Term Deposit Interest Rates

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Unity Bank Term Deposit Interest Rates as at 8 October 2026

Terms Deposits (Minimum $1,000)	Interest paid on maturity or annually	Interest paid monthly
5 years	5.20% p.a.	5.00% p.a.
4 years	5.20% p.a.	5.00% p.a.
3 years	5.20% p.a.	5.05% p.a.
2 years	5.55% p.a.	5.40% p.a.
1 year	5.50% p.a.	5.40% p.a.
9 months	5.35% p.a.	5.25% p.a.
6 months	5.35% p.a.	5.30% p.a.
3 months	5.10% p.a.	5.05% p.a.

¹ These rates apply to retail deposits only available for individual investors (including joint accounts by individuals) and SMSF accounts only. For all other investors, a competitive rate will be offered on application. These rates are only offered if the member nominates for interest to be paid on maturity or when the term exceeds one year where interest must be paid annually. Monthly, quarterly and six monthly interest is available with a reduction on the current rate. Where funds are withdrawn from an investment account prior to maturity, a reduction to the interest rate will be applied dependent on the time left until maturity.