International Credit Union Day

International Credit Union Day, Thursday 16 October 2025, marks the 77th anniversary of celebrating the global credit union movement. Championed by the World Council of Credit Unions (WOCCU) and Worldwide Foundation for Credit Unions (WFCU), it provides an opportunity to reflect on our shared history, achievements, and member experience. This year’s theme, “Cooperation for a Prosperous World” highlights the role of credit unions in supporting prosperity and well-being for individuals and communities through collaboration. International Credit Union Day is a reminder of our shared vision to bring communities together through mutuality and community spirit. Celebrating cooperative valuesFinancial co-operatives, such as credit unions, building societies and mutual banks, were formed when groups of like-minded workers and communities came together to create building societies, credit unions and mutual banks. We were established with the purpose of providing key worker groups with financial services that prioritised members over profit. We are proud to be a part of the global cooperative movement that puts people first, and we're dedicated to providing our members with exceptional products and services while actively contributing to the betterment of our community. Our commitment to community extends beyond the world of finance. We recognise that strong community ties are integral to our past and future success. In financial year 2024-25, over $259,000 was invested in sponsorships, donations and alliance partnerships, demonstrating our commitment to strengthening industries, empowering communities, and supporting those most in need. We believe in the power of collaboration and collective action. We are supporters of the Australian Mutuals Foundation (AMF), helping disadvantaged Australian children and youth, in partnership with Barnardos Australia. The AMF also assists remote and disadvantaged communities in impoverished Southeast Asian and South Pacific countries to alleviate poverty through the creation of sustainable financial co-operatives via a partnership with the Asian Confederation of Credit Unions (ACCU).  We are a member of the Customer Owned Banking Association (COBA), the industry association for Australia’s customer-owned banking institutions, with a vision for more Australians to benefit from a resilient banking sector that is centred on people and communities. As an Associate Member of the Global Alliance for Banking on Values, we are part of a network of values-based financial institutions working to transform the banking system and finance positive economic, social, and environmental impact. We are a member of the Business Council of Co-operatives and Mutuals (BCCM), the peak body for co-operatives and mutuals in Australia, uniting member-owned businesses operating in all industries to increase awareness and recognition of co-ops and mutuals and the important contribution they make to the economy and community. We have recently joined the Regional Banking Investment Alliance, a group of regional banks and supporters fighting for their local communities to ensure that face-to-face banking continues sustainably into the future. These partnerships are examples of how we are fostering cooperation for a prosperous world. Member first approachPutting people first and helping our community are central to our ethos. We strive to help our members and be there for them when they need us most.  We’ve stood by our members through droughts, fires, floods, recessions, industrial disputes, and the hardships of COVID-19. Through our Community Support Loan, special financial support measures, and Protected Action Clause, we continue to support members through challenging times.Award-winning productsOur products continue to be recognised with awards from industry experts for their outstanding value and quality. We offer specially designed products to support first homebuyers, refinances, and essential workers with their path to home ownership.Mutually valuable banking for people and planetAs a member focused, values-driven organisation, acting responsibly and ethically is at the heart of our operations. We are committed to the ongoing promotion and creation of mutual value and strive to make a positive impact for our members and the communities we are part of. It is this sentiment that underpins our Environmental, Social and Governance (ESG) Strategy - Mutually valuable banking for people and planet. Through our ESG Strategy, we have delivered a number of impact initiatives including recycled PVC cards and environmentally conscious collateral, accessible and inclusive service enhancements, our Essential Worker Home Loan, Green Car Loan, Green Upgrades Loan, Worker Support Benefits and our Responsible Banking Policy. We were the first financial institution globally to be accredited under the Mutual Value Measurement (MVM) Framework, developed by the BCCM and researchers at Monash University’s Business School to help mutual organisations measure their total value creation (mutual value) through a set of common dimensions and shared language about measuring and reporting mutual value.Our growth and evolutionWe have always remained true to our proud origins and history, as we continue to evolve and grow through mergers, transformations and the changing financial services landscape. As we reflect on our past and look towards the future, we remain steadfast in our commitment to empowering our members and advancing financial well-being through cooperative values. With this in mind, we’re excited to build on our strong history and create a brighter future, together.  

Important information

2025 Annual Report

2025 was another highly successful year for Unity Bank. Review our financial summary and see how our Member-first approach has made all the difference. Read Now Download If you would like to receive a hard copy of the 2025 Annual Report, please give us a call at 1300 36 2000 or send an email request to mail@unitybank.com.au

Important information

Notice of 2025 Annual General Meeting

Unity Bank Limited ACN 087 650 637 (the Company)Notice of 2025 Annual General Meeting Notice is given that the 66th Annual General Meeting (AGM) of the Company will be held on Tuesday 18 November 2025 at Level 25, 201 Elizabeth Street Sydney NSW 2000, commencing at 3:30pm. Agenda Apologies To receive Unity Bank Limited’s Financial Report, Directors’ Report and Auditor’s Report for the financial year ended 30 June 2025. By Order of the BoardRosanna Argall Company Secretary01 October 2025 How to Participate in the Virtual Meeting This year the AGM will be held via Teams meeting with members able to view presenters, ask questions, make comments and vote on resolutions via electronic poll. Given the nature of the virtual meeting we ask that you send your questions in advance of the meeting by emailing returningofficer@unitybank.com.au at least 48 hours prior to the meeting to ensure they can be answered during the meeting. To participate in the virtual meeting follow these steps: Email your expression of interest to returningofficer@unitybank.com.au by 14 November. You will receive a Teams meeting registration link via return email. Register using the email link provided by 3pm 15 November. You will then receive your own individual Teams meeting link. Click on the individual Teams meeting link or phone in using the contact details provided on 18 November at 3:30pm. Proxy Voting You can appoint a proxy to attend and vote at the AGM on your behalf. The proxy does not have to be a member of Unity Bank. Alternatively, you can appoint the Chair of the Meeting as your Proxy by completing an Appointment of Proxy Form. An Appointment of Proxy form may be obtained by emailing returningofficer@unitybank.com.au or calling 02 9307 5409. To be valid, your completed Proxy Form must reach the Company no later than 48 hours before the AGM. If you have any further enquiries with respect to the AGM please contact us at returningofficer@unitybank.com.au before Monday 17 November 2025. Annual Report This year’s Annual Report will be made available to all members via our website www.unitybank.com.au at least 21 days prior to the AGM. If you are unable to access our website, please contact our Member Service team on 1300 364 400 to arrange a hard copy.

Security Scams Awareness

Building our cyber safe culture

October is Cyber Security Awareness Month, an important reminder that small, consistent actions help protect what matters most online. This year’s theme “Building our cyber safe culture” underscores the importance of proactive online safety measures, supported by a range of resources designed to help individuals and businesses to prioritise cyber security. There are simple actions everyone can take to safeguard themselves online: 1) Install all software updates to keep your devices secure: Installing regular updates will keep your devices secure and makes it harder for cyber criminals to access them. Make sure that automatic updates are switched on so that you are notified when an update is available. Learn more about how to update your devices at cyber.gov.au 2) Use a unique and strong passphrase on every account: A passphrase is a more secure version of a password. Passphrases are hard for cybercriminals to crack, but easy for you to remember.        Create passphrases that are: 15 or more characters Unpredictable: use 4 or more random words. Avoid identifying information such as family names, birth dates or addresses. Unique: are different for every account. Learn more about how to set secure passphrases at cyber.gov.au 3) Always set up multi-factor authentication (MFA): Enable multi-factor authentication where available to add an extra layer of security to all of your online accounts. MFA requires two or more proofs of identity to log in to your account MFA adds an extra layer of security Start with setting up MFA on your most important accounts (such as online banking and email accounts) Learn more about how to turn on multi-factor authentication at cyber.gov.au Cyber Security Awareness Month focuses on building capability and encouraging action, giving Australians the skills and confidence to take control of their online safety. The goal is to ensure both individuals and organisations have the knowledge and tools to stay secure. A strong cyber culture develops through small, consistent actions that become everyday habits. Simple practices, such as questioning unexpected emails, pausing before clicking links, and regularly checking account security, can make a big difference. By embedding these behaviours into daily routines, cyber safety becomes second nature at home and in the workplace. Everyone has a role in creating a resilient digital community. By staying alert and practising good cyber hygiene, we can reduce risks and better protect the things that matter most. Need help?If you believe someone has gained access to your bank account and/or personal information, even if the scam appears unrelated to your finances, you should contact your bank immediately. A timely response can be critical. If you have concerns about your account contact us immediately. You can report cybercrime directly to the Australian Cyber Security Centre (ACSC). Find out how scams work, how to protect yourself, what to do if you’ve been scammed or report a scam to the Australian Competition and Consumer Commission (ACCC) via Scamwatch. As always, we remain committed to your security and privacy online. To understand how we help to keep you safe, please refer to our Security page. For information on common scams and how to protect yourself, please visit the News section of our website.  

Bank support for regional branches grows

October 9, 2025: The Regional Banking Investment Alliance (RBIA) has welcomed the newly merged G&C Mutual Bank and Unity Bank to their group advocating for a community service obligation (CSO) to keep regional bank branches open. The advocacy group recently presented a cost sharing model to the government and Treasury, proposing banks contribute to a fund to help subsidise some of the staff costs in maintaining face-to-face services in regional and remote areas of Australia. The cost sharing model presented by the alliance of regional banks has gained momentum, including interest from a number of banks outside the group. Unity Bank CEO, Danny Pavisic said the model has potential to make a real difference in regional communities. “We service members across the country who value the ability to be able to go into one of our service centres and speak to real people, with real advice and real solutions. The cost sharing model proposed by the RBIA allows regional banks a realistic opportunity to not only keep their current face-to-face services but to ensure the ongoing financial inclusion of those living in regional areas”, said Mr Pavisic. CEO of Queensland Country Bank and RBIA spokesperson, Aaron Newman highlighted the struggle that regional banks can face: “We are passionate about servicing our local communities and keeping the profits local, but it’s really tough when we are competing against giants, who are not doing the same. “Around 30% of transactions in our banks lead to pass through banking, seriously disadvantaging our ability to compete and expand. We just want the banks who are neglecting the regions to pay their fair share in keeping face-to-face services alive.” The CSO initiative would be funded by the banking industry via existing financial sector levies and amount to around $153 million, or 0.17% of the total operating income of the major banks. Under the RBIA proposal, bank branches receiving the CSO contribution would need to meet criteria that the community generally expects from retail branch services, such as cash handing, home loans, transaction accounts, and term deposit management, as well as trained staff to offer advice and support. The contribution would be directly linked to trained full time employees, ensuring face-to-face services are maintained. With the inclusion of the G&C Mutual Bank and Unity Bank brands, the RBIA includes member banks across New South Wales, Queensland, Victoria, the Northern Territory, South Australia and Western Australia. More information can be found at: https://rbialliance.com.au/

Important information

Launch of green products to support members and the environment

In a further step toward advancing our Environmental, Social, and Governance (ESG) Strategy, Mutually valuable banking for people and planet, we are pleased to launch two new purpose-driven products designed to help members reduce their environmental impact. We believe sustainable choices should also be affordable choices. Our Green Car Loan and Green Upgrades Loan are the latest additions to our impact product suite, making it easier for our members to take meaningful steps toward reducing emissions and saving on energy costs. “As a mutual bank, we exist to create value for our members and their communities­­ - not shareholders,” said Danny Pavisic, Unity Bank Limited CEO. “These new products reflect our commitment to helping members make positive, practical changes for a more sustainable future.” Green Car Loan Our Green Car Loan features a competitive fixed interest rate and reduced fees to support the purchase of eligible hybrid or electric vehicles. It is designed to make lower-emissions transport more accessible for members ready to make the switch. Green Upgrades Loan Our Green Upgrades Loan is a personal loan offering a competitive variable interest rate and reduced fees to help members invest in energy-efficient home improvements such as solar panels, insulation, efficient heating and cooling systems, rainwater tanks, and more. Members who already have their home loan with us are eligible for a further discounted interest rate on our Green Upgrades Loan. These products directly support our ESG strategy, with a focus on reducing financed emissions, promoting environmental responsibility, and empowering members to take practical climate action in their everyday lives. “We know many of our members want to make greener choices, but cost can be a barrier,” Danny continued. “By offering these loans with competitive rates and fees, we’re helping to remove that barrier - and support more sustainable communities.” These new offerings align with our broader commitment to environmental responsibility, social impact and financial inclusion. The first impact product delivered under our ESG Strategy was our Essential Worker Home Loan, winner of the 2024 Finder Innovation Award in the Social Impact Innovation category. Designed to recognise the contribution essential workers make to the community by supporting their home ownership journey with a value and feature packed product, it has been very successful in terms of supporting our essential worker community, delivering social impact, driving loan growth and attracting new to bank members aligned to this cohort.We believe these new products will help to further retain and attract values-aligned members, contribute to our sustainable growth, assist with reporting metrics around green funding and financed emissions, but most importantly, support members who want to play an active role in shaping a cleaner, greener future.