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UniBank

Every product UniBank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 27 Oct 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with Australian Mutual Bank, Firefighters Mutual Bank, Health Professionals Bank and Teachers Mutual Bank under the same banking licence. Who shares a cap
  • Australian credit licence and AFS licence 238981, held by Teachers Mutual Bank Limited; credit licence since 1 February 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetUniBank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

30 products in 5 categories

  1. Home loans16
  2. Savings & transaction accounts6
  3. Personal loans4
  4. Term deposits3
  5. Credit cards1

UniBank's rates today

UniBank's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.

Where UniBank sits among every institution's best

UniBank 6.19%Everyone else, 104 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateUniBankBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.19%Your Way Home Loan5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.84%Your Way Plus Fixed Home Loan6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions
12-month term depositBest rate for a 12-month term5.40%Term Deposit for Edvest Members5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans6.99%Fixed Rate All Purpose Personal Loan5.80%Plenti Personal Loan7.96%of 68 institutions
Credit card purchase rateOngoing purchase rate, not introductory offers11.50%Credit Card7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions

UniBank home loan repayments

Repayments at UniBank's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.

Loan amount
$600,000
Loan term
30 yrs
The $600,000 you borrowInterest over 30 years
  1. VariableYour Way Home Loan
    6.19%6.25% comparison
    $3,671a month

    $721,532 in interest, $1,321,532 repaid in all

  2. 1-year fixedYour Way Plus Fixed Home Loan
    6.39%6.73% comparison
    $3,749a month

    $749,679 in interest, $1,349,679 repaid in all

  3. 2-year fixedYour Way Plus Fixed Home Loan
    6.74%6.80% comparison
    $3,888a month

    $799,536 in interest, $1,399,536 repaid in all

  4. 3-year fixedYour Way Plus Fixed Home Loan
    6.84%6.85% comparison
    $3,928a month

    $813,918 in interest, $1,413,918 repaid in all

  5. 5-year fixedYour Way Plus Fixed Home Loan
    7.04%7.01% comparison
    $4,008a month

    $842,861 in interest, $1,442,861 repaid in all

  6. Investor variableYour Way Home Loan Investor
    6.49%6.56% comparison
    $3,788a month

    $763,847 in interest, $1,363,847 repaid in all

Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not UniBank's own calculator: confirm the rate with UniBank before you apply.

UniBank home loan rates

Compare across banks

16 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.19%, with a comparison rate of 6.25%, on its Your Way Home Loan: 16th lowest of 104 lenders, level with 6 others.

UniBank savings and transaction account rates

Compare across banks

6 products

Its highest savings rate is 0.00%, on its Everyday Direct account: 74th highest of 84 institutions, level with 10 others.

UniBank term deposit rates

Compare across banks

3 products

Its highest 12-month term deposit rate is 5.40%, on its Term Deposit for Edvest Members: 11th highest of 65 institutions, level with 6 others.

RateUniBankBest anywhereTypical institution
3-month term depositBest rate for 3 months5.00%Term Deposit for Edvest Members5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions
6-month term depositBest rate for 6 months5.15%Term Deposit for Edvest Members5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months5.40%Term Deposit for Edvest Members5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
3-year term depositBest rate for 3 years4.30%Term Deposit for Edvest Members5.60%Judo Bank's Personal Term Deposits4.25%of 44 institutions

UniBank credit card rates

Compare across banks

1 product

Its lowest credit card purchase rate is 11.50%, on its Credit Card: 14th lowest of 51 card issuers.

UniBank personal loan rates

Compare across banks

4 products

Its lowest advertised personal loan rate is 6.19% fixed, with a comparison rate of 6.40%, on its Fixed Rate Car Loan: 6th lowest of 69 lenders, level with 2 others.

Rate changes since 18 Sept 2026How every lender responded

Has UniBank passed on the RBA's November 2026 rate rise?

UniBank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.

  1. Tue 27 Oct

  2. Fri 9 Oct

  3. Thu 8 Oct

  4. Fri 2 Oct

  5. Thu 1 Oct

  6. Sat 26 Sep

Published by UniBank under the Consumer Data Right, last changed by them on 27 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.