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Please be aware that scammers have been calling individuals posing as Unity Bank’s Fraud Team and asking for sensitive information such as bank details, access and OTP’s (One-time passwords). Unity Bank does NOT ask for banking details, access to your accounts or OTP’s when calling Members. If you do receive a call from a scammer posing as a Unity Bank staff member requesting the above details, please hang up and call us on 1300 36 2000.

Invest in our Term Deposits and take advantage of great returns

Term Deposit Account

Standard Term Deposit is a great way to earn interest on money that you do not need to access on a daily basis. We offer term deposit accounts of 3 to 36 months duration to fit in with your investment requirements.

Up to
4.80 % p.a.

Interest rate

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Features & fees

Kick Starter Term Deposit

Kick Starter Term Deposit is a great way to earn interest on money that you do not need to access on a daily basis for people aged between 0 - 25 years.

Up to
4.10 % p.a.

Interest rate

Apply now Learn more

Features & fees

Compare our savings accounts

Find out all the key features for our savings products.

Frequently Asked Questions

For more related frequently asked questions, visit our FAQs page.

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FAQs

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Important Information

¹ Eligibility criteria, terms and conditions, fees and charges may apply. All information including interest rate is subject to change. Interest shown applies to Standard Term Deposit of 12 months between $1,000 - $300,000. 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 If the deposit or any part of it is withdrawn early, an interest rate adjustment will normally apply.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 shown applies to a 6-month term deposit at a minimum deposit of $500. 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.

View All Term Deposits