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Money / Banks

Unity Bank

What Unity Bank publishes about its products under the Consumer Data Right, as at 17 October 2026. For current details, check Unity Bank's own website.

Savings and transaction accounts

Rates for a $10,000 balance. Compare with other banks.

AccountIf you miss the conditionsBonusWith the bonusWhat you have to do
Bonus Saver Account0.10%4.50%4.60%
  • Make no withdrawals
  • Put in at least $100 a month
In the bank's words

All deposits made to the account receive interest on the balance together with a bonus interest, if these conditions are met: no withdrawals or transfers are made in the month, account not closed during the month and minimum $100 deposit each month by cash, cheque, payroll credit or direct credit.

Christmas Saver Account0.50%–0.50% No bonus
MoneyMAX4.50%–4.50% No bonus
Pensioner Plus Account2.25%–2.25% No bonus
Self-Managed Superfund Account3.00%–3.00% No bonus

Term deposits

The rate for $10,000 (or the smallest deposit it takes). Compare with other banks.

Product3 months6 months12 months24 monthsSmallest deposit
Term Deposit5.10%5.35%5.50%5.55%$1,000

Home loans

Owner-occupier, principal and interest, borrowing 80% of the home's value. Compare with other banks.

LoanVariableComparisonFixed 1 yrFixed 2 yrFixed 3 yrFixed 4 yrFixed 5 yr
Advantage Home Loan - Owner Occupied - Variable P&I - With Offset6.44%6.49%–––––
Advantage Home Loan - Owner Occupied - Variable P&I - Without Offset6.34%6.39%–––––
Australian Government 5% Deposit Scheme6.15%6.20%–––––
Essential Worker Home Loan - Owner Occupier6.05%6.10%–––––
First Home Buyer Loan - Owner Occupied - SO6.15%6.20%–––––
Fixed Rate Home Loan - Owner Occupier - P&I - 12 mths––6.50%––––
Fixed Rate Home Loan - Owner Occupier - P&I - 24 mths changed 16 Oct–––6.35%–––
Fixed Rate Home Loan - Owner Occupier - P&I - 36 mths––––6.50%––
Fixed Rate Home Loan - Owner Occupier - P&I - 48 mths–––––6.65%–
Fixed Rate Home Loan - Owner Occupier - P&I - 60 mths––––––6.65%
Momentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SO6.34%6.39%–––––
Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO6.24%6.29%–––––
Momentum Home Loan 80LVR - Owner Occupier - Variable - P&I SO6.44%6.49%–––––
Vic Homebuyer Fund6.15%6.18%–––––

Credit cards

Compare with other banks.

CardPurchasesCashAnnual feeInterest-free daysOwing $2,000
Business - Low Rate Credit Card12.49%19.49%$5050$300
Low Rate Visa Credit Card7.49%15.49%$5050$200
Platinum Visa Credit Card19.99%21.99%$29950$699

Other products in these groups

These don't list rates we can show in a table (for example, accounts that pay no interest).

Rates changed on 832 products since 12 October 2026. Each one is marked "changed" below.

General information, not advice. This shows what banks publish. It doesn't recommend any product, and the order of a table is not a ranking. Rates change, so check the bank's own page for current details before you decide anything.

Source: Unity Bank product data, published under the Consumer Data Right, as at 17 October 2026. Every product name links to its page at Unity Bank, which has the current details.