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Term Deposit for Edvest Members

Take advantage of great returns on our term deposits.

Term depositsBank updated 7 Oct 2026
Apply at UniBank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Best rate
5.40% for 12m
12 months
5.40%
Min deposit
$1,000

How it compares

This term deposit in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This term deposit: 5.00%Every other institution's highest, 54 in all

Best rate for 3 months. One dot per institution, at its highest 3-month term deposit rate anyone can apply for; hover or tap a dot for its name.

RateThis term depositBest anywhereTypical institutionWhere it sits
3-month term depositBest rate for 3 months5.00%5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions12th highest of 55, level with 5 others
6-month term depositBest rate for 6 months5.15%5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions25th highest of 63, level with 3 others
12-month term depositBest rate for 12 months5.40%5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions11th highest of 65, level with 6 others
3-year term depositBest rate for 3 years4.30%5.60%Judo Bank's Personal Term Deposits4.25%of 44 institutions20th highest of 44

Rates

Every rate UniBank publishes for this term deposit, 54 in all.

Its best rate at each term

  1. 3 motypical 4.60%5.00%
  2. 119 days5.00%
  3. 4 mo4.30%
  4. 149 days4.30%
  5. 5 mo4.30%
  6. 179 days4.30%
  7. 6 motypical 5.10%5.15%
  8. 209 days5.15%
  9. 7 mo5.15%
  10. 239 days5.15%
  11. 8 mo4.30%
  12. 269 days4.30%
  13. 9 mo4.80%
  14. 299 days4.80%
  15. 10 mo4.30%
  16. 329 days4.30%
  17. 11 mo4.30%
  18. 364 days4.30%
  19. 1 yrtypical 5.30%5.40%
  20. 394 days5.40%
  21. 17 mo4.30%
  22. 544 days4.30%
  23. 23 mo4.30%
  24. 729 days4.30%
  25. 35 mo4.30%
  26. 1094 days4.30%
  27. 3 yrstypical 4.25%4.30%
This term depositTypical institution's best for the term
TypeApplies toTermBandRateComparisonConditions
Fixed-1094 days$1,000–$5,0004.30%--
Fixed-1094 days$5,000–$9,999,9994.30%--
Fixed-119 days$1,000–$5,0005.00%--
Fixed-119 days$5,000–$9,999,9995.00%--
Fixed-149 days$1,000–$5,0004.30%--
Fixed-149 days$5,000–$9,999,9994.30%--
Fixed-179 days$1,000–$5,0004.30%--
Fixed-179 days$5,000–$9,999,9994.30%--
Fixed-209 days$1,000–$5,0005.15%--
Fixed-209 days$5,000–$9,999,9995.15%--
Fixed-239 days$1,000–$5,0005.15%--
Fixed-239 days$5,000–$9,999,9995.15%--
Fixed-269 days$1,000–$5,0004.30%--
Fixed-269 days$5,000–$9,999,9994.30%--
Fixed-299 days$1,000–$5,0004.80%--
Fixed-299 days$5,000–$9,999,9994.80%--
Fixed-329 days$1,000–$5,0004.30%--
Fixed-329 days$5,000–$9,999,9994.30%--
Fixed-364 days$1,000–$5,0004.30%--
Fixed-364 days$5,000–$9,999,9994.30%--
Fixed-394 days$1,000–$5,0005.40%--
Fixed-394 days$5,000–$9,999,9995.40%--
Fixed-544 days$1,000–$5,0004.30%--
Fixed-544 days$5,000–$9,999,9994.30%--
Fixed-729 days$1,000–$5,0004.30%--
Fixed-729 days$5,000–$9,999,9994.30%--
Fixed-10 mo$1,000–$5,0004.30%-paid every 10 mo
Fixed-10 mo$5,000–$9,999,9994.30%-paid every 10 mo
Fixed-11 mo$1,000–$5,0004.30%-paid every 11 mo
Fixed-11 mo$5,000–$9,999,9994.30%-paid every 11 mo
Fixed-1 yr$1,000–$5,0005.40%-paid every 1 yr
Fixed-1 yr$5,000–$9,999,9995.40%-paid every 1 yr
Fixed-17 mo$1,000–$5,0004.30%-paid every 17 mo
Fixed-17 mo$5,000–$9,999,9994.30%-paid every 17 mo
Fixed-23 mo$1,000–$5,0004.30%-paid every 23 mo
Fixed-23 mo$5,000–$9,999,9994.30%-paid every 23 mo
Fixed-3 mo$1,000–$5,0005.00%-paid every 3 mo
Fixed-3 mo$5,000–$9,999,9995.00%-paid every 3 mo
Fixed-35 mo$1,000–$5,0004.30%-paid every 35 mo
Fixed-35 mo$5,000–$9,999,9994.30%-paid every 35 mo
Fixed-3 yrs$1,000–$5,0004.30%-paid every 3 yrs
Fixed-3 yrs$5,000–$9,999,9994.30%-paid every 3 yrs
Fixed-4 mo$1,000–$5,0004.30%-paid every 4 mo
Fixed-4 mo$5,000–$9,999,9994.30%-paid every 4 mo
Fixed-5 mo$1,000–$5,0004.30%-paid every 5 mo
Fixed-5 mo$5,000–$9,999,9994.30%-paid every 5 mo
Fixed-6 mo$1,000–$5,0005.15%-paid every 6 mo
Fixed-6 mo$5,000–$9,999,9995.15%-paid every 6 mo
Fixed-7 mo$1,000–$5,0005.15%-paid every 7 mo
Fixed-7 mo$5,000–$9,999,9995.15%-paid every 7 mo
Fixed-8 mo$1,000–$5,0004.30%-paid every 8 mo
Fixed-8 mo$5,000–$9,999,9994.30%-paid every 8 mo
Fixed-9 mo$1,000–$5,0004.80%-paid every 9 mo
Fixed-9 mo$5,000–$9,999,9994.80%-paid every 9 mo

Rate changes

54 changes logged, newest first.

DateRateWasNowChange
8 Oct 2026Fixed, 1094 days, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 1094 days, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 119 days, $1,000–$5,0004.85%5.00%up 0.15
8 Oct 2026Fixed, 119 days, $5,000–$9,999,9994.85%5.00%up 0.15
8 Oct 2026Fixed, 149 days, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 149 days, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 179 days, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 179 days, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 209 days, $1,000–$5,0004.65%5.15%up 0.50
8 Oct 2026Fixed, 209 days, $5,000–$9,999,9994.65%5.15%up 0.50
8 Oct 2026Fixed, 239 days, $1,000–$5,0005.05%5.15%up 0.10
8 Oct 2026Fixed, 239 days, $5,000–$9,999,9995.05%5.15%up 0.10
8 Oct 2026Fixed, 269 days, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 269 days, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 299 days, $1,000–$5,0004.55%4.80%up 0.25
8 Oct 2026Fixed, 299 days, $5,000–$9,999,9994.55%4.80%up 0.25
8 Oct 2026Fixed, 329 days, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 329 days, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 364 days, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 364 days, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 394 days, $1,000–$5,0005.30%5.40%up 0.10
8 Oct 2026Fixed, 394 days, $5,000–$9,999,9995.30%5.40%up 0.10
8 Oct 2026Fixed, 544 days, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 544 days, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 729 days, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 729 days, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 10 mo, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 10 mo, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 11 mo, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 11 mo, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 1 yr, $1,000–$5,0005.30%5.40%up 0.10
8 Oct 2026Fixed, 1 yr, $5,000–$9,999,9995.30%5.40%up 0.10
8 Oct 2026Fixed, 17 mo, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 17 mo, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 23 mo, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 23 mo, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 3 mo, $1,000–$5,0004.85%5.00%up 0.15
8 Oct 2026Fixed, 3 mo, $5,000–$9,999,9994.85%5.00%up 0.15
8 Oct 2026Fixed, 35 mo, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 35 mo, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 3 yrs, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 3 yrs, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 4 mo, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 4 mo, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 5 mo, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 5 mo, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 6 mo, $1,000–$5,0004.65%5.15%up 0.50
8 Oct 2026Fixed, 6 mo, $5,000–$9,999,9994.65%5.15%up 0.50
8 Oct 2026Fixed, 7 mo, $1,000–$5,0005.05%5.15%up 0.10
8 Oct 2026Fixed, 7 mo, $5,000–$9,999,9995.05%5.15%up 0.10
8 Oct 2026Fixed, 8 mo, $1,000–$5,0004.05%4.30%up 0.25
8 Oct 2026Fixed, 8 mo, $5,000–$9,999,9994.05%4.30%up 0.25
8 Oct 2026Fixed, 9 mo, $1,000–$5,0004.55%4.80%up 0.25
8 Oct 2026Fixed, 9 mo, $5,000–$9,999,9994.55%4.80%up 0.25

Each change is logged the night it appears in the rates UniBank publishes. See how every lender answered the RBA on the rate tracker.

Fees

One fee published, grouped by when they're charged.

While you hold it1

  • EDVEST_MEMBERSHIP

    An annual charge debited from the Everyday Direct account on each Edvest membership in January and on a pro-rata basis for new Edvest members.

    $30 a year

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 fortnight, 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…

Eligibility and limits

  • Residency: Individuals must be citizens or permanent residents of Australia.
  • Minimum balance $1,000
  • Opening balance $1,000
  • This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying account with us.
  • You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders…

Published by UniBank under the Consumer Data Right, last changed by them on 7 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.