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Unity Bank

Every product Unity Bank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 7 Nov 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with G&C Mutual Bank and Reliance Bank under the same banking licence. Who shares a cap
  • Australian credit licence and AFS licence 238311, held by Unity Bank Limited; credit licence since 1 March 2011. ASIC register
Passed on in fullUnity Bank lifted its variable home loan rates by 0.25 percentage points from 7 Nov 2026, passing on the RBA's 4 Nov 2026 rise in full.

74 products in 6 categories

  1. Home loans44
  2. Savings & transaction accounts13
  3. Personal loans11
  4. Credit cards3
  5. Business loans2
  6. Term deposits1

Unity Bank's rates today

Unity Bank'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 Unity Bank sits among every institution's best

Unity Bank 6.34%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.

RateUnity BankBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.34%Momentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SO5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.50%Fixed Rate Home Loan - Owner Occupier - P&I - 36 mths6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions
Savings accountBase plus any bonus, when its conditions are met4.85%Bonus Saver Account5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term5.50%Term Deposit5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans7.99%Diamond Fair Rate Personal Loan Varibale P&I5.80%Plenti Personal Loan7.96%of 68 institutions
Credit card purchase rateOngoing purchase rate, not introductory offers7.49%Low Rate Visa Credit Card7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions

Unity Bank home loan repayments

Repayments at Unity Bank'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. VariableMomentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SO
    6.34%6.39% comparison
    $3,729a month

    $742,618 in interest, $1,342,618 repaid in all

  2. 1-year fixedFixed Rate Home Loan - Owner Occupier - P&I - 12 mths
    6.50%6.59% comparison
    $3,792a month

    $765,267 in interest, $1,365,267 repaid in all

  3. 2-year fixedFixed Rate Home Loan - Owner Occupier - P&I - 24 mths
    6.35%6.44% comparison
    $3,733a month

    $744,029 in interest, $1,344,029 repaid in all

  4. 3-year fixedFixed Rate Home Loan - Owner Occupier - P&I - 36 mths
    6.50%6.59% comparison
    $3,792a month

    $765,267 in interest, $1,365,267 repaid in all

  5. 5-year fixedFixed Rate Home Loan - Owner Occupier - P&I - 60 mths
    6.65%6.74% comparison
    $3,852a month

    $786,644 in interest, $1,386,644 repaid in all

  6. Investor variableMomentum Home Loan 60-80LVR - Property Investor - Variable - P&I
    6.70%6.75% comparison
    $3,872a month

    $793,800 in interest, $1,393,800 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 Unity Bank's own calculator: confirm the rate with Unity Bank before you apply.

Unity Bank home loan rates

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44 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.34%, with a comparison rate of 6.39%, on its Momentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SO: 39th lowest of 104 lenders, level with 10 others.

Unity Bank savings and transaction account rates

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13 products

Its highest savings rate is up to 4.85% (0.10% base plus a 4.75% bonus when its conditions are met), on its Bonus Saver Account: 37th highest of 84 institutions.

Unity Bank term deposit rates

Compare across banks

1 product

Its highest 12-month term deposit rate is 5.50%, on its Term Deposit: 7th highest of 65 institutions, level with one other.

RateUnity BankBest anywhereTypical institution
3-month term depositBest rate for 3 months5.10%Term Deposit5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions
6-month term depositBest rate for 6 months5.35%Term Deposit5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months5.50%Term Deposit5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years5.55%Term Deposit5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions
3-year term depositBest rate for 3 years5.20%Term Deposit5.60%Judo Bank's Personal Term Deposits4.25%of 44 institutions
5-year term depositBest rate for 5 years5.20%Term Deposit5.65%Judo Bank's Personal Term Deposits4.00%of 27 institutions

Unity Bank credit card rates

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3 products

Its lowest credit card purchase rate is 7.49%, on its Low Rate Visa Credit Card: the lowest of 51 card issuers.

Unity Bank personal loan rates

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11 products

Its lowest advertised personal loan rate is 7.99% variable, with a comparison rate of 8.00%, on its Diamond Fair Rate Personal Loan Varibale P&I: 52nd lowest of 69 lenders, level with 2 others.

Unity Bank business loan rates

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2 products

Rate changes since 18 Sept 2026How every lender responded

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

Unity Bank lifted its variable home loan rates by 0.25 percentage points from 7 Nov 2026, passing on the RBA's 4 Nov 2026 rise in full.

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

  1. Sat 7 Nov

  2. Tue 3 Nov

  3. Mon 2 Nov

  4. Fri 16 Oct

  5. Tue 13 Oct

  6. Thu 8 Oct

    • Unity Bank lifted 33 term deposit rates by 0.15 to 1.70 percentage points.

      0.15 to 1.70

  7. Wed 7 Oct

  8. Tue 6 Oct

Published by Unity Bank under the Consumer Data Right, last changed by them on 7 Nov 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.