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

4.85% p.a. on a 12-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

Mission in Operations: CDF Catholic Connect Explores Aligning Practice with Purpose

March 12, 2026
In modern Australia, Catholic organisations are called to act with integrity in a pluralist society that may not always prioritise the same values. Their core objectives—be it education, healthcare, or community and social services - generally reflect that identity; the ‘back-end’ operations that sustain them, however, may be subject to forces that detract from mission. A recent CDF Catholic Connect workshop, hosted by Catholic Development Fund (CDF) in partnership with Catholic Social Services Victoria (CSSV), challenged leaders to look deeper into how policies and processes reflect the Catholic mission. The session, ‘Aligning Organisational Practices with Mission’, explored how Catholic Social Teaching can be intentionally embedded across core operations, from procurement and investment to hiring and governance. Lessons and Learnings with Industry Experts Four panel and workshop presenters brought strong sector experience and deep insight: Tarang Jain ( Modern Slavery Liason Officer / Group Procurement Lead ESG, St Vincent’s Health Australia ) Melissa Halliday ( Community Development Project Coordinator, ACRATH ) Dr John Ballard (Board Director Mercy Education and Catholic Development Fund / Leadership and Governance Consultant) Anna Brazier ( Climate Justice Coordinator, Jesuit Social Services )

Faithful Leadership Honoured as Bishop Paul Bird Retires in Ballarat

March 11, 2026
Media Release: Catholic Diocese of Ballarat The Catholic Diocese of Ballarat marked the conclusion of a distinguished chapter of leadership, pastoral care and dedicated service to the community with a Mass of Thanksgiving on 2 March 2026 for Bishop Paul Bird as he retires as Bishop of Ballarat. Bishop Paul has served the Diocese of Ballarat since 2012. Upon turning 75, Bishops are requested to offer their resignations to the Pope. Bishop Paul turned 75 in 2024 and offered his resignation but was asked to stay on till a successor could be found. On January 7, 2026, Pope Leo appointed Fr Mark Freeman to be the new Bishop of Ballarat. At the same time, Pope Leo appointed Bishop Paul as Apostolic Administrator, to care for the diocese until Bishop Elect Mark is ordained and installed as the ninth Bishop of Ballarat on 19 March 2026.

A blessing for VMCH St Clare - and the people it was built to serve

March 4, 2026
On 20 February 2026, St Clare - Villa Maria Catholic Homes' landmark retirement living precinct in Kew - was officially blessed by the Most Rev Peter A. Comensoli, Archbishop of Melbourne. The occasion brought together residents, partners and supporters to give thanks for what had been built, and to look forward to what it would make possible. For CDF, the sole lender of the major project, the occasion was a meaningful reminder that careful stewardship and mission-aligned lending create outcomes that endure - not just beautiful spaces, but dignity, security and hope for people who need it most.
Read more

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If you have a question about opening an account, we're here to help:

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Contact our Client Services team on 1800 134 135

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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.