Term Deposits are issued by Gateway Credit Union Ltd ABN 47 087 650 093, AFSL 238293. 1. For deposits of $500,000 or more, please contact Gateway on 1300 302 474 to discuss a special rate. 2. Interest is calculated daily and you may choose to receive interest payments monthly, 6 monthly, annually or at maturity if the term is for one year or less. Interest must be paid at least annually for terms of 12 months or more. 3. For terms 12 months or less, interest may be added to the principal at maturity. 4. Compounding interest options (monthly, 6 monthly or annually) are only available on certain investment terms. 5. Fees and charges may apply. 6. Any advice provided does not take into account your personal circumstances or needs.  You should consider whether the product is right for you. Please view our Terms and Conditions and Financial Services Guide.  7. Interest rates are subject to change.