--- title: "Unity Bank products" description: "Every Unity Bank product published under Australia's Consumer Data Right — rates, fees, features and eligibility." canonical: https://www.cdrcompare.au/brands/unity-bank source: "CDR Compare" language: en-AU last_updated: 2026-07-17T06:44:54Z --- # Unity Bank products > Every Unity Bank product published under Australia's Consumer Data Right — rates, fees, features and eligibility — on CDR Compare. **Bank** · 74 products Unity Bank is a CDR data holder in banking. Each product below links to a full page with that product's interest rates, comparison rate where published, fees, features, eligibility criteria and constraints, plus a link to apply with Unity Bank. ## Transaction & Savings Accounts (13) Everyday banking and savings accounts. - [Momentum Mortgage Offset Account](https://www.cdrcompare.au/brands/unity-bank/products/S23_MOMENTUM_OFFSET) — Everyday transaction account linked to your mortgage. The balance in this account is offset against your mortgage loan balance to help reduce interest payments long term. - [Essential Worker Home Loan Offset Account](https://www.cdrcompare.au/brands/unity-bank/products/S35_ESSENTIAL_WORKER_OFFSET) — Everyday transaction account linked to your eligible mortgage. The balance in this account is offset against your mortgage loan balance to help reduce interest payments long term. - [Choice Mortgage Offset Account](https://www.cdrcompare.au/brands/unity-bank/products/S33_CHOICE_MORTGAGE_OFFSET) — Everyday transaction account linked to your mortgage. The balance in this account is offset against your mortgage loan balance to help reduce interest payments long term. - [First Home Loan Offset (HGS) - Mortgage Offset](https://www.cdrcompare.au/brands/unity-bank/products/S25_FIRST_HOME_LOAN_OFFSET) — Everyday transaction account linked to your mortgage. The balance in this account is offset against your mortgage loan balance to help reduce interest payments long term. - [Self-Managed Superfund Account](https://www.cdrcompare.au/brands/unity-bank/products/S87_SMSF_ACCOUNT) — A savings account designed to help you save for retirement and offers greater control over how you invest your superannuation. - [BusiAccess](https://www.cdrcompare.au/brands/unity-bank/products/S82_BUSIACCESS_SAVINGS_ACCOUNT) — A simple, low-cost business account to help you manage your everyday transactions that gives you easy access to your money 24 hours a day, 7 days a week. - [Christmas Saver Account](https://www.cdrcompare.au/brands/unity-bank/products/S4_CHRISTMAS_SAVER_ACCOUNT) — Use our Christmas Account to help you put aside money for the busy Christmas period. - [MoneyMAX](https://www.cdrcompare.au/brands/unity-bank/products/S3_MONEYMAX) — Higher interest savings account with restricted range of payment services - [VIC Homebuyer Offset](https://www.cdrcompare.au/brands/unity-bank/products/S37_VIC_HOMEBUYER_MORTGAGE_OFFSET) — Everyday transaction account linked to your mortgage. The balance in this account is offset against your mortgage loan balance to help reduce interest payments long term. - [Advantage Mortgage Offset](https://www.cdrcompare.au/brands/unity-bank/products/S34_ADVANTAGE_MORTGAGE_OFFSET) — Everyday transaction account linked to your mortgage. The balance in this account is offset against your mortgage loan balance to help reduce interest payments long term. - [Access Account](https://www.cdrcompare.au/brands/unity-bank/products/S1_ACCESS_ACCOUNT) — An Access account will provide you with your everyday transaction account needs. Funds are available 24 hours a day, 7 days a week. - [Bonus Saver Account](https://www.cdrcompare.au/brands/unity-bank/products/S13_BONUS_SAVER_ACCOUNT) — Earn bonus interest on your savings if you deposit a minimum of $100 each month, make no withdrawals or transfers in the month, and do not close the account during the month. - [Pensioner Plus Account](https://www.cdrcompare.au/brands/unity-bank/products/S12_PENSIONER_PLUS_ACCOUNT) — An everyday account with tiered interest rates designed for persons 55 years or older, self funded retirees or pension recipients. ## Term Deposits (1) Fixed-term savings with locked-in rates. - [Term Deposit](https://www.cdrcompare.au/brands/unity-bank/products/I30_ALL_TERMS) — 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. ## Home Loans (44) Residential mortgages for owner-occupiers and investors. - [Momentum Home Loan 80LVR - Property Investor - Variable - P&I](https://www.cdrcompare.au/brands/unity-bank/products/L23_80LVR_INV_PRIN) — Your lifestyle, family or financial situation may have changed since you purchased your property. Our Momentum Home Loan was designed to make refinancing from another financial institution easy. - [Momentum Home Loan 80LVR - Property Investor - Variable - I/O](https://www.cdrcompare.au/brands/unity-bank/products/L23_80LVR_INV_INTOSO12) — Your lifestyle, family or financial situation may have changed since you purchased your property. Our Momentum Home Loan was designed to make refinancing from another financial institution easy. - [Fixed Rate Home Loan - Owner Occupier - I/O - 36 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXIO1-5_OCC_INTVSO36) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Owner Occupier - I/O - 48 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXIO1-5_OCC_INTVSO48) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Owner Occupier - I/O - 60 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXIO1-5_OCC_INTVSO60) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Property Investor - P&I - 36 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXINT1-5_INV_PRINSO36) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Property Investor - P&I - 48 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXINT1-5_INV_PRINSO48) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Property Investor - P&I - 60 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXINT1-5_INV_PRINSO60) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Property Investor - I/O - 36 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXIO1-5_INV_INTVSO36) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Property Investor - I/O - 48 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXIO1-5_INV_INTVSO48) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Property Investor - I/O - 60 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXIO1-5_INV_INTVSO60) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Owner Occupier - P&I - 60 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXINT1-5_OCC_PRINSO60) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Owner Occupier - P&I - 48 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXINT1-5_OCC_PRINSO48) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Owner Occupier - P&I - 36 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXINT1-5_OCC_PRINSO36) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Owner Occupier - P&I - 24 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXINT1-5_OCC_PRINSO24) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Owner Occupier - P&I - 12 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXINT1-5_OCC_PRINSO12) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Momentum Home Loan 60LVR - Property Investor - Variable I/O](https://www.cdrcompare.au/brands/unity-bank/products/L23_60LVR_INV_INTOSO12) — Your lifestyle, family or financial situation may have changed since you purchased your property. Our Momentum Home Loan was designed to make refinancing from another financial institution easy. - [Momentum Home Loan 60-80LVR - Property Investor - Variable - P&I](https://www.cdrcompare.au/brands/unity-bank/products/L23_60-80LVR_INV_PRIN) — If you purchased your investment property a few years ago, your lifestyle, family or financial situation may have changed. You might be looking to consolidate your debts, unlock the equity in your pro - [Momentum Home Loan 60-80LVR - Property Investor - Variable - Interest Only](https://www.cdrcompare.au/brands/unity-bank/products/L23_60-80LVR_INV_INTOSO12) — Your lifestyle, family or financial situation may have changed since you purchased your property. Our Momentum Home Loan was designed to make refinancing from another financial institution easy. - [Fixed Rate Home Loan - Property Investor - P&I - 12 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXINT1-5_INV_PRINSO12) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Property Investor - P&I - 24 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXINT1-5_INV_PRINSO24) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Property Investor - I/O - 12 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXIO1-5_INV_INTVSO12) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Property Investor - I/O - 24 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXIO1-5_INV_INTVSO24) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Owner Occupier - I/O - 12 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXIO1-5_OCC_INTVSO12) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Fixed Rate Home Loan - Owner Occupier - I/O - 24 mths](https://www.cdrcompare.au/brands/unity-bank/products/L27_FIXIO1-5_OCC_INTVSO24) — The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. - [Essential Worker Home Loan - Owner Occupier](https://www.cdrcompare.au/brands/unity-bank/products/L35_EW_OCC_PRIN) — A variable rate home loan specifically designed to support essential workers to own their own home. - [Bridging Loan - Investor](https://www.cdrcompare.au/brands/unity-bank/products/L32_IOBRIDG_INV_INTVS012) — This loan helps bridge the gap for up to 12 months, providing the funds you need to buy your new home before your current property is sold. - [Retirees Access Home Loan](https://www.cdrcompare.au/brands/unity-bank/products/L53_RETIREES_ALL_SCHEMES_INTVSO36) — The Retirees Access Home Loan is a reverse mortgage for retirees to borrow against the equity in their home. Balance of the loan is paid by your estate or when the property is vacated or sold. - [Vic Homebuyer Fund](https://www.cdrcompare.au/brands/unity-bank/products/L37_VIC_OO_PRIN) — Our home loan for members in Victoria who meet the eligibility criteria for the Victorian Homebuyer Fund. - [Advantage Home Loan - Owner Occupied - Variable P&I - With Offset](https://www.cdrcompare.au/brands/unity-bank/products/L34_ADVL_OO_PRIN_WO) — A home loan with an offset and the choice of simple and straightforward features with a competitive interest rate. - [Advantage Home Loan- Owner Occupied - Variable - Interest Only - Without Offset](https://www.cdrcompare.au/brands/unity-bank/products/L34_ADVL_OO_IntVs012_WOO) — A home loan with an offset and the choice of simple and straightforward features with a competitive interest rate. - [Advantage Home Loan- Owner Occupied - Variable - Interest Only - With Offset](https://www.cdrcompare.au/brands/unity-bank/products/L34_ADVL_OO_IntVs012_WO) — An interest only home loan with an offset the choice of simple and straightforward features with a competitive interest rate. - [Advantage Home Loan - Owner Occupied - Variable P&I - Without Offset](https://www.cdrcompare.au/brands/unity-bank/products/L34_ADVL_OO_PRIN_WOO) — A home loan with the choice of simple and straightforward features with a competitive interest rate. - [Advantage Home Loan - Investment - Variable P&I - Without Offset](https://www.cdrcompare.au/brands/unity-bank/products/L34_ADVL_INV_PRIN_WOO) — A home loan with the choice of simple and straightforward features with a competitive interest rate. - [Advantage Home Loan - Investment - Variable P&I - With Offset](https://www.cdrcompare.au/brands/unity-bank/products/L34_ADVL_INV_PRIN_WO) — A home loan with an offset and the choice of simple and straightforward features with a competitive interest rate. - [Advantage Home Loan- Investment - Variable - Interest Only - Without Offset](https://www.cdrcompare.au/brands/unity-bank/products/L34_ADVL_INV_IntVs012_WOO) — An interest only home loan with the choice of simple and straightforward features with a competitive interest rate. - [Advantage Home Loan - Investment - Variable - Interest Only - With Offset](https://www.cdrcompare.au/brands/unity-bank/products/L34_ADVL_INV_IntVs012_WO) — An interest only home loan with an offset the choice of simple and straightforward features with a competitive interest rate. - [Bridging Loan - Owner Occupied](https://www.cdrcompare.au/brands/unity-bank/products/L32_IOBRIDG_OCC_INTVS012) — This loan helps bridge the gap for up to 12 months, providing the funds you need to buy your new home before your current property is sold. - [First Home Buyer Loan - Owner Occupied - SO](https://www.cdrcompare.au/brands/unity-bank/products/L31_FHBL_OCC_PRIN) — Our fully featured home loan for first home buyers. - [Australian Government 5% Deposit Scheme](https://www.cdrcompare.au/brands/unity-bank/products/L25_HGS_OO_PRIN) — Our home loan for first home buyers with government assistance. - [Momentum Home Loan 80LVR - Owner Occupier - Variable - P&I SO](https://www.cdrcompare.au/brands/unity-bank/products/L23_80LVR_OCC_PRIN) — If you purchased your home a few years ago, your lifestyle, family or financial situation may have changed. Make your move and refinance with our Momentum Home Loan. - [Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO](https://www.cdrcompare.au/brands/unity-bank/products/L23_60LVR_OCC_PRIN) — If you purchased your home a few years ago, your lifestyle, family or financial situation may have changed. Make your move and refinance with our Momentum Home Loan. - [Momentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SO](https://www.cdrcompare.au/brands/unity-bank/products/L23_60-80LVR_OCC_PRIN) — If you purchased your home a few years ago, your lifestyle, family or financial situation may have changed. Make your move and refinance with our Momentum Home Loan. - [Momentum Home Loan 60LVR - Property Investor - Variable - P&I](https://www.cdrcompare.au/brands/unity-bank/products/L23_60LVR_INV_PRIN) — Your lifestyle, family or financial situation may have changed since you purchased your property. Our Momentum Home Loan was designed to make refinancing from another financial institution easy. ## Credit & Charge Cards (3) Credit and charge cards. - [Platinum Visa Credit Card](https://www.cdrcompare.au/brands/unity-bank/products/S78_PLATINUM_VISA_CREDIT_CARD) — Premium credit card including Qantas Points on eligible purchases and access to concierge services wherever you are in the world - [Business - Low Rate Credit Card](https://www.cdrcompare.au/brands/unity-bank/products/S79_BUSINESS_LOW_RATE_CREDIT_CARD) — Our Business Low Rate Visa Credit Card features one of the lowest ongoing purchase rates in the market. And with up to 50 days interest free and a low annual fee, it all adds up to great value. - [Low Rate Visa Credit Card](https://www.cdrcompare.au/brands/unity-bank/products/S80_LOW_RATE_CREDIT_CARD) — Our award-winning Low Rate Visa Credit Card features one of the lowest ongoing purchase rates in the market. And with up to 50 days interest free and a low annual fee, it all adds up to great value. ## Personal Loans (11) Unsecured and secured personal lending. - [Sapphire Fair Rate Personal Loan Variable P&I](https://www.cdrcompare.au/brands/unity-bank/products/L19_SAPPPFRL_PRIN) — Our Fair Rate Personal Loan can help fund or partially fund holidays and travel, renovations, wedding plans and debt consolidation. The rate is guided by your credit worthiness and borrowing history. - [Ruby Fair Rate Personal Loan Variable P&I](https://www.cdrcompare.au/brands/unity-bank/products/L19_RUBYFRPL_PRIN) — Our Fair Rate Personal Loan can help fund or partially fund holidays and travel, renovations, wedding plans and debt consolidation. The rate is guided by your credit worthiness and borrowing history. - [Opal Fair Rate Personal Loan Variable P&I](https://www.cdrcompare.au/brands/unity-bank/products/L19_OPALFRPL_PRIN) — Our Fair Rate Personal Loan can help fund or partially fund holidays and travel, renovations, wedding plans and debt consolidation. The rate is guided by your credit worthiness and borrowing history. - [Fixed Rate Car Loan P&I <5Y](https://www.cdrcompare.au/brands/unity-bank/products/L17_FIXNEWCAR_12) — Drive away your dream car without breaking the budget with our Fixed Rate Car Loan. Borrow up to $150,000 for a new or used car up to 5 years old, and lock in a fixed interest rate for up to 7 years. - [Fixed Rate Car Loan P&I >5Y](https://www.cdrcompare.au/brands/unity-bank/products/L17_FIXNEWCAR_12_OVER5Y) — Drive away your dream car without breaking the budget with our Fixed Rate Car Loan. Borrow up to $150,000 for a used car over 5 years old, and lock in a fixed interest rate for up to 7 years. - [Community Support Loan](https://www.cdrcompare.au/brands/unity-bank/products/L15_COMMUNITY_SUPPORT_LOAN) — Low-cost emergency loan during or following a challenge or hardship in the workplace or community. - [Green Upgrades Loan (with mortgage)](https://www.cdrcompare.au/brands/unity-bank/products/L72_GREEN_UPGRADES_LOAN_W_MORTGAGE) — A personal loan to help members transition to more affordable and sustainable living - [Green Upgrades Loan](https://www.cdrcompare.au/brands/unity-bank/products/L72_GREEN_UPGRADES_LOAN_WO_MORTGAGE) — A personal loan to help members transition to more affordable and sustainable living - [Green Car Loan](https://www.cdrcompare.au/brands/unity-bank/products/L71_GREEN_CAR_LOAN_PRIN) — A car loan to reward members with a low rate for choosing an eco-friendly, lower emissions car - [Emerald Fair Rate Personal Loan Variable P&I](https://www.cdrcompare.au/brands/unity-bank/products/L19_EMERFRPL_PRIN) — Our Fair Rate Personal Loan can help fund or partially fund holidays and travel, renovations, wedding plans and debt consolidation. The rate is guided by your credit worthiness and borrowing history. - [Diamond Fair Rate Personal Loan Varibale P&I](https://www.cdrcompare.au/brands/unity-bank/products/L19_DIAMFRPL_PRIN) — Our Fair Rate Personal Loan can help to fund or partially fund holidays and travel, renovations, wedding plans and debt consolidation. The rate is guided by your credit worthiness and borrowing histor ## Business Loans (2) Lending for businesses of all sizes. - [Business Equipment Loan](https://www.cdrcompare.au/brands/unity-bank/products/L18_BUSINESS_EQUIPMENT_LOAN) — Get a fixed business loan designed for business customers who need to purchase new or used general everyday business equipment using financed assets as security. - [Business Vehicle Loan](https://www.cdrcompare.au/brands/unity-bank/products/L18_BUSINESS_VEHICLE_LOAN) — Get a fixed business vehicle loan designed for business customers who need to replace, upgrade or purchase a new or used vehicle. ## Data provenance - Data published by Unity Bank under the Consumer Data Right - ABN 72087650637 - CDR Register entry updated: 17 July 2026 - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000182 - Provider Product Reference Data endpoint: https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products --- Source: [CDR Compare](https://www.cdrcompare.au/brands/unity-bank) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider. Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)