Personal | Term Investment

Term Investment

Earn a competitive rate of interest, while choosing the terms that are right for you, with a CDF Community Fund personal Term Investment account.

Open an Account

CDF customer: St Columbas College, Essendon

Special Offer

4.30% p.a. on a 6-month Term Investment

Available for a limited time and subject to change.

View current interest rates for personal accounts.

Features and benefits

Boost your savings while doing good

Accounts with CDF Community Fund support local Catholic organisations to continue their mission, such as schools, hospitals and social services.

Flexible terms and timeframes

Choose from a range of terms that are right for you. Options vary from 1 month to 2 years.

Local help, when you need it

Our Australian-based team are local and here to help if you need a hand.

Fixed return on your investment

Invest with peace of mind, knowing your rate is locked in for the term. Interest is calculated daily and compounded upon maturity.

Online accessibility

View and manage your account online, 24/7 from anywhere, on any device.

No fees

No fees for active personal accounts with CDF Community Fund.

How to apply?

Pictured: CDF Staff

Before beginning your application:

Term Investment accounts are available for Individuals, Businesses, Trusts, or Self-Managed Super Funds (SMSF). To open an account, you must be at least 18 years of age and have:

  • Minimum $2,000 investment
  • Bank account details (in the same name as the application and to be direct debited from an external bank account or an existing CDF Community Fund account)
  • Australian residential address and contact details
  • Valid identification (Driver's Licence, Passport etc.)

 

Additional requirements for Trusts/SMSFs:

  • Certified copy of the full Trust Deed (plus any certified amendments)
  • ABN
  • ACN (if Corporate Trustee)
  • Personal identification for all trustees, directors, and beneficiaries

After submission:

Our team will contact you to confirm receipt of your application and outline next steps. Trust and SMSF applications will require additional processing, which will be advised upon review of your application.

Apply Online - Term Investment Apply Online - Term Investment SMSF

For more information, see the Term Investment Information Statement.

Speak to your financial advisor to determine if the Term Investment account is right for you.

More Good News

Walking Together: CDF Supports Young Pilgrims at ACYF 2025

December 10, 2025
The Australian Catholic Youth Festival (ACYF) returned in 2025 with extraordinary energy, bringing more than 6,000 young people together from across the Australia and Oceania region for three days of prayer, workshops, worship and the Eucharist. Hosted by the Catholic Archdiocese of Melbourne and with CDF as a major sponsor, the festival transformed the city into a vibrant gathering place for young Catholics. From the opening Pilgrimage Walk to the closing Commissioning Mass, ACYF highlighted the beauty of the Catholic Church in Australia.

The Future of Giving: Reflections from CDF Catholic Connect

December 2, 2025
On Wednesday 26 November 2025, Cathedral Hall at Australian Catholic University in Melbourne became a hub of inspiration and collaboration as CDF hosted the final Catholic Connect workshop for the year. Under the theme ‘ Inspiring Generosity: Encouraging Greater Giving for Purpose and Impact ,’ more than 80 leaders from across Catholic organisations and the for-purpose sector gathered to explore the evolving landscape of fundraising, philanthropy, and advocacy. Understanding the Landscape The afternoon began with John McLeod from JBWere Family Advisory & Philanthropic Services, who provided a comprehensive overview of giving trends across Australia. His presentation painted a picture of both challenge and opportunity: while the for-purpose sector has experienced consistent growth, with income rising 8% annually since 1996, organisations now face tighter margins as expenses outpace income growth. What emerged most powerfully from the data was the story of generational change. With Australia's ageing population and an estimated $5.4 trillion expected to transfer through inheritances over the next 20 years, the sector stands at a critical juncture. The JBWere findings highlighted that while fewer taxpayers are claiming charitable deductions, those who do give are becoming increasingly generous. The challenge ahead for Catholic organisations is to normalise charitable bequests and engage the next generation of donors.

Sharing the Joy of Christmas: Four Ways to Make a Difference This Season

November 4, 2025
This Advent season, CDF is inviting our community to reflect on the true meaning of Christmas and participate in meaningful initiatives that bring hope, dignity, and joy to those who need it most. Across our network of schools, parishes, healthcare and social services, vulnerable families and individuals are preparing for what should be the most wonderful time of the year - but for many, it's become increasingly difficult. The cost-of-living crisis has pushed countless people to the brink, leaving nothing for luxuries and, for some, even the necessities feel out of reach. CDF is proud to stand alongside four client organisations this Christmas, each working tirelessly to ensure no one is left behind during the festive season.
Read more

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Contact our Client Services team on 1800 134 135

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CDPF Limited, a company established by the Australian Catholic Bishops Conference, has indemnified the CDF Community Fund ABN 94 380 397 118 (the Fund) against any liability arising out of a claim by investors in the Fund. In practice, this means your investment is backed by the assets of Catholic Archdiocese of Melbourne. The Fund is required by law to make the following disclosure: Investment in the Fund is only intended to attract investors whose primary purpose for making their investment is to support the charitable purposes of the Fund. Investor’s funds will be used to generate a return to the Fund that will be applied to further the charitable works of the Catholic Church. The Fund is not prudentially supervised by the Australian Prudential Regulation Authority nor has it been examined or approved by the Australian Securities and Investments Commission (ASIC). An investor in the Fund will not receive the benefit of the financial claims scheme or the depositor protection provisions in the Banking Act 1959 (Cth). The investments that the Fund offers are not subject to the usual protections for investors under the Corporations Act (Cth) or regulation by ASIC. Investors may be unable to get some or all of their money back when the investor expects or at all and investments in the Fund are not comparable to investments with banks, finance companies or fund managers. The Fund’s identification statement may be viewed here or by contacting the Fund. The Fund does not hold an Australian Financial Services Licence. The Fund has entered into an intermediary authorisation with CDFCF AFSL Limited ABN 49 622 976 747, AFSL No. 504202 to issue and deal in debentures.