UniBank
Term Deposit for Customers
UniBank · term deposits
Provider last updated this product 2026-10-20.
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You'll complete your application on
UniBank's website. Confirm the rate and fees with them
before applying.
Take advantage of great returns on our term deposits.
Deposit rates
| Type | Rate | Term | Calculated | Applies to | Conditions | Interest |
|---|---|---|---|---|---|---|
| FIXED | 4.95% | 4 months | daily | $1,000 - $4,999.99, Term Deposit for Customers_Tier_1 | - | calculated daily, paid P119D |
| FIXED | 4.95% | 4 months | daily | $5,000 - $9,999,999, Term Deposit for Customers_Tier_2 | - | calculated daily, paid P119D |
| FIXED | 4.25% | 5 months | daily | $1,000 - $4,999.99, Term Deposit for Customers_Tier_1 | - | calculated daily, paid P149D |
| FIXED | 4.25% | 5 months | daily | $5,000 - $9,999,999, Term Deposit for Customers_Tier_2 | - | calculated daily, paid P149D |
| FIXED | 4.25% | 6 months | daily | $1,000 - $4,999.99, Term Deposit for Customers_Tier_1 | - | calculated daily, paid P179D |
| FIXED | 4.25% | 6 months | daily | $5,000 - $9,999,999, Term Deposit for Customers_Tier_2 | - | calculated daily, paid P179D |
| FIXED | 5.10% | 7 months | daily | $1,000 - $4,999.99, Term Deposit for Customers_Tier_1 | - | calculated daily, paid P209D |
| FIXED | 5.10% | 7 months | daily | $5,000 - $9,999,999, Term Deposit for Customers_Tier_2 | - | calculated daily, paid P209D |
| FIXED | 5.10% | 8 months | daily | $1,000 - $4,999.99, Term Deposit for Customers_Tier_1 | - | calculated daily, paid P239D |
| FIXED | 5.10% | 8 months | daily | $5,000 - $9,999,999, Term Deposit for Customers_Tier_2 | - | calculated daily, paid P239D |
| FIXED | 4.25% | 9 months | daily | $1,000 - $4,999.99, Term Deposit for Customers_Tier_1 | - | calculated daily, paid P269D |
| FIXED | 4.25% | 9 months | daily | $5,000 - $9,999,999, Term Deposit for Customers_Tier_2 | - | calculated daily, paid P269D |
| FIXED | 4.75% | 10 months | daily | $1,000 - $4,999.99, Term Deposit for Customers_Tier_1 | - | calculated daily, paid P299D |
| FIXED | 4.75% | 10 months | daily | $5,000 - $9,999,999, Term Deposit for Customers_Tier_2 | - | calculated daily, paid P299D |
| FIXED | 4.25% | 11 months | daily | $1,000 - $4,999.99, Term Deposit for Customers_Tier_1 | - | calculated daily, paid P329D |
| FIXED | 4.25% | 11 months | daily | $5,000 - $9,999,999, Term Deposit for Customers_Tier_2 | - | calculated daily, paid P329D |
| FIXED | 4.25% | 12 months | daily | $1,000 - $4,999.99, Term Deposit for Customers_Tier_1 | - | calculated daily, paid P364D |
| FIXED | 4.25% | 12 months | daily | $5,000 - $9,999,999, Term Deposit for Customers_Tier_2 | - | calculated daily, paid P364D |
| FIXED | 5.35% | 13 months | daily | $1,000 - $4,999.99, Term Deposit for Customers_Tier_1 | - | calculated daily, paid P394D |
| FIXED | 5.35% | 13 months | daily | $5,000 - $9,999,999, Term Deposit for Customers_Tier_2 | - | calculated daily, paid P394D |
| FIXED | 4.25% | 18 months | daily | $1,000 - $4,999.99, Term Deposit for Customers_Tier_1 | - | calculated daily, paid P544D |
| FIXED | 4.25% | 18 months | daily | $5,000 - $9,999,999, Term Deposit for Customers_Tier_2 | - | calculated daily, paid P544D |
| FIXED | 4.25% | 24 months | daily | $1,000 - $4,999.99, Term Deposit for Customers_Tier_1 | - | calculated daily, paid P729D |
| FIXED | 4.25% | 24 months | daily | $5,000 - $9,999,999, Term Deposit for Customers_Tier_2 | - | calculated daily, paid P729D |
| FIXED | 4.25% | 36 months | daily | $1,000 - $4,999.99, Term Deposit for Customers_Tier_1 | - | calculated daily, paid P1094D |
| FIXED | 4.25% | 36 months | daily | $5,000 - $9,999,999, Term Deposit for Customers_Tier_2 | - | calculated daily, paid P1094D |
| FIXED | 4.95% | 3 months | daily | $1,000 - $4,999.99, 3 - 3 months | - | calculated daily, paid quarterly |
| FIXED | 4.95% | 3 months | daily | $5,000 - $9,999,999, 3 - 3 months | - | calculated daily, paid quarterly |
| FIXED | 4.25% | 4 months | daily | $1,000 - $4,999.99, 4 - 4 months | - | calculated daily, paid P4M |
| FIXED | 4.25% | 4 months | daily | $5,000 - $9,999,999, 4 - 4 months | - | calculated daily, paid P4M |
| FIXED | 4.25% | 5 months | daily | $1,000 - $4,999.99, 5 - 5 months | - | calculated daily, paid P5M |
| FIXED | 4.25% | 5 months | daily | $5,000 - $9,999,999, 5 - 5 months | - | calculated daily, paid P5M |
| FIXED | 5.10% | 6 months | daily | $1,000 - $4,999.99, 6 - 6 months | - | calculated daily, paid half-yearly |
| FIXED | 5.10% | 6 months | daily | $5,000 - $9,999,999, 6 - 6 months | - | calculated daily, paid half-yearly |
| FIXED | 5.10% | 7 months | daily | $1,000 - $4,999.99, 7 - 7 months | - | calculated daily, paid P7M |
| FIXED | 5.10% | 7 months | daily | $5,000 - $9,999,999, 7 - 7 months | - | calculated daily, paid P7M |
| FIXED | 4.25% | 8 months | daily | $1,000 - $4,999.99, 8 - 8 months | - | calculated daily, paid P8M |
| FIXED | 4.25% | 8 months | daily | $5,000 - $9,999,999, 8 - 8 months | - | calculated daily, paid P8M |
| FIXED | 4.75% | 9 months | daily | $1,000 - $4,999.99, 9 - 9 months | - | calculated daily, paid P9M |
| FIXED | 4.75% | 9 months | daily | $5,000 - $9,999,999, 9 - 9 months | - | calculated daily, paid P9M |
| FIXED | 4.25% | 10 months | daily | $1,000 - $4,999.99, 10 - 10 months | - | calculated daily, paid P10M |
| FIXED | 4.25% | 10 months | daily | $5,000 - $9,999,999, 10 - 10 months | - | calculated daily, paid P10M |
| FIXED | 4.25% | 11 months | daily | $1,000 - $4,999.99, 11 - 11 months | - | calculated daily, paid P11M |
| FIXED | 4.25% | 11 months | daily | $5,000 - $9,999,999, 11 - 11 months | - | calculated daily, paid P11M |
| FIXED | 5.35% | 12 months | daily | $1,000 - $4,999.99, 12 - 12 months | - | calculated daily, paid P12M |
| FIXED | 5.35% | 12 months | daily | $5,000 - $9,999,999, 12 - 12 months | - | calculated daily, paid P12M |
| FIXED | 4.25% | 17 months | daily | $1,000 - $4,999.99, 13 - 17 months | - | calculated daily, paid P17M |
| FIXED | 4.25% | 17 months | daily | $5,000 - $9,999,999, 13 - 17 months | - | calculated daily, paid P17M |
| FIXED | 4.25% | 23 months | daily | $1,000 - $4,999.99, 18 - 23 months | - | calculated daily, paid P23M |
| FIXED | 4.25% | 23 months | daily | $5,000 - $9,999,999, 18 - 23 months | - | calculated daily, paid P23M |
| FIXED | 4.25% | 35 months | daily | $1,000 - $4,999.99, 24 - 35 months | - | calculated daily, paid P35M |
| FIXED | 4.25% | 35 months | daily | $5,000 - $9,999,999, 24 - 35 months | - | calculated daily, paid P35M |
| FIXED | 4.25% | 36 months | daily | $1,000 - $4,999.99, 36 - 36 months | - | calculated daily, paid P36M |
| FIXED | 4.25% | 36 months | daily | $5,000 - $9,999,999, 36 - 36 months | - | calculated daily, paid P36M |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-10-06 | 5.25% |
| 2026-10-07 | 2026-10-26 (current) | 5.35% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- No account keeping fee
- A guaranteed rate for terms from 3 to 36 months
- Earn a competitive interest rate on your investment with a minimum opening balance of $1,000 can get you started.
- Interest can be paid monthly, 12 monthly or at maturity.
- For deposits of $500,000 and over, rates are by negotiation and subject to acceptance.
- We'll send you a written renewal notice before your deposit matures.
- If you want to withdraw your Term Deposit before it matures you'll need to give us 31 days' notice. A reduced rate of interest will apply in these circumstances. For full details refer to our Conditions of Use.
Who can apply
- residency status - Individuals must be citizens or permanent residents of Australia.
Limits
- opening balance - 1000.00
- min balance - 1000.00
- max balance - 499999.99For deposits of $500,000 and over, rates are by negotiation and subject to acceptance.
The provider's own documents
- Product overview › (opens in a new tab)
- Terms and conditions › (opens in a new tab)
- Eligibility criteria › (opens in a new tab)
- Fees and pricing › (opens in a new tab)
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-10-20T08:02:38.000+11:00 · Product ID: 46b5f76d-1279-4427-adb5-5dfc1ab12285