Term Deposit Interest Rates

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Unity Bank Term Deposit Interest Rates as at 17 December 2025

Term Deposits

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^*	4.50% p.a.	4.45% p.a.
9 months^*	4.45% p.a.	4.40% p.a.
6 months^*	4.40% p.a.	4.35% p.a.
3 months^*	4.40% p.a.	4.35% p.a.

Important Information

¹ These rates apply to retail deposits only. 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 Where funds are withdrawn from an investment account prior to maturity, a reduction to the interest rate will be applied dependent on the time left until maturity. For more details please refer to our Account and Access Facilities Terms and Conditions. For terms outside of the advertised rates contact us on 1300 36 2000.

* The 3, 6 & 9-month & 1-year special rates are 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.