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Unity Bank · Term deposit · 18 terms

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Term Deposit

The Unity Bank Term Deposit pays up to 5.35% p.a. as of 18 September 2026, over a 30-month term, 3rd of 6 30-month deposits tracked by BankMate. It is offered over 18 terms from 2 months to 5 years, with interest paid annually or monthly or quarterly, from a $1,000 deposit. Its rates last changed on 21 May 2026.

5.35%p.a. · 30 months

interest annually or monthly or quarterly; from $1,000

Go to Unity Bank

Rates over time

Best rate per term
  • RBA cash rate
  • Market average · 12-month deposits
3.504.004.505.005.50JunJulAugToday5.352 years5.3530 months5.301 year5.156 months5.159 months4.953 months4.853 years4.255 years4.254 years3.8518 months
  • 3 months
  • 6 months
  • 9 months
  • 1 year
  • 2 years
  • 3 years
  • 5 years
  • 18 months
  • 30 months
  • 4 years

Changes

4 changes since 14 May 2026
  1. Term Deposit · 34 terms up 0.05 to 0.3015 days after the RBA rise to 4.35%
    • 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
    mixed
  2. Term Deposit · 34 terms cut 0.05 to 0.30
    • 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
    mixed
  3. Term Deposit · 34 terms up 0.05 to 0.3013 days after the RBA rise to 4.35%
    • 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
    mixed
  4. Term Deposit · 34 terms cut 0.05 to 0.30
    • 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
    mixed

Rates by term

Ranked within each term
3 months
4.95% · #31 of 369 3-month deposits
6 months
5.15% · #34 of 547 6-month deposits
9 months
5.15% · #42 of 500 9-month deposits
1 year
5.30% · #29 of 590 12-month deposits
2 years
5.35% · #4 of 394 24-month deposits
3 years
4.85% · #72 of 345 36-month deposits
5 years
4.25% · #41 of 152 60-month deposits
18 months
3.85% · #78 of 122 18-month deposits
30 months
5.35% · #3 of 6 30-month deposits
4 years
4.25% · #56 of 157 48-month deposits

Deposit

Minimum deposit
$1,000
Maximum deposit
$9,999,999

Interest

Paid
Annually or Monthly or Quarterly
Compounding
monthly

Early withdrawal

Before maturity
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.

About this product

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.

Compare all term deposits