Term Deposit Interest Rates

Unity Bank Term Deposit Interest Rates as at 26 February 2026

Terms Deposits (Minimum $1,000)	Interest paid on maturity or annually	Interest paid monthly
5 years	3.55% p.a.	3.50% p.a.
4 years	3.55% p.a.	3.50% p.a.
3 years	3.85% p.a.	3.80% p.a.
2 years	3.60% p.a.	3.55% p.a.
1 year	4.90% p.a.	4.85% p.a.
9 months	4.80% p.a.	4.75% p.a.
6 months	4.80% p.a.	4.75% p.a.
3 months	4.40% p.a.	4.35% 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.