---
title: "Term Deposit — Unity Bank"
description: "Term Deposits from Unity Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/unity-bank/products/I30_ALL_TERMS
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-24T14:58:48.000+10:00
---

# Term Deposit — Unity Bank

> Term Deposits from Unity Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Term Deposits · UNITY BANK**

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.

## At a glance

- **Fixed rate:** 5.55% (2 years)

## Apply

Applications are handled by the provider: [Apply at Unity Bank](https://www.unity.bank/forms/general-enquiry-form/#apply)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Fixed · 1 month (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 2.5% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 1 month | at maturity |
| Fixed · 2 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 3% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 2 months | at maturity |
| Fixed · 2 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 2.95% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 2 months | monthly |
| Fixed · 3 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4.95% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 3 months | at maturity |
| Fixed · 3 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4.9% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 3 months | monthly |
| Fixed · 4 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4.05% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 4 months | at maturity |
| Fixed · 4 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 4 months | monthly |
| Fixed · 5 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4.05% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 5 months | at maturity |
| Fixed · 5 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 5 months | monthly |
| Fixed · 6 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 5.15% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 6 months | at maturity |
| Fixed · 6 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 5.1% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 6 months | monthly |
| Fixed · 7 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4.05% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 7 months | at maturity |
| Fixed · 7 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 7 months | monthly |
| Fixed · 8 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4.05% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 8 months | at maturity |
| Fixed · 8 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 8 months | monthly |
| Fixed · 9 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 5.15% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 9 months | at maturity |
| Fixed · 9 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 5.05% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 9 months | monthly |
| Fixed · 10 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4.25% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 10 months | at maturity |
| Fixed · 10 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4.05% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 10 months | monthly |
| Fixed · 11 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4.25% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 11 months | at maturity |
| Fixed · 11 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4.05% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 11 months | monthly |
| Fixed · 1 year (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 5.3% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 12 months | at maturity |
| Fixed · 1 year (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 5.2% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 12 months | monthly |
| Fixed · 13 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 3.7% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 13 months | monthly |
| Fixed · 13 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 3.85% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 13 months | every 12 months |
| Fixed · 18 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 3.7% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 18 months | monthly |
| Fixed · 18 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 3.85% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 18 months | every 12 months |
| Fixed · 2 years (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 5.4% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 24 months | monthly |
| Fixed · 2 years (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 5.55% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 24 months | every 12 months |
| Fixed · 30 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 5.4% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 30 months | monthly |
| Fixed · 30 months (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 5.55% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 30 months | every 12 months |
| Fixed · 3 years (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4.65% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 36 months | monthly |
| Fixed · 3 years (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4.85% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 36 months | every 12 months |
| Fixed · 4 years (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4.05% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 48 months | monthly |
| Fixed · 4 years (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4.25% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 48 months | every 12 months |
| Fixed · 5 years (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4.05% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 60 months | monthly |
| Fixed · 5 years (These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.) | 4.25% | Term Deposit_Tier $1,000–$9,999,999; Term Deposit_Tier 60 months | every 12 months |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| PAPER_STATEMENT_FEE — Charged monthly · A fee charged to cover the cost of producing and sending paper statements | Ongoing | $2.00 |

## Features

- **Notifications** (We'll send you a term deposit renewal notice 2 weeks before it matures, not only as a reminder but to also explain what you can do next.)
- **Backed by the Government Deposit Guarantee for deposits up to $250,000**
- **Automatically rollover your existing Term Deposit at the rate of interest relevant to the new term that you select, or we will re-invest the principal and interest in accordance with the account instructions we received from you when the Term Deposit was established.**
- **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.**
- **Fraud protection** (A range of security features and services provided, including fraud prevention technology and secure banking, to help keep your funds safe.)

## Eligibility

- **Residency status** — PERMANENT RESIDENT (You must be an Australian citizen or permanent resident)
- **Individuals only**

## Constraints

- **Minimum balance** — $1,000.00
- **Opening balance** — $1,000.00

## More information from Unity Bank

- [Overview](https://www.unity.bank/savings/term-deposits/term-deposit/)
- [Terms & conditions](https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/)
- [Eligibility](https://unity.bank/savings/term-deposits/term-deposit/)
- [Fees & pricing](https://www.unity.bank/help/rates-fees/)

## Data provenance

- Published by Unity Bank under the Consumer Data Right
- Product ID: `I30_ALL_TERMS`
- Last updated by the provider: 24 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/unity-bank/I30_ALL_TERMS
- Provider page: https://www.cdrcompare.au/brands/unity-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000182

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/unity-bank/products/I30_ALL_TERMS) — 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.

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