UniBank
Term Deposit for Customers
Take advantage of great returns on our term deposits.
Term depositsBank updated 17 Aug 2026
At a glance
- Best rate
- 5.25% for 12m
- 12 months
- 5.25%
- Min deposit
- $1,000
§ 01 — Rates · 54
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | — | 1094 days | $1,000–$5,000 | 4.00% | — | — |
| Fixed | — | 1094 days | $5,000–$9,999,999 | 4.00% | — | — |
| Fixed | — | 119 days | $1,000–$5,000 | 4.80% | — | — |
| Fixed | — | 119 days | $5,000–$9,999,999 | 4.80% | — | — |
| Fixed | — | 149 days | $1,000–$5,000 | 4.00% | — | — |
| Fixed | — | 149 days | $5,000–$9,999,999 | 4.00% | — | — |
| Fixed | — | 179 days | $1,000–$5,000 | 4.00% | — | — |
| Fixed | — | 179 days | $5,000–$9,999,999 | 4.00% | — | — |
| Fixed | — | 209 days | $1,000–$5,000 | 4.60% | — | — |
| Fixed | — | 209 days | $5,000–$9,999,999 | 4.60% | — | — |
| Fixed | — | 239 days | $1,000–$5,000 | 5.00% | — | — |
| Fixed | — | 239 days | $5,000–$9,999,999 | 5.00% | — | — |
| Fixed | — | 269 days | $1,000–$5,000 | 4.00% | — | — |
| Fixed | — | 269 days | $5,000–$9,999,999 | 4.00% | — | — |
| Fixed | — | 299 days | $1,000–$5,000 | 4.50% | — | — |
| Fixed | — | 299 days | $5,000–$9,999,999 | 4.50% | — | — |
| Fixed | — | 329 days | $1,000–$5,000 | 4.00% | — | — |
| Fixed | — | 329 days | $5,000–$9,999,999 | 4.00% | — | — |
| Fixed | — | 364 days | $1,000–$5,000 | 4.00% | — | — |
| Fixed | — | 364 days | $5,000–$9,999,999 | 4.00% | — | — |
| Fixed | — | 394 days | $1,000–$5,000 | 5.25% | — | — |
| Fixed | — | 394 days | $5,000–$9,999,999 | 5.25% | — | — |
| Fixed | — | 544 days | $1,000–$5,000 | 4.00% | — | — |
| Fixed | — | 544 days | $5,000–$9,999,999 | 4.00% | — | — |
| Fixed | — | 729 days | $1,000–$5,000 | 4.00% | — | — |
| Fixed | — | 729 days | $5,000–$9,999,999 | 4.00% | — | — |
| Fixed | — | 10 mo | $1,000–$5,000 | 4.00% | — | paid every 10 mo |
| Fixed | — | 10 mo | $5,000–$9,999,999 | 4.00% | — | paid every 10 mo |
| Fixed | — | 11 mo | $1,000–$5,000 | 4.00% | — | paid every 11 mo |
| Fixed | — | 11 mo | $5,000–$9,999,999 | 4.00% | — | paid every 11 mo |
| Fixed | — | 1 yr | $1,000–$5,000 | 5.25% | — | paid every 1 yr |
| Fixed | — | 1 yr | $5,000–$9,999,999 | 5.25% | — | paid every 1 yr |
| Fixed | — | 17 mo | $1,000–$5,000 | 4.00% | — | paid every 17 mo |
| Fixed | — | 17 mo | $5,000–$9,999,999 | 4.00% | — | paid every 17 mo |
| Fixed | — | 23 mo | $1,000–$5,000 | 4.00% | — | paid every 23 mo |
| Fixed | — | 23 mo | $5,000–$9,999,999 | 4.00% | — | paid every 23 mo |
| Fixed | — | 3 mo | $1,000–$5,000 | 4.80% | — | paid every 3 mo |
| Fixed | — | 3 mo | $5,000–$9,999,999 | 4.80% | — | paid every 3 mo |
| Fixed | — | 35 mo | $1,000–$5,000 | 4.00% | — | paid every 35 mo |
| Fixed | — | 35 mo | $5,000–$9,999,999 | 4.00% | — | paid every 35 mo |
| Fixed | — | 3 yrs | $1,000–$5,000 | 4.00% | — | paid every 3 yrs |
| Fixed | — | 3 yrs | $5,000–$9,999,999 | 4.00% | — | paid every 3 yrs |
| Fixed | — | 4 mo | $1,000–$5,000 | 4.00% | — | paid every 4 mo |
| Fixed | — | 4 mo | $5,000–$9,999,999 | 4.00% | — | paid every 4 mo |
| Fixed | — | 5 mo | $1,000–$5,000 | 4.00% | — | paid every 5 mo |
| Fixed | — | 5 mo | $5,000–$9,999,999 | 4.00% | — | paid every 5 mo |
| Fixed | — | 6 mo | $1,000–$5,000 | 4.60% | — | paid every 6 mo |
| Fixed | — | 6 mo | $5,000–$9,999,999 | 4.60% | — | paid every 6 mo |
| Fixed | — | 7 mo | $1,000–$5,000 | 5.00% | — | paid every 7 mo |
| Fixed | — | 7 mo | $5,000–$9,999,999 | 5.00% | — | paid every 7 mo |
| Fixed | — | 8 mo | $1,000–$5,000 | 4.00% | — | paid every 8 mo |
| Fixed | — | 8 mo | $5,000–$9,999,999 | 4.00% | — | paid every 8 mo |
| Fixed | — | 9 mo | $1,000–$5,000 | 4.50% | — | paid every 9 mo |
| Fixed | — | 9 mo | $5,000–$9,999,999 | 4.50% | — | paid every 9 mo |
§ 03 — Features
Digital banking
- · No account keeping fee
- · A guaranteed rate for terms from 3 to 36 months
- · Earn a competitive interest rate on your investment with a minimum opening balance of $1,000 can get you started.
- · Interest can be paid monthly, 12 monthly or at maturity.
- · For deposits of $500,000 and over, rates are by negotiation and subject to acceptance.
- · We'll send you a written renewal notice before your deposit matures.
- · If you want to withdraw your Term Deposit before it matures you'll need to give us 31 days' notice. A reduced rate of interest will apply in these circumstances. For full details refer to our Conditi…
§ 04 — Eligibility & limits
- · Residency: Individuals must be citizens or permanent residents of Australia.
- · Minimum balance $1,000
- · Opening balance $1,000
§ 06 — Run the numbers
Put this product through a calculator
Published by UniBank under the Consumer Data Right, last changed by them on 17 Aug 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.