy secure returns.

Secure

Eligible deposits up to $250,000 are protected under the Australian Government’s Financial Claims Scheme.

Flexible

You can choose to be paid every month, at the end of the term or at periods in between.

Interest rates

$5,000 – $49,999

$50,000 – $99,999

$100,000 – $249,999

$250,000 – $1,000,000

How to apply

You can apply online, over the phone or by visiting one of our financial services stores. If you’re applying in the name of a business, call us on 1300 13 22 77. Please note that we cannot accept cheques at Community First stores or via mail.

Apply online – individuals Apply online – SMSF

SMSF Term Deposits

A term deposit for your self-managed super fund can provide a predictable return for your nest egg.

Find out more

Features

$0

Monthly fees

No monthly or account keeping fees.

3

Months

The minimum term you can select.

3

Years

The maximum term you can select.

$5,000

Minimum investment

Invest from $5,000 – $1,000,000.

Calculate your returns

Using our term deposit calculator, you can see what returns you can expect based on different amounts and terms.

Find out more

You can view Target Market Determinations here.

¹Rates effective 16/10/2025 and are subject to change without notice. Rates are for deposits between $5,000 and $1,000,000. Rates for amounts above $1,000,000 are negotiated at the discretion of Community First Bank. If you seek an early release of your term deposit prior to its maturity date, an early withdrawal interest penalty may apply. Interest paid cannot be compounded into the investment. Term Deposits are available to be withdrawn at maturity. We may require up to 7 days written notice of your intention to make an early withdrawal.

² Offer terms and conditions: Rate is effective as at 16/10/2025 and is available until 31/12/2025 or until limited allocation is reached – whichever occurs first. Offer can be withdrawn or change at any time. Rates are for deposits between $50,000 and $1 million. Rates for amounts above $1 million are subject to approval. If you seek an early release of your term deposit prior to its maturity date, an early withdrawal interest penalty may apply. Term Deposits are available to be withdrawn at maturity. We may require up to 7 days written notice of your intention to make an early withdrawal. Offer is for new term deposits and is only eligible for funds that have not been with Community First, Illawarra Credit Union or Easy Street in the last 14 days from the date of enquiry and where the offer conditions are met. Existing members may be eligible so long as at least $50,000 of the funds are new deposits and have not been held at Community First, Illawarra Credit Union or Easy Street in the last 14 days from the date of enquiry.

Term Deposits

12 Months

4.10%p.a. 2

Offer available until 31 Dec 2025 or until limited allocation is reached – whichever occurs first.

Predictable

Secure

Flexible

Interest rates

3 months

3.90 % p.a. 1

4.00 % p.a. 1

6 months

3.85 % p.a. 1

3.95 % p.a. 1

12 months

3.65 % p.a. 1

3.75 % p.a. 1

2 years

3.20 % p.a. 1

3.30 % p.a. 1

3 years

3.05 % p.a. 1

3.15 % p.a. 1

3 months

3.90 % p.a. 1

4.00 % p.a. 1

6 months

3.85 % p.a. 1

3.95 % p.a. 1

12 months

3.65 % p.a. 1

3.75 % p.a. 1

2 years

3.20 % p.a. 1

3.30 % p.a. 1

3 years

3.05 % p.a. 1

3.15 % p.a. 1

3 months

4.00 % p.a. 1

4.10 % p.a. 1

6 months

3.95 % p.a. 1

4.05 % p.a. 1

12 months

3.75 % p.a. 1

3.85 % p.a. 1

2 years

3.30 % p.a. 1

3.40 % p.a. 1

3 years

3.15 % p.a. 1

3.25 % p.a. 1

3 months

4.00 % p.a. 1

4.10 % p.a. 1

6 months

3.95 % p.a. 1

4.05 % p.a. 1

12 months

3.75 % p.a. 1

3.85 % p.a. 1

2 years

3.30 % p.a. 1

3.40 % p.a. 1

3 years

3.15 % p.a. 1

3.25 % p.a. 1

How to apply

SMSF Term Deposits

Features

$0

Monthly fees

3

Months

3

Years

$5,000

Minimum investment

Calculate your returns

4.10^%_{p.a. ²}

3.90 ^% _{p.a. ¹}

4.00 ^% _{p.a. ¹}

3.85 ^% _{p.a. ¹}

3.95 ^% _{p.a. ¹}

3.65 ^% _{p.a. ¹}

3.75 ^% _{p.a. ¹}

3.20 ^% _{p.a. ¹}

3.30 ^% _{p.a. ¹}

3.05 ^% _{p.a. ¹}

3.15 ^% _{p.a. ¹}

3.90 ^% _{p.a. ¹}

4.00 ^% _{p.a. ¹}

3.85 ^% _{p.a. ¹}

3.95 ^% _{p.a. ¹}

3.65 ^% _{p.a. ¹}

3.75 ^% _{p.a. ¹}

3.20 ^% _{p.a. ¹}

3.30 ^% _{p.a. ¹}

3.05 ^% _{p.a. ¹}

3.15 ^% _{p.a. ¹}

4.00 ^% _{p.a. ¹}

4.10 ^% _{p.a. ¹}

3.95 ^% _{p.a. ¹}

4.05 ^% _{p.a. ¹}

3.75 ^% _{p.a. ¹}

3.85 ^% _{p.a. ¹}

3.30 ^% _{p.a. ¹}

3.40 ^% _{p.a. ¹}

3.15 ^% _{p.a. ¹}

3.25 ^% _{p.a. ¹}

4.00 ^% _{p.a. ¹}

4.10 ^% _{p.a. ¹}

3.95 ^% _{p.a. ¹}

4.05 ^% _{p.a. ¹}

3.75 ^% _{p.a. ¹}

3.85 ^% _{p.a. ¹}

3.30 ^% _{p.a. ¹}

3.40 ^% _{p.a. ¹}

3.15 ^% _{p.a. ¹}

3.25 ^% _{p.a. ¹}