View the rates Unity Bank offers on Term Deposit Interest accounts.

Term Deposits

 

Term in months $1,000 - $19,999 $20,000 - $49,999 $50,000 - $99,999 $100,000 - $300,000
3 months 3.50% p.a. 3.50% p.a. 3.50% p.a. 3.50% p.a.
4 months 3.50% p.a. 3.50% p.a. 3.50% p.a. 3.50% p.a.
5 months 3.50% p.a. 3.50% p.a. 3.50% p.a. 3.50% p.a.
6 months 4.10% p.a. 4.10% p.a. 4.10% p.a. 4.10% p.a.
7 months 4.10% p.a. 4.10% p.a. 4.10% p.a. 4.10% p.a.
8 months 4.10% p.a. 4.10% p.a. 4.10% p.a. 4.10% p.a.
9 months 3.95% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a.
10 months 3.95% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a.
11 months 3.95% p.a. 3.95% p.a. 3.95% p.a. 3.95% p.a.
12 months 4.80% p.a. 4.80% p.a. 4.80% p.a. 4.80% p.a.
24 months 4.00% p.a. 4.00% p.a. 4.00% p.a. 4.00% p.a.
36 months 4.00% p.a. 4.00% p.a. 4.00% p.a. 4.00% p.a.

For Term Deposits over $300,000 please contact us.

All term deposit rates (above) are per annum.

Kick Starter Term Deposits

For ages 0-25 years with Standard Interest option

 

Term in months $500+
6 months 4.10% p.a.
7 months 4.10% p.a.
8 months 4.10% p.a.

Interest Payment Options

 

Interest income is calculated daily and paid into your nominated savings account with the bank.

  • Standard Interest: For terms of 12 months or less, interest is paid at maturity. For terms over 12 months, interest is paid annually and at maturity.
  • Monthly Interest: Interest is paid each month at an interest rate which is 0.20% less than the standard rate.

We are here to help

  • 1 Eligibility criteria, terms and conditions, fees and charges may apply. All information including interest rate is subject to change. For deposits over $300,000, rates are by negotiation and subject to acceptance. All deposits are accepted at the Bank's discretion. For standard terms that are less than or equal to 12 months, interest is paid at maturity; for terms over 12 months, interest is paid annually and at maturity. For monthly terms, interest is paid every month and at maturity with a reduction of 0.20% from the applicable stated interest rate. Generally, Members are not entitled to withdraw funds until the term matures. We may, in our absolute discretion and consideration of their reason, allow the Member to withdraw funds before the end of the term. If the deposit or any part of it is withdrawn early, an interest rate adjustment will normally apply. Any calculation made by you using the rate calculator is intended as a guide only.
  • 2 Eligibility criteria, terms and conditions, fees and charges may apply. All information including interest rate is subject to change. Interest is calculated daily and paid at maturity. Generally, Members are not entitled to withdraw funds until the term matures. We may, in our absolute discretion and consideration of their reason, allow the Member to withdraw funds before the end of the term. If the deposit or any part of it is withdrawn early, an interest rate adjustment will normally apply. Any calculation made by you using the rate calculator is intended as a guide only.