UniBank
Essential Saver account
An interest bearing online savings account with a tiered interest rate structure
Savings & transaction accountsBank updated 16 Sept 2026
At a glance
- Base rate
- 3.00%
§ 01 — Rates · 5
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | up to $250,000 | 5.00% | — | paid every 1 mo |
| Variable | — | — | $1,000,000–$5,000,000 | 3.00% | — | paid every 1 mo |
| Variable | — | — | $250,000–$500,000 | 5.00% | — | paid every 1 mo |
| Variable | — | — | $500,000–$1,000,000 | 5.00% | — | paid every 1 mo |
| Variable | — | — | $5,000,000+ | 3.00% | — | paid every 1 mo |
§ 03 — Features
Instant paymentsPayIDDigital bankingUnlimited transactions
- · No fees for accessing your account online or via phone banking.
- · No monthly access fee.
- · No minimum balance.
§ 04 — Eligibility & limits
- · Residency: Individuals must be citizens or permanent residents of Australia.
- · You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by UniBank under the Consumer Data Right, last changed by them on 16 Sept 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.