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Moving House Guide

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Some people would consider moving house a nightmare and a half. From booking removalists to decluttering, we know these tasks can cause unnecessary stress to any new home owner. That’s why we have come up with some easy ways to keep your stress levels down and move in no time.

Preparation is key!

To prepare for M day (moving day), a lot of time is needed. If unprepared and unorganised, M day can easily turn into D day (Dooms day). So preparation is key when moving homes, you can start of by assessing what will be moving with you to your new home and what will be thrown in the skip or sold. This is an important step before considering a removal company because it will help you understand how much furniture you will be moving. Do you really want the old lounge chair that the cat destroyed? No, throw it in the skip. By categorising items into ‘Keep’, ‘Sell’, ‘Donate’ and ‘Skip’, you could potentially save yourself some money in moving costs.           

Update everything

Updating your contact details is a crucial part of moving. Most organisations allow you to update your mailing address online or over the phone. Don’t forget to have your address changed on your driver’s licence as well as on the electoral roll. You can also organise mail redirection to your new address, so you don’t miss out on any important letters.

Electricity and gas

Organising your electricity and gas before you move in will prevent cold showers and no power. This task should normally be organised one week before M day. During this time arrangements should also be made for connecting and disconnecting of all other services with your utility providers such as phone, internet, water and pay TV.    

Mr fluffy is a priority!

If you think moving houses is a nightmare and a half, your pets are probably stressed out too. Plan ahead and organise for a family member or friend to look after them while you make the move. Once settled you can introduce them into their new home with no stress or injuries to your pets. 

M Day

Ok so you have followed all our preparation steps, now it’s moving day. Be prepared for a long day ahead, so snacks are always good to have. To keep your family volunteers and moving team happy, snacks such as fruit, muesli bars, small packet chips, crackers and chocolates will keep hungry bellies at bay. Also staying hydrated by having water bottles on hand will help the day run smoothly.

We hope these moving preparation tips make your M day as stress free as possible.  



Unity Bank celebrates one year as a Bank.

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Today, on 1st March 2018, we celebrate one year as a bank and proudly remain a Member-Owned organisation. We will continue to provide outstanding personalised services, competitively priced products and support for the communities we serve. 

Our Credit Union legacy began in 1970 with the formation of the Waterside Workers’ of Australia Credit Union. Since then, the organisation has grown and merged with several credit unions including Power Credit Union, Gosford City Credit Union, Reliance Credit Union, Collie Miners Credit Union, Newcom Colliery Employees’ Credit Union, Shell Employees’ Credit Union and most recently Bankstown City Credit Union.

“Our name ‘Unity’ reflects our historical industrial heritage for our organisation – United for all our merged institutions and members”, said Mark Genovese, Chief Executive Officer of Unity Bank.

We would like to say thank all our Members for their continued support throughout our transition from a Credit Union to a Mutual Bank. We look forward to another year of providing outstanding products and services to all our present and future Members.  


Great News regarding our Bonus Saver Account!

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We would like to announce that our Bonus Saver Account limit will be increasing. The Bonus Rate will be applied to account balances under $100,0001 instead of $50,000 from 1st March 2018 onwards. To earn the Bonus Rate, a monthly minimum deposit of $50 still applies with no withdrawals, debit transfers or electronic debits from the account in the calendar month. 

1.Balances of all your Bonus Rate accounts are added together. The Bonus Rate is currently 2.19% p.a. The Standard Rate is currently 0.01% p.a. Both Rates can change without notice.


Changes to Internet Banking

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As of Tuesday 13th February, new features will be added to improve your online banking experience. With the launch of the New Payments Platform, you may notice some changes to the transfer page on Internet/Mobile Banking and the Banking App. With these changes we would like to remind our members the importance of online security and password protection. Here's some tips to bank safely:

1. Protect your identity

Your personal details are private and invaluable. Don't share your personal details and account information to soliciting persons or entities that may be suspicious.

2. Don’t respond

Ignore suspicious emails, letters, phone calls or text messages – press ‘delete’, throw them out or just hang up.

3. Don’t let scammers push your buttons

Scammers will play on your emotions to get what they want - be aware.

4. Resist the personal touch

Watch out for scammers posing as someone that you know and trust, or pretending to know you. It's important to protect your identity and if you're suspicious that you have been scammed - report it to us.

For more information visit


Moving Home Loans in 2018?

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Does your home loan still work for your lifestyle today? Compared to the time you started your loan to now, there has probably been 101 different changes in your life. Whether it was a new job, children, lifestyle changes or a new car, do you think there’s a better home loan out there that will save you money? Here are some of our tips for searching and finding the right home loan for you.  

  • Shop around to find the best home loan that suits you

Not every financial institution is the same. They all have different rates, offers and fees. Shopping around can help you better understand what different lenders are offering. A recent comparison has shown that our members may save up to $62,069^ in interest charges over the life of their loan, when comparing with other loan providers*.

  • Ask for a Home Loan Key Fact Sheet

Key Fact Sheets are set out to provide you with information about a particular loan. When looking at different loans, you can ask the lenders for Key Facts Sheets. This will assist you to compare loan features and choose the right loan for you.

Our Bank offers one of the best value home loans in Australia. See how we compare for an owner occupied $250,000 home loan over 30 years:   

  Variable Rate p.a* Comparison Rate p.a. + Loan Repayment p.m Total Interest Payment Amount Saved
Your Bank 4.09% 4.15% $1,207 $184,357  
ANZ 5.20% 5.30% $1,373 $244,200 $59,843
CBA 5.22% 5.36% $1,381 $245,312 $60,955
NAB 5.24% 5.37% $1,379 $246,426 $62,069
Westpac 5.24% 5.38% $1,379 $246,426 $62,069


  • Can your current lender give you a better deal?

Speak to your current lender about your home loan. There could be opportunities to internally switch to a better home loan that suits your current lifestyle, compared to when the loan was commenced.

  • Make your own comparison table

Once you have explored all possible lenders and their offers, come up with your own table to compare interest rates, fees and repayment amounts for each loan. Checking loan features can also ensure you are getting the features you want and not paying for the ones you don’t need.

If you’re looking to make the switch, speak to one of our Home Loan Specialists who can help you choose the right home loan. We can help you on the right path to a better home loan and bigger savings.       

For more information on switching home loans, click here for the ASIC Money Smart Guide.   


^ See chart above for full comparison details.

*Subject to change without notice. Terms and conditions, fees and charges and approval criteria apply. The big 4 Bank's Standard Variable Home Loan Rates were correct as at 31st January 2018, taken from each institution's website.

+Bank comparisons are based on a $250,000 loan, over 30 years secured with monthly repayments. (Taken from each bank's website 31st January 2018)

WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.