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Term Deposit Calculator
Use G&C Mutual Bank's Term Deposit Calculator to calculate interest earned over a period of time and see what you can save.
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Term Deposits
Secure your savings goals with a term deposit. Enjoy fixed return and interest rate with terms ranging from 30 days to 5 years with as little as $1000.
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Mozo recognises our term deposits for a second year
G&C Mutual Bank’s double win for term deposits in the 2024 Mozo Experts Choice Awards
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Canstar's Customer Owned Bank of the Year – Term Deposits 2024
G&C Mutual Bank named Canstar's Customer Owned bank of the Year - Term Deposits, for 2024.
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Achieve your savings goals with these quick tips
Learn about our award winning Term Deposits and Savings Accounts and achieve your savings goals with our useful savings tips.
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Canstar Customer Owned Bank of the Year – Term Deposits 2023 winner
G&C Mutual Bank wins Canstar's Customer Owned bank of the Year - Term Deposits award
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Canstar Customer Owned Bank of the Year – Term Deposits 2025 winner
G&C Mutual Bank wins Canstar's Customer Owned bank of the Year - Term Deposits award
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A double win in the 2023 Mozo Experts Choice Awards
G&C Mutual Bank’s double win for term deposits in the 2023 Mozo Experts Choice Awards
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Saving for your deposit: how to get there faster
Buying a home is a major commitment and saving for a deposit is likely to be your biggest challenge. Saving the ideal 20 percent of a property’s value can seem near impossible, however, there are ways you can maximise your savings to get there faster.
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Our Term Deposits are an award winner
We are delighted to be recognised and acknowledged as the Customer-Owned Bank of the Year Term Deposits award winner for 2022 by Canstar.
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Term Deposit FAQs
Read our Frequently Asked Questions.
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Open a savings account
G&C Mutual Bank has a range of savings accounts and term deposits to help you spend or save, the way you want.
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G&C Interest Rate Changes - 15 July 2019
G&C has undertaken a comprehensive review of interest rates charged on our home loans and savings/deposit products.
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G&C Interest Rate Changes – January 2023
G&C Mutual Bank has raised interest rates for depositors on our Term Deposits and a number of Savings Accounts from 16 January 2023.
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G&C Interest Rate Changes
G&C has undertaken a comprehensive review of rates charged on our variable rate loan and savings/deposit products. With the RBA Cash Rate and overall market rates now falling to a further historic low, our priority at G&C has been to implement equitable rate changes that strike a fair balance between the competing needs of our borrowing and depositing members.
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G&C Mutual Bank Interest Rate Changes October 2019
Interest Rate Changes October 2019 | G&C Mutual Bank
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Savings & Investments
We have a range of savings accounts and term deposits to help you spend or save, the way you want.
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Banking Guides
Banking guides and step by step demonstrations to help you register for, and best utilise, our banking services. We’re ready to help.
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Home Page
Discover G&C Mutual Bank. It’s your bank, because you own it. Enquire about our home loans, personal loans, credit cards, term deposits or savings accounts. We're ready to help you.
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Online Banking
G&C Mutual Bank offers convenient, secure and simple banking online so members can access their money at a time, and in a way that suits them.
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Our awards
G&C Mutual Bank products continue to be independently recognised for their great value, flexibility and innovative features.
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XERO Accounting Package
Xero provides accounting solutions for our members directly or through their nominated accounting firms on behalf of members. Enquire today.
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Save for a goal
Knowing what your savings goals are and developing a savings plan can help you achieve them sooner.
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Business Vehicle Loan
Business Car Loan specifically designed to help business owners save time and manage cashflow on the purchase of a new or used vehicle.
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Business Overdraft
Our Business Overdraft is a flexible way to access funds quickly and easily to manage your everyday business expenses. Enquire today.
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Sitemap
Explore the G&C Mutual Bank website. It's your bank, because you own it.
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Property Investment FAQ
Investing in property could be a great way to build your wealth for your financial future. We’re ready to help. Read our Frequently Asked Questions.
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Understanding Lenders Mortgage Insurance
Learn about how Lenders Mortgage Insurance can help you to achieve your property dreams.
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Bank Guarantee
Keep your cash to run and grow your business with our Bank Guarantee, to ensure payments to your suppliers are met without tying up working capital.
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Personal loan glossary
Our glossary helps you understand financial jargon relating to personal loans, so that you can navigate though the process. We're here to help
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Business Banking
Business Banking services are designed to put you in control of your business transactions and payroll processing online.
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Target Market Determinations
A target market determination (TMD) is a document, per product, describing who the product may be suitable for and related conditions for usage.
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G&C Interest Rate Changes – June 2022
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Home loan glossary
Our glossary helps you understand various financial jargon relating to home loans, so that you can navigate though the process.
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Two ways to boost your savings as you enter retirement
As you near or enter retirement, having a reliable income would be a priority for most of us. It makes planning how you are going to enjoy retirement a whole lot easier. At G&C Mutual Bank we have account options to suit different savings goals as well as your everyday spending.
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Are your financial new year resolutions still on track?
It's been a few weeks since we said goodbye to 2021 and hello to 2022. Here are some helpful banking tools and services that might help to keep your financial new year resolutions on track.
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G&C Interest Rate Changes – August 2022
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G&C Interest Rate Changes – November 2022
Following this decision to increase Australia's cash rate we have made the decision to raise interest rates for both borrowers and depositors.
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G&C Interest Rate Changes – February 2023
Following the Reserve Bank of Australia (RBA)'s decision to increase Australia's cash rate on 7 February 2023, we have made the decision to raise interest rates for borrowers and depositors.
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G&C Interest Rate Changes – March 2023
Following the Reserve Bank of Australia’s recent announcement to increase Australia's cash rate, G&C Mutual Bank have made the decision to raise interest rates by up to 0.25%p.a. for both borrowers and depositors.
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G&C Mutual Bank appointed to First Home Loan Deposit Scheme lending panel
The Federal Government’s National Housing Finance and Investment Corporation (NHFIC) announced today that G&C Mutual Bank (G&C) has been appointed to the lending panel for the Federal Government’s First Home Loan Deposit Scheme (the Scheme). G&C will commence funding Government-guaranteed loans from 1 February, 2020.
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How to save for your first home
Buying your first home can be daunting, but with the right planning, you might be holding the keys to your dream home sooner than you think.
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G&C Interest Rate Changes – July 2022
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G&C Interest Rate Changes – June 2023
Following the RBA’s announcement on 6 June to increase Australia's cash rate, we have made the decision to raise variable home loan and savings interest rates by up to 0.25%p.a.
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Australian Government 5% Deposit Scheme
G&C Mutual Bank offer loans under the Australian Government 5% Deposit Scheme, helping eligible home buyers purchase a home with a smaller deposit.
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Announcement of Special Financial Support Measures
On behalf of the G&C Mutual Bank Board and all G&C staff, I would like to extend our warmest thoughts and support to all members as you and your families grapple with the direct and indirect consequences of the COVID-19 virus.
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Tidy up your finances
When we think of tidying up, we would usually think of cleaning up our home or office, but tidying up our finances regularly is also an important task.
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Important update: changes to our deposit service
From 30 September 2025, our deposit service, provided in partnership with ANZ, will be discontinued and ANZ will no longer accept cash or cheque deposits for Unity Bank and G&C Mutual Bank accounts.
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Online Banking FAQ
Banking Online is convenient, secure and simple. Read our Frequently Asked Questions.
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Updated terms and conditions - June 2024
Members are advised of updates to our terms and conditions, effective 11 June 2024.
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Understanding financial literacy: A foundation for your future
Financial literacy is important to help people manage their money wisely and avoid the stresses of financial insecurity.
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Need a holiday?
It has probably been a few years since some of us have had the opportunity to be able to truly get away for a holiday, due to the pandemic, border closures, and lockdowns. Whether you are considering a holiday locally, interstate, or overseas, we could help make your holiday dream a reality.
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Important information regarding the Unity Bank merger
Preparations are well underway for the merger with Unity Bank and we are committed to supporting members through this transition.
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How to get the most out of your finances with G&C during these uncertain times
As we all try to navigate our way through uncertain times, we’ve put together a few tips and some information on our various products and services that may help you make the most of your finances during these uncertain times and provide some comfort and relief.
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Bank support for regional branches grows
The Regional Banking Investment Alliance (RBIA) has welcomed the newly merged G&C Mutual Bank and Unity Bank to their group advocating for a community service obligation (CSO) to keep regional bank branches open.
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Budgeting for beginners
Budgeting is a key component to your financial health. Make the most of your money with G&C Mutual Bank.
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Preparing for a holiday?
Whether you are considering a holiday locally, interstate, or overseas, we have a range of products to help make your holiday dream a reality.
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The real costs of buying a home
It’s easy to get caught up in the excitement of buying a home, but, unlike most of your purchases, there will be costs in addition to the price tag that you will need to consider carefully. So, before you call your removalists here’s what to expect.
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8 ways G&C could help with your banking needs
Our commitment to you has always been a priority. Here are some ways we could help with your banking needs.
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Bank@Post
G&C Mutual Bank members can use the Bank@Post service to make a deposit or withdraw cash from an Australia Post Office near you. Charges apply.
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Supporting Barnardos' Sydney Metro Streetwork
G&C Mutual Bank is a long-term partner of Barnardos Australia via the Australian Mutuals Foundation (AMF) and is proud to support Barnardos' Sydney Metro Streetwork program.
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Public APIs
Use our Public APIs to access non-member specific information such as available products including deposit and transaction accounts and credit cards.
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G&C Interest Rate Changes - March 2020
G&C has undertaken a comprehensive review of the rates charged on our variable rate home loans and our savings/deposit products. With home loan rates already at historic lows, our priority at G&C has been to implement equitable rate changes that strike a fair balance between the competing needs of our borrowing and depositing members.
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Business Equipment Loan
Our Business Equipment Loan is specifically designed to assist business owners finance equipment without tying up valuable capital.
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Fixed Business Loan Secured
G&C Mutual's Fixed Rate Commercial Loan is specifically designed for members looking for long term funding for their business. Enquire today.
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Variable Business Loan Secured
G&C Mutual's Variable Rate Commercial Loan is specifically designed for members looking for long term funding for their business. Enquire today.
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First Home Buyer Loan - Owner Occupied
Take control of your first home purchase with our First Home Buyer Loan. A low variable rate home loan with an offset account. Apply online today.
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MoneyMax
Achieve your savings goal faster with our MoneyMax online savings account, offering higher returns than a standard savings or transaction account.
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Buy a home
If you are looking to buy a home, G&C Mutual Bank is here to support you on your home ownership journey.
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Fair Rate Personal Loan Canstar
Our Fair Rate Personal Loan can help to fund holidays so you can satisfy your wanderlust.
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Momentum Refinance OO Finder
Make your move and refinance now with our Momentum Home Loan refinance special.
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Fair Rate Personal Loan Offer Canstar
Our Fair Rate Personal Loan can help to fund holidays so you can satisfy your wanderlust.
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Momentum Refinance OO RateCity Campaign
Make your move with our Momentum Home Loan refinance special.
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Fair Rate Personal Loan RateCity
Our award-winning Fair Rate Personal Loan can help to fund holidays so you can satisfy your wanderlust.
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Momentum Refinance OO Google Campaign
Make your move with our Momentum Home Loan refinance special.
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Momentum Refinance OO Google
Make your move with our Momentum Home Loan refinance special.
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Finder Award Methodology
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Winner of three RateCity Home Loan Awards
G&C Mutual Bank is delighted to have received three Gold Awards as part of the inaugural RateCity Home Loan Awards including Small Deposit Home Loan, Packaged Home Loan and Investor 3 Year Fixed Home Loan.
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Buy my first home
If you are a first home buyer, G&C Mutual Bank is here to support you buy your first home.
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Bonus Saver
G&C Mutual Bank's Bonus Saver can help you save for something special by keeping your savings separated, earning ongoing bonus interest monthly.
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Rates & Fees
Important information regarding G&C Mutual Bank's interest rates, fees and charges, and terms and conditions.
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First Home Buyer Guide
Our First Home Buyer Guide helps members understand important information about buying your first home. Our friendly team is always happy to help.
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Financial hardship FAQ
We understand that at times you can find yourself in a vulnerable financial position and we're ready to help you. Read our Frequently Asked Questions.
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Refinance my loan
If you are looking to refinance your home loan, G&C Mutual Bank is here to support you with a Home Loan Health Check.
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Car loan FAQ
A car loan could help you drive away your dream car sooner. Read our Frequently Asked Questions.
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Inactive accounts FAQ
These inactive account Frequently Asked Questions are here to help you to reactivate your account before it is deemed inactive or dormant.
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Personal loan FAQ
A personal loan could help you buy a car, go on holiday or consolidate your debts. Read our Frequently Asked Questions.
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First Home Buyer FAQ
Buying your first home can be daunting, but we’re here to help you achieve your home ownership dreams. Read our Frequently Asked Questions.
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Financial Hardship
We understand that unexpected life events can result in financial stress. Please contact us to discuss the options available.
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Deceased Estate FAQ
Our deceased Estate Frequently Asked Questions regarding how we can assist you through the process of managing your loved one’s banking affairs.
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Debt consolidation FAQ
Take control of your debts by consolidating them into one loan with one regular repayment. Read our Frequently Asked Questions.
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Fixed Rate Home Loan – Owner Occupied
The security of a fixed rate, providing owner occupiers with the certainty of knowing your home loan repayments won't change during the fixed rate period.
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Fixed Rate Home Loan – Property Investor
The security of a fixed rate, providing property investors with the certainty of knowing your home loan repayments won't change during the fixed rate period.
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Retirees FAQ
A reverse mortgage allows you to borrow money using the equity in your home as security. Read our Frequently Asked Questions.
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Financial Claims Scheme
The Australian Government's Financial Claims Scheme (FCS) protects people's deposits in the unlikely event that a bank, building society or credit union fails.
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Discontinuing Cheques
Resources and support for discontinuation of cheques from 01 Feb 2024
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SMSF Account FAQ
Learn more about G&C Mutual Bank's Self Managed Super Fund with our Frequently Asked Questions.
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Victorian Homebuyer Fund FAQ
Find answers to frequently asked questions about the Victorian Homebuyer Fund.
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Community Support Loan
G&C Mutual Bank's Community Support Loan is a low-cost personal loan designed to assist with unexpected expenses during natural disasters or protected industrial action.
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Open Banking
Open Banking provides greater visibility and control over your banking data, ease of comparison of products offered as well as an easy ability to switch providers.
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Unity Bank Merger Frequently Asked Questions
Answering members frequently asked question regarding the upcoming merger with Unity Bank on March 7th, 2025.
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SMSF Loan
SMSF (Self-Managed Super Fund) loans can help you invest in residential or commercial property if you don’t have the funds in your SMSF to buy an investment property outright. The property is held in trust for the SMSF in a proper formal structure until the loan has been repaid.
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InfoChoice Home Loan Lender of the Year again!
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Membership and account closure FAQ
When you need to close one of your your accounts, we’re here to help you. Read our Frequently Asked Questions.
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Thinking about refinancing?
If you purchased your home a few years ago, your lifestyle, family or financial situation may have changed, so refinancing can be worth considering.
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Relief for members impacted by Tropical Cyclone Alfred
As a member owned bank with a regional footprint, we understand the importance of helping our communities at a time when they need us the most and we stand ready to help members directly impacted by Tropical Cyclone Alfred with a number of special support measures.
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Changes to Fees and Charges - March 2026
Members are advised of changes to our fees and charges effective 10 March 2026.
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Investment Scams
We are constantly working to keep our members safe with our information and tips to help identify common investment scams and keep you and your money safe.
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Buy Nothing Day
Buy Nothing Day is an annual awareness day that highlights the environmental and social impacts of over-consumption.
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First home buyers - is now the time to buy?
Is now the right time for you to take the leap into homeownership? Here are some of the factors to consider when buying your first home.
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A step-by-step guide to buying an investment property
Investing in property can involve a number of steps. This brief guide runs through everything you might need to know.
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Relief for members impacted by NSW Mid North Coast flooding
As a member owned bank with a regional footprint, we understand the importance of helping our communities at a time when they need us most and we stand ready to help members directly impacted by this weather event with a number of support measures. Find out more.
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G&C Interest Rate Changes – September 2022
Following the Reserve Bank of Australia (RBA)'s decision to increase Australia's cash rate we have made the decision to raise interest rates for borrowers.
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Disaster Relief for Members affected by floods in Southeast Queensland and Northern Rivers
Disaster Relief for Members affected by floods in Southeast Queensland and Northern Rivers
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Apply Online
You can apply online for a number of G&C Mutual Bank products and services at a time and place that suits you.
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How to spring clean your finances
How to spring clean your finances in six easy steps
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Know your first home loan
Finding the right home loan for your circumstances could help you get into the property market sooner. Here are some common home loan features.
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Buying vs. renting
Deciding whether to buy a property or continue renting is rarely a simple choice. Housing affordability, your lifestyle and investment goals are all factors to consider when weighing up the advantages and disadvantages of buying or renting.
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Lismore Service Centre re-opening
As a proud community-based organisation, we remain committed to our members, staff and the Lismore community. As such, we are pleased to have recently re-opened our new Lismore Service Centre following last year's devastating flood.
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Barnardos Auburn Centre NAIDOC 2023 celebration
Our team recently volunteered at the Barnardos Auburn Centre for their 2023 NAIDOC week celebration
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Introducing HomeBuilder
HomeBuilder is a $25,000 tax-free grant for eligible owner-occupiers, including first time buyers, to build a new home or substantially renovate an existing home.
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Advance Notice of 2021 Annual General Meeting
The 2021 Annual General Meeting of G&C Mutual Bank will be held on Wednesday 17 November 2021.
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Advance Notice of 2022 Annual General Meeting
The 2022 Annual General Meeting of G&C Mutual Bank will be held in November 2022.
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G&C Mutual Bank win 2023 Mozo Experts Choice Awards
G&C Mutual Bank has been recognised for excellent value home loans in the 2023 Mozo Experts Choice Awards.
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Momentum Home Loan wins 5 RateCity 2023 Gold Awards
We’re excited to announce that our Momentum Home Loan has won five awards in RateCity’s 2023 Gold Awards.
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How home loan pre-approval can help you
Navigating the home buying process can be challenging and overwhelming, at times, but obtaining pre-approval from your lender can help you get started. As well as giving you an indication of your borrowing power, it can help give you the confidence to make an offer on a property.
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Living our values
Our culture is underpinned by our values. We strive to live these values in all aspects of our work. We proudly share one member's feedback of her experience with us.
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G&C Mutual Bank joins the Global Alliance for Banking on Values
We are delighted to announce that G&C Mutual Bank has become an Associate Member Bank of the Global Alliance for Banking on Values (GABV).
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Participating in the Asian Development Education Program
The AMF regularly offers scholarships for cooperative sector employees to attend the ACCU Development Education Workshop.
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Customer-owned banks most trusted banking sector
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More RateCity Gold Award success
G&C Mutual Bank is delighted to have received two Gold Awards as part of the inaugural RateCity Personal Loan and Car Loan Awards.
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G&C Interest Rate Changes – May 2022
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Advance Notice of 2023 Annual General Meeting
The 2023 Annual General Meeting of G&C Mutual Bank will be held in November 2023.
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Momentum Home Loan wins in the 2024 RateCity Gold Awards
For the second year in a row, G&C Mutual Bank’s Momentum Home Loan was recognised in the RateCity Gold Awards.
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Financial resolutions for 2021
The start of a new year is the perfect time to reflect on your financial position and set goals for what you would like to accomplish. Here are five common financial goals and tips to help you achieve them.
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Transaction disputes FAQ
When you need to dispute a transaction, we're ready to help you. Read our Frequently Asked Questions to learn more.
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Cost considerations when buying a car
You’ve got your eye on a car and you’re ready to purchase it for that fantastic driveaway price. It’s important to understand the costs before you drive off into the sunset.
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International Day of Friendship, 2023
In celebration of International Day of Friendship, we asked our staff about the importance of forming strong friendships in the workplace.
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Empowering women: Three financial health tips for greater confidence
This International Women’s Day, 8 March, we’re celebrating by sharing three practical financial health tips to empower women in their finances. Let’s invest in women for a more equitable future.
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65 years of banking on your community
As G&C Mutual Bank marks its 65th anniversary in 2024, it’s an opportunity to reflect on a remarkable journey of growth, resilience, and unwavering commitment to members.
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Keep Australia Beautiful Week
Keep Australia Beautiful Week
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Protect yourself against remote access scams
Remote access scams try to convince you of a computer or internet problem requiring you to download software or provide access to fix the problem, giving scammers direct access to everything on your computer.
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Rental scams
According to Scamwatch, Australians have lost over $300,000 to rental and accommodation scams this year. Many scammers are using tactics related to the COVID-19 pandemic. These scams target people seeking new rental accommodation by offering fake rental properties to convince people to hand over money or personal information.
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National Reconciliation Week: Bridging Now to Next
National Reconciliation Week (NRW), held annually from 27 May to 3 June, is a significant time for all Australians to reflect, learn, and engage in the journey toward reconciliation.
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National NAIDOC Week 2025
National NAIDOC Week 2025: Celebrating culture, history, and achievement
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National Recycling Week
National Recycling Week
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Our staff share their cost saving tips
Our staff members are passionate about helping others. We wanted to share with you some of the different cost saving tips some of our staff are doing to help with their every day costs, or reducing their living expenses.
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Merger of Unity Bank & G&C Mutual Bank
On behalf of our respective Boards, we are very pleased to announce that G&C Mutual Bank (G&C) and Unity Bank (Unity) will be joining forces.
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Celebrating the 75th International Credit Union Day
International Credit Union Day celebrates the spirit of the global credit union movement. The day is recognised to reflect upon the credit union movement's history, promote its achievements, recognise hard work, and share member experiences.
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Clean Up Australia Day
Clean Up Australia Day
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Thinking about renovating?
You may love watching television renovation shows, but in reality renos are hard work, expensive and not always appropriate. Here are eight tips to help you make smart renovation decisions.
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Banking on Values Day: Reshaping how AI describes banking
Banking on Values Day
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Thank you, Dave!
During Dave Taylor’s 11-year tenure as CEO, G&C Mutual Bank has achieved an outstanding turnaround in financial performance. On his retirement, we look back at some of these achievements.
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Celebrating International Women's Day 2021
In honour of International Women’s Day, we are celebrating the achievements of our fabulous female executives. We invited Rosanna, Elsbeth, Leigh and Vanessa to share some insights into their career journeys and thoughts on equality in the workplace.
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