UNITY BANK
Term Deposit
UNITY BANK · term deposits
Provider last updated this product 2026-06-24.
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You'll complete your application on
UNITY BANK's website. Confirm the rate and fees with them
before applying.
With a Term Deposit your money is invested for a fixed period of time with a guaranteed rate of return. Term deposit rates vary depending on the frequency of interest payments and the length of time.
Deposit rates
| Type | Rate | Term | Calculated | Applies to | Conditions | Interest |
|---|---|---|---|---|---|---|
| FIXED | 2.50% | 1 months | daily | $1,000 - $9,999,999, 1 - 1 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 3.00% | 2 months | daily | $1,000 - $9,999,999, 2 - 2 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 2.95% | 2 months | daily | $1,000 - $9,999,999, 2 - 2 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.95% | 3 months | daily | $1,000 - $9,999,999, 3 - 3 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.90% | 3 months | daily | $1,000 - $9,999,999, 3 - 3 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.05% | 4 months | daily | $1,000 - $9,999,999, 4 - 4 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.00% | 4 months | daily | $1,000 - $9,999,999, 4 - 4 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.05% | 5 months | daily | $1,000 - $9,999,999, 5 - 5 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.00% | 5 months | daily | $1,000 - $9,999,999, 5 - 5 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 5.15% | 6 months | daily | $1,000 - $9,999,999, 6 - 6 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 5.10% | 6 months | daily | $1,000 - $9,999,999, 6 - 6 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.05% | 7 months | daily | $1,000 - $9,999,999, 7 - 7 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.00% | 7 months | daily | $1,000 - $9,999,999, 7 - 7 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.05% | 8 months | daily | $1,000 - $9,999,999, 8 - 8 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.00% | 8 months | daily | $1,000 - $9,999,999, 8 - 8 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 5.15% | 9 months | daily | $1,000 - $9,999,999, 9 - 9 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 5.05% | 9 months | daily | $1,000 - $9,999,999, 9 - 9 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.25% | 10 months | daily | $1,000 - $9,999,999, 10 - 10 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.05% | 10 months | daily | $1,000 - $9,999,999, 10 - 10 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.25% | 11 months | daily | $1,000 - $9,999,999, 11 - 11 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.05% | 11 months | daily | $1,000 - $9,999,999, 11 - 11 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 5.30% | 12 months | daily | $1,000 - $9,999,999, 12 - 12 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 5.20% | 12 months | daily | $1,000 - $9,999,999, 12 - 12 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 3.70% | 13 months | daily | $1,000 - $9,999,999, 13 - 13 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 3.85% | 13 months | daily | $1,000 - $9,999,999, 13 - 13 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P12M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 3.70% | 18 months | daily | $1,000 - $9,999,999, 18 - 18 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 3.85% | 18 months | daily | $1,000 - $9,999,999, 18 - 18 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P12M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 5.40% | 24 months | daily | $1,000 - $9,999,999, 24 - 24 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 5.55% | 24 months | daily | $1,000 - $9,999,999, 24 - 24 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P12M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 5.40% | 30 months | daily | $1,000 - $9,999,999, 30 - 30 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 5.55% | 30 months | daily | $1,000 - $9,999,999, 30 - 30 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P12M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.65% | 36 months | daily | $1,000 - $9,999,999, 36 - 36 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.85% | 36 months | daily | $1,000 - $9,999,999, 36 - 36 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P12M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.05% | 48 months | daily | $1,000 - $9,999,999, 48 - 48 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.25% | 48 months | daily | $1,000 - $9,999,999, 48 - 48 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P12M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.05% | 60 months | daily | $1,000 - $9,999,999, 60 - 60 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P01M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
| FIXED | 4.25% | 60 months | daily | $1,000 - $9,999,999, 60 - 60 months | These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | calculated daily, paid P12M |
| These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | ||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| PAPER_STATEMENT_FEE | PERIODIC | $2 | A fee charged to cover the cost of producing and sending paper statements |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 5.55% |
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
- Backed by the Government Deposit Guarantee for deposits up to $250,000
- Automatically rollover your existing Term Deposit at the rate of interest relevant to the new term that you select, or we will re-invest the principal and interest in accordance with the account instructions we received from you when the Term Deposit was established.
- Early withdrawal may be allowed at the discretion of the Bank on 31 days' notice. Where funds are withdrawn from a term deposit account prior to maturity, a reduction to the interest rate will be applied dependent on the time left until maturity.
Who can apply
- residency status - PERMANENT RESIDENTYou must be an Australian citizen or permanent resident
- natural person
Limits
- min balance - 1000.00
- opening balance - 1000.00
The provider's own documents
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: 2026-06-24T14:58:48.000+10:00 · Product ID: I30_ALL_TERMS