Provider
LiveUnity Bank
As of 18 September 2026, Unity Bank has 39 products across four of the 8 pillars BankMate tracks: 2 savings accounts, 25 home loans, 1 term deposit and 11 personal loans. Its highest-placed product is Green Upgrades Loan (with mortgage) at 5.55% comparison rate, 1st of 212 unsecured loans. Its rates last moved on 8 June 2026.
- Pillars
- 4 of 8
- No credit cards, superannuation, share trading…
- Products tracked
- 39
- 2 savings accounts · 25 home loans · 1 term deposit
- Highest placed
- #1
- Green Upgrades Loan (with mortgage) · of 212 unsecured loans
- Last change
- 8 June 2026
- 11 changes on record
What changed
11 changes across 2 pillars since 1 Mar 2026- Savings accountsMoneyMAX 4.25 → 4.50Base rate 4.25% → 4.50% · 33 days after the RBA rise to 4.35%+0.25
- Savings accountsMoneyMAX 4.50 → 4.25Base rate 4.50% → 4.25%−0.25
- Savings accountsMoneyMAX 4.25 → 4.50Base rate 4.25% → 4.50% · 29 days after the RBA rise to 4.35%+0.25
- Savings accountsBonus Saver Account 4.40 → 4.60Bonus rate 4.30% → 4.50% · 27 days after the RBA rise to 4.35%+0.20
- Term depositsTerm Deposit · 34 terms up 0.05 to 0.3015 days after the RBA rise to 4.35%mixed
- 3-month 4.90 → 4.95
- 3-month 4.85 → 4.90
- 4-month 4.00 → 4.05
- 4-month 3.95 → 4.00
- 5-month 4.00 → 4.05
- 5-month 3.95 → 4.00
- 6-month 5.10 → 5.15
- 6-month 5.05 → 5.10
- 7-month 3.95 → 4.05
- 7-month 3.90 → 4.00
- 8-month 3.95 → 4.05
- 8-month 3.90 → 4.00
- 9-month 5.00 → 5.15
- 9-month 4.95 → 5.05
- 10-month 3.95 → 4.25
- 10-month 3.90 → 4.05
- 11-month 3.95 → 4.25
- 11-month 3.90 → 4.05
- 12-month 5.20 → 5.30
- 12-month 5.15 → 5.20
- 13-month 3.60 → 3.85
- 13-month 3.55 → 3.70
- 18-month 3.60 → 3.85
- 18-month 3.55 → 3.70
- 24-month 5.20 → 5.35
- 24-month 5.15 → 5.20
- 30-month 5.20 → 5.35
- 30-month 5.15 → 5.20
- 36-month 4.60 → 4.85
- 36-month 4.55 → 4.65
- 48-month 4.00 → 4.25
- 48-month 3.95 → 4.05
- 60-month 4.00 → 4.25
- 60-month 3.95 → 4.05
- Term depositsTerm Deposit · 34 terms cut 0.05 to 0.30mixed
- 3-month 4.95 → 4.90
- 3-month 4.90 → 4.85
- 4-month 4.05 → 4.00
- 4-month 4.00 → 3.95
- 5-month 4.05 → 4.00
- 5-month 4.00 → 3.95
- 6-month 5.15 → 5.10
- 6-month 5.10 → 5.05
- 7-month 4.05 → 3.95
- 7-month 4.00 → 3.90
- 8-month 4.05 → 3.95
- 8-month 4.00 → 3.90
- 9-month 5.15 → 5.00
- 9-month 5.05 → 4.95
- 10-month 4.25 → 3.95
- 10-month 4.05 → 3.90
- 11-month 4.25 → 3.95
- 11-month 4.05 → 3.90
- 12-month 5.30 → 5.20
- 12-month 5.20 → 5.15
- 13-month 3.85 → 3.60
- 13-month 3.70 → 3.55
- 18-month 3.85 → 3.60
- 18-month 3.70 → 3.55
- 24-month 5.35 → 5.20
- 24-month 5.20 → 5.15
- 30-month 5.35 → 5.20
- 30-month 5.20 → 5.15
- 36-month 4.85 → 4.60
- 36-month 4.65 → 4.55
- 48-month 4.25 → 4.00
- 48-month 4.05 → 3.95
- 60-month 4.25 → 4.00
- 60-month 4.05 → 3.95
Show 5 earlier changes
- Term depositsTerm Deposit · 34 terms up 0.05 to 0.3013 days after the RBA rise to 4.35%mixed
- 3-month 4.90 → 4.95
- 3-month 4.85 → 4.90
- 4-month 4.00 → 4.05
- 4-month 3.95 → 4.00
- 5-month 4.00 → 4.05
- 5-month 3.95 → 4.00
- 6-month 5.10 → 5.15
- 6-month 5.05 → 5.10
- 7-month 3.95 → 4.05
- 7-month 3.90 → 4.00
- 8-month 3.95 → 4.05
- 8-month 3.90 → 4.00
- 9-month 5.00 → 5.15
- 9-month 4.95 → 5.05
- 10-month 3.95 → 4.25
- 10-month 3.90 → 4.05
- 11-month 3.95 → 4.25
- 11-month 3.90 → 4.05
- 12-month 5.20 → 5.30
- 12-month 5.15 → 5.20
- 13-month 3.60 → 3.85
- 13-month 3.55 → 3.70
- 18-month 3.60 → 3.85
- 18-month 3.55 → 3.70
- 24-month 5.20 → 5.35
- 24-month 5.15 → 5.20
- 30-month 5.20 → 5.35
- 30-month 5.15 → 5.20
- 36-month 4.60 → 4.85
- 36-month 4.55 → 4.65
- 48-month 4.00 → 4.25
- 48-month 3.95 → 4.05
- 60-month 4.00 → 4.25
- 60-month 3.95 → 4.05
- Term depositsTerm Deposit · 34 terms cut 0.05 to 0.30mixed
- 3-month 4.95 → 4.90
- 3-month 4.90 → 4.85
- 4-month 4.05 → 4.00
- 4-month 4.00 → 3.95
- 5-month 4.05 → 4.00
- 5-month 4.00 → 3.95
- 6-month 5.15 → 5.10
- 6-month 5.10 → 5.05
- 7-month 4.05 → 3.95
- 7-month 4.00 → 3.90
- 8-month 4.05 → 3.95
- 8-month 4.00 → 3.90
- 9-month 5.15 → 5.00
- 9-month 5.05 → 4.95
- 10-month 4.25 → 3.95
- 10-month 4.05 → 3.90
- 11-month 4.25 → 3.95
- 11-month 4.05 → 3.90
- 12-month 5.30 → 5.20
- 12-month 5.20 → 5.15
- 13-month 3.85 → 3.60
- 13-month 3.70 → 3.55
- 18-month 3.85 → 3.60
- 18-month 3.70 → 3.55
- 24-month 5.35 → 5.20
- 24-month 5.20 → 5.15
- 30-month 5.35 → 5.20
- 30-month 5.20 → 5.15
- 36-month 4.85 → 4.60
- 36-month 4.65 → 4.55
- 48-month 4.25 → 4.00
- 48-month 4.05 → 3.95
- 60-month 4.25 → 4.00
- 60-month 4.05 → 3.95
- Savings accountsMoneyMAX 4.00 → 4.25Base rate 4.00% → 4.25% · 15 days after the RBA rise to 4.10%+0.25
- Savings accountsMoneyMAX 3.80 → 4.00Base rate 3.80% → 4.00% · 27 days after the RBA rise to 3.85%+0.20
- Savings accountsMoneyMAX 4.00 → 3.80Base rate 4.00% → 3.80%−0.20
Savings accounts · 2
Total rate, conditions met · ranked among 94 accounts$100 deposit a month · no withdrawals · bonus up to $250k
4.60%#70 of 940.10% base + 4.50% bonus
- Monthly deposits
- $100/month
- Withdrawals
- Not allowed
- Balance range
- $0 - $250,000
Bonus up to $250k
4.50%#75 of 94
Full savings accounts record for Unity Bank →
Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for Unity Bank · Compare all savings accounts
Home loans · 25
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
5.85%#1 of 107comparison · 5.80% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
5.93%#2 of 107comparison · 5.90% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
5.93%#2 of 107comparison · 5.90% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
5.95%#4 of 107comparison · 5.90% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
5.95%#4 of 107comparison · 5.90% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Show 20 more
Variable · P&I · Owner-occupier · ≤60% LVR · offset account · redraw · no ongoing fee
6.04%#9 of 107comparison · 5.99% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · redraw · no ongoing fee
6.14%#12 of 107comparison · 6.09% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 60.01–80% LVR · offset account · redraw · no ongoing fee
6.14%#12 of 107comparison · 6.09% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
6.24%#27 of 107comparison · 6.19% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤80% LVR · offset account · redraw · no ongoing fee
6.24%#27 of 107comparison · 6.19% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · redraw · no ongoing fee
6.34%#8 of 81comparison · 6.29% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤60% LVR · offset account · redraw · no ongoing fee · 2 variants
6.35%#11 of 81advertised · no comparison rate published
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier · redraw · no ongoing fee
6.38%#6 of 68comparison · 6.34% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤60% LVR · offset account · redraw · no ongoing fee
6.40%#14 of 81comparison · 6.35% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · offset account · redraw · no ongoing fee
6.44%#21 of 81comparison · 6.39% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · 60.01–80% LVR · offset account · redraw · no ongoing fee · 2 variants
6.45%#22 of 81advertised · no comparison rate published
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier · offset account · redraw · no ongoing fee
6.48%#14 of 68comparison · 6.44% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · redraw · no ongoing fee
6.49%#13 of 80comparison · 6.44% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · 60.01–80% LVR · offset account · redraw · no ongoing fee
6.50%#28 of 81comparison · 6.45% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤80% LVR · offset account · redraw · no ongoing fee · 2 variants
6.55%#29 of 81advertised · no comparison rate published
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · offset account · redraw · no ongoing fee
6.59%#19 of 80comparison · 6.54% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤80% LVR · offset account · redraw · no ongoing fee
6.60%#37 of 81comparison · 6.55% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier · redraw · no ongoing fee
8.44%#50 of 68comparison · 8.35% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · redraw · no ongoing fee
8.97%#66 of 80comparison · 8.85% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · redraw · no ongoing fee
9.33%#70 of 80comparison · 9.25% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Full home loans record for Unity Bank →
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Term deposits · 1
Best rate per product, by term · ranked within each terminterest annually or monthly or quarterly · from $1,000 · 18 terms
3 mo 4.95%6 mo 5.15%9 mo 5.15%1 yr 5.30%2 yr 5.35%3 yr 4.85%5 yr 4.25%18 mo 3.85%30 mo 5.35%4 yr 4.25%5.35%#3 of 630 months
- 3 months
- 4.95% · #31 of 369
- 6 months
- 5.15% · #34 of 547
- 9 months
- 5.15% · #42 of 500
- 1 year
- 5.30% · #29 of 590
- 2 years
- 5.35% · #4 of 394
- 3 years
- 4.85% · #72 of 345
- 5 years
- 4.25% · #41 of 152
- 18 months
- 3.85% · #78 of 122
- 30 months
- 5.35% · #3 of 6
- 4 years
- 4.25% · #56 of 157
- Minimum deposit
- $1,000
- Maximum deposit
- $9,999,999
- Interest paid
- Annually or Monthly or Quarterly
- Early withdrawal
- Allowed · 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 applied dependent on the time left until maturity.
Full term deposits record for Unity Bank →
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Personal loans · 11
Comparison rate · ranked within unsecured or secured loansUnsecured · variable · any purpose · no fees
5.55%#1 of 212comparison · from 5.55% advertised
- Advertised rate
- from 5.55% p.a.
- Comparison rate
- 5.55% p.a.
- Rate type
- Variable
- Application fee
- None
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- From $50,000
- Extra repayments
- Yes
- Green Upgrades LoanFee-free
Unsecured · variable · any purpose · no fees
6.05%#5 of 212comparison · from 6.05% advertised
- Advertised rate
- from 6.05% p.a.
- Comparison rate
- 6.05% p.a.
- Rate type
- Variable
- Application fee
- None
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- Up to $50,000
- Extra repayments
- Yes
- Green Car LoanFee-free
Unsecured · fixed · car loan · no fees
6.49%#15 of 212comparison · from 6.49% advertised
- Advertised rate
- from 6.49% p.a.
- Comparison rate
- 6.49% p.a.
- Rate type
- Fixed
- Application fee
- None
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- Up to $150,000
- Loan term
- 1 year to 1 year
Unsecured · variable · any purpose · $2/mo
6.65%#21 of 212comparison · from 5.60% advertised
- Advertised rate
- from 5.60% p.a.
- Comparison rate
- 6.65% p.a.
- Rate type
- Variable
- Application fee
- None
- Monthly fee
- $2
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- Up to $10,000
- Extra repayments
- Yes
Unsecured · variable · debt consolidation · $150 application · $2/mo
8.00%#68 of 212comparison · from 7.99% advertised
- Advertised rate
- from 7.99% p.a.
- Comparison rate
- 8.00% p.a.
- Rate type
- Variable
- Application fee
- $150
- Monthly fee
- $2
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $1,000 – $90,000
- Extra repayments
- Yes
Show 6 more
Unsecured · fixed · car loan · $200 application · $2/mo
8.01%#70 of 212comparison · from 7.99% advertised
- Advertised rate
- from 7.99% p.a.
- Comparison rate
- 8.01% p.a.
- Rate type
- Fixed
- Application fee
- $200
- Monthly fee
- $2
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $1,000 – $150,000
- Loan term
- 2 years to 2 years
Unsecured · variable · debt consolidation · $150 application · $2/mo
10.00%#125 of 212comparison · from 9.99% advertised
- Advertised rate
- from 9.99% p.a.
- Comparison rate
- 10.00% p.a.
- Rate type
- Variable
- Application fee
- $150
- Monthly fee
- $2
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $1,000 – $90,000
- Extra repayments
- Yes
Unsecured · fixed · car loan · $200 application · $2/mo
10.01%#127 of 212comparison · from 9.99% advertised
- Advertised rate
- from 9.99% p.a.
- Comparison rate
- 10.01% p.a.
- Rate type
- Fixed
- Application fee
- $200
- Monthly fee
- $2
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $1,000 – $150,000
- Loan term
- 2 years to 2 years
Unsecured · variable · debt consolidation · $150 application · $2/mo
11.00%#149 of 212comparison · from 10.99% advertised
- Advertised rate
- from 10.99% p.a.
- Comparison rate
- 11.00% p.a.
- Rate type
- Variable
- Application fee
- $150
- Monthly fee
- $2
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $1,000 – $90,000
- Extra repayments
- Yes
Unsecured · variable · debt consolidation · $150 application · $2/mo
13.01%#182 of 212comparison · from 12.99% advertised
- Advertised rate
- from 12.99% p.a.
- Comparison rate
- 13.01% p.a.
- Rate type
- Variable
- Application fee
- $150
- Monthly fee
- $2
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $1,000 – $90,000
- Extra repayments
- Yes
Unsecured · variable · debt consolidation · $150 application · $2/mo
17.01%#205 of 212comparison · from 16.99% advertised
- Advertised rate
- from 16.99% p.a.
- Comparison rate
- 17.01% p.a.
- Rate type
- Variable
- Application fee
- $150
- Monthly fee
- $2
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $1,000 – $90,000
- Extra repayments
- Yes
Full personal loans record for Unity Bank →
Lenders publish the lowest rate in their range; the rate offered depends on the applicant. Compare all personal loans · Personal loan report
Unity Bank has no credit cards, superannuation, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.
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