Unity Bank
Term Deposit
With a Term Deposit your money is invested for a fixed period of time with a guaranteed rate of return. Term deposit rates vary depending on the frequency of interest payments and the length of time.
Term depositsBank updated 24 June 2026
At a glance
- Best rate
- 5.55% for 24m
- 12 months
- 5.30%
- Min deposit
- $1,000
§ 01 — Rates · 37
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 1 mo | $1,000–$9,999,999 | 2.50% | — | paid at maturity |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 10 mo | $1,000–$9,999,999 | 4.25% | — | paid at maturity |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 10 mo | $1,000–$9,999,999 | 4.05% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 11 mo | $1,000–$9,999,999 | 4.25% | — | paid at maturity |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 11 mo | $1,000–$9,999,999 | 4.05% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 1 yr | $1,000–$9,999,999 | 5.30% | — | paid at maturity |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 1 yr | $1,000–$9,999,999 | 5.20% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 13 mo | $1,000–$9,999,999 | 3.70% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 13 mo | $1,000–$9,999,999 | 3.85% | — | paid every 1 yr |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 18 mo | $1,000–$9,999,999 | 3.70% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 18 mo | $1,000–$9,999,999 | 3.85% | — | paid every 1 yr |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 2 mo | $1,000–$9,999,999 | 3.00% | — | paid at maturity |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 2 mo | $1,000–$9,999,999 | 2.95% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 2 yrs | $1,000–$9,999,999 | 5.40% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 2 yrs | $1,000–$9,999,999 | 5.55% | — | paid every 1 yr |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 3 mo | $1,000–$9,999,999 | 4.95% | — | paid at maturity |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 3 mo | $1,000–$9,999,999 | 4.90% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 30 mo | $1,000–$9,999,999 | 5.40% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 30 mo | $1,000–$9,999,999 | 5.55% | — | paid every 1 yr |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 3 yrs | $1,000–$9,999,999 | 4.65% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 3 yrs | $1,000–$9,999,999 | 4.85% | — | paid every 1 yr |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 4 mo | $1,000–$9,999,999 | 4.05% | — | paid at maturity |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 4 mo | $1,000–$9,999,999 | 4.00% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 4 yrs | $1,000–$9,999,999 | 4.05% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 4 yrs | $1,000–$9,999,999 | 4.25% | — | paid every 1 yr |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 5 mo | $1,000–$9,999,999 | 4.05% | — | paid at maturity |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 5 mo | $1,000–$9,999,999 | 4.00% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 6 mo | $1,000–$9,999,999 | 5.15% | — | paid at maturity |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 6 mo | $1,000–$9,999,999 | 5.10% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 5 yrs | $1,000–$9,999,999 | 4.05% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 5 yrs | $1,000–$9,999,999 | 4.25% | — | paid every 1 yr |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 7 mo | $1,000–$9,999,999 | 4.05% | — | paid at maturity |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 7 mo | $1,000–$9,999,999 | 4.00% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 8 mo | $1,000–$9,999,999 | 4.05% | — | paid at maturity |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 8 mo | $1,000–$9,999,999 | 4.00% | — | paid every 1 mo |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 9 mo | $1,000–$9,999,999 | 5.15% | — | paid at maturity |
| FixedThese rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly. | — | 9 mo | $1,000–$9,999,999 | 5.05% | — | paid every 1 mo |
§ 02 — Fees · 1
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| PAPER_STATEMENT_FEE | Periodic | $2 | Every 1 mo | A fee charged to cover the cost of producing and sending paper statements |
§ 03 — Features
Fraud protection
- · Backed by the Government Deposit Guarantee for deposits up to $250,000
- · Automatically rollover your existing Term Deposit at the rate of interest relevant to the new term that you select, or we will re-invest the principal and interest in accordance with the account inst…
- · Early withdrawal may be allowed at the discretion of the Bank on 31 days' notice. Where funds are withdrawn from a term deposit account prior to maturity, a reduction to the interest rate will be app…
§ 04 — Eligibility & limits
- · Residency: PERMANENT RESIDENT
- · Available to individuals
- · Minimum balance $1,000
- · Opening balance $1,000
§ 06 — Run the numbers
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Published by Unity Bank under the Consumer Data Right, last changed by them on 24 June 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.