🏘️
Bank profile · Term deposits
LiveUnity Bank term deposits
Unity Bank also offers savings accounts, home loans and personal loans · Provider overview →
As of 18 September 2026, Unity Bank has one term deposit product tracked by BankMate, over 18 terms from 2 months to 5 years. Its highest rate is 5.35% p.a. on the Term Deposit for 30 months, 3rd of 6 30-month deposits — a term deposit rate means nothing without its term, so each deposit is ranked only against others of the same term. Its rates last changed on 21 May 2026.
- Best rate
- 5.35%
- 30 months · Term Deposit
- Market rank
- #3
- of 6 30-month deposits
- Terms
- 18
- 1 product
- Last change
- 21 May 2026
- 4 changes on record
Rates over time
Best 12-month rate per product- Term Deposit
- RBA cash rate
- Market average · 12-month deposits
What changed
4 changes since 14 May 2026- Term 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 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
- Term 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 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
Term deposits
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.
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Notes on Unity Bank term deposits
to leave a note.