Term Deposit

Unity Bank

CDR official

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.

Lender's product page ↗

Product data

The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.

Rates

Rate	Applies to	Source	Since
3.00%	Fixed · 1 month · $1,000–$9,999,999	CDR	1 Nov 2026
3.20%	Fixed · 2 months · $1,000–$9,999,999	CDR	1 Nov 2026
3.25%	Fixed · 2 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.05%	Fixed · 3 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.10%	Fixed · 3 months · $1,000–$9,999,999	CDR	1 Nov 2026
4.75%	Fixed · 4 months · $1,000–$9,999,999	CDR	1 Nov 2026
4.80%	Fixed · 4 months · $1,000–$9,999,999	CDR	1 Nov 2026
4.75%	Fixed · 5 months · $1,000–$9,999,999	CDR	1 Nov 2026
4.80%	Fixed · 5 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.30%	Fixed · 6 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.35%	Fixed · 6 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.10%	Fixed · 7 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.20%	Fixed · 7 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.10%	Fixed · 8 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.20%	Fixed · 8 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.25%	Fixed · 9 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.35%	Fixed · 9 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.10%	Fixed · 10 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.25%	Fixed · 10 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.10%	Fixed · 11 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.25%	Fixed · 11 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.40%	Fixed · 1 year · $1,000–$9,999,999	CDR	1 Nov 2026
5.50%	Fixed · 1 year · $1,000–$9,999,999	CDR	1 Nov 2026
5.40%	Fixed · 13 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.50%	Fixed · 13 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.40%	Fixed · 18 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.50%	Fixed · 18 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.40%	Fixed · 2 years · $1,000–$9,999,999	CDR	1 Nov 2026
5.55%	Fixed · 2 years · $1,000–$9,999,999	CDR	1 Nov 2026
5.40%	Fixed · 30 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.55%	Fixed · 30 months · $1,000–$9,999,999	CDR	1 Nov 2026
5.05%	Fixed · 3 years · $1,000–$9,999,999	CDR	1 Nov 2026
5.20%	Fixed · 3 years · $1,000–$9,999,999	CDR	1 Nov 2026
5.00%	Fixed · 4 years · $1,000–$9,999,999	CDR	1 Nov 2026
5.20%	Fixed · 4 years · $1,000–$9,999,999	CDR	1 Nov 2026
5.00%	Fixed · 5 years · $1,000–$9,999,999	CDR	1 Nov 2026
5.20%	Fixed · 5 years · $1,000–$9,999,999	CDR	1 Nov 2026

Report an error

Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.

Rate

What's wrong

One sentence (optional)

Leave out names, emails and phone numbers.

Source

CDR officialConsumer Data Right product dataShow where this comes from

Fetched: 1 Nov 2026
URL: https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS
Content hash: sha256 3a82682a09ffc7704e0aa3af55d2bbbd107612bb91cf1b55004154b79fd7cba8
Rule version: mapper@0.1.2

Consumer Data Right product dataev_cdr_3a82682a09ffc770_dcff7e34Show details

Checked: 1 Nov 2026
URL: https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS
Content hash: sha256 3a82682a09ffc7704e0aa3af55d2bbbd107612bb91cf1b55004154b79fd7cba8
Excerpt: —
Rule version: mapper@0.1.2

Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.

Fees

Fee	Type	Amount
PAPER_STATEMENT_FEE	Periodic	$2.00

Features and eligibility

Item	Value	Details
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.
Other		Backed by the Government Deposit Guarantee for deposits up to $250,000
Other		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.
Other		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
Eligibility: natural person
Limit: min balance	1000.00
Limit: opening balance	1000.00

Rate history

Rate	From	To	Rate p.a.
Fixed · 8 months · $1,000–$9,999,999	1 Nov 2026	Current	5.20%
Fixed · 5 months · $1,000–$9,999,999	1 Nov 2026	Current	4.80%
Fixed · 1 year · $1,000–$9,999,999	1 Nov 2026	Current	5.40%
Fixed · 5 years · $1,000–$9,999,999	1 Nov 2026	Current	5.00%
Fixed · 5 months · $1,000–$9,999,999	1 Nov 2026	Current	4.75%
Fixed · 13 months · $1,000–$9,999,999	1 Nov 2026	Current	5.50%
Fixed · 4 years · $1,000–$9,999,999	1 Nov 2026	Current	5.20%
Fixed · 11 months · $1,000–$9,999,999	1 Nov 2026	Current	5.25%
Fixed · 2 months · $1,000–$9,999,999	1 Nov 2026	Current	3.20%
Fixed · 6 months · $1,000–$9,999,999	1 Nov 2026	Current	5.30%
Fixed · 30 months · $1,000–$9,999,999	1 Nov 2026	Current	5.55%
Fixed · 3 months · $1,000–$9,999,999	1 Nov 2026	Current	5.10%
Fixed · 4 years · $1,000–$9,999,999	1 Nov 2026	Current	5.00%
Fixed · 3 years · $1,000–$9,999,999	1 Nov 2026	Current	5.20%
Fixed · 3 months · $1,000–$9,999,999	1 Nov 2026	Current	5.05%
Fixed · 6 months · $1,000–$9,999,999	1 Nov 2026	Current	5.35%
Fixed · 10 months · $1,000–$9,999,999	1 Nov 2026	Current	5.25%
Fixed · 2 years · $1,000–$9,999,999	1 Nov 2026	Current	5.55%
Fixed · 5 years · $1,000–$9,999,999	1 Nov 2026	Current	5.20%
Fixed · 8 months · $1,000–$9,999,999	1 Nov 2026	Current	5.10%
Fixed · 9 months · $1,000–$9,999,999	1 Nov 2026	Current	5.25%
Fixed · 7 months · $1,000–$9,999,999	1 Nov 2026	Current	5.10%
Fixed · 13 months · $1,000–$9,999,999	1 Nov 2026	Current	5.40%
Fixed · 4 months · $1,000–$9,999,999	1 Nov 2026	Current	4.75%
Fixed · 18 months · $1,000–$9,999,999	1 Nov 2026	Current	5.40%
Fixed · 3 years · $1,000–$9,999,999	1 Nov 2026	Current	5.05%
Fixed · 4 months · $1,000–$9,999,999	1 Nov 2026	Current	4.80%
Fixed · 10 months · $1,000–$9,999,999	1 Nov 2026	Current	5.10%
Fixed · 30 months · $1,000–$9,999,999	1 Nov 2026	Current	5.40%
Fixed · 9 months · $1,000–$9,999,999	1 Nov 2026	Current	5.35%
Fixed · 18 months · $1,000–$9,999,999	1 Nov 2026	Current	5.50%
Fixed · 1 year · $1,000–$9,999,999	1 Nov 2026	Current	5.50%
Fixed · 2 years · $1,000–$9,999,999	1 Nov 2026	Current	5.40%
Fixed · 7 months · $1,000–$9,999,999	1 Nov 2026	Current	5.20%
Fixed · 11 months · $1,000–$9,999,999	1 Nov 2026	Current	5.10%
Fixed · 1 month · $1,000–$9,999,999	1 Nov 2026	Current	3.00%
Fixed · 2 months · $1,000–$9,999,999	1 Nov 2026	Current	3.25%

Registered channels

Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.

People registered for this product

No one is registered for this product yet. Lender staff and brokers can join through verification.