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Unity

Term Deposit

Term Deposit • Personal • Last updated 29 August 2026 • Visit website
Deposit Range: $1,000 - $1,500,000
Term Rate
1 Month 1.80% p.a.
3 Months 2.90% p.a.
6 Months 3.45% p.a.
1 Year 3.35% p.a.
2 Years 3.55% p.a.
3 Years 3.55% p.a.
4 Years 3.55% p.a.
5 Years 3.55% p.a.
Interest Paid: At Maturity

Christmas Saver

Savings Account • Personal • Last updated 13 June 2026 • Visit website
Balance Range: $1+
Base Rate Bonus Rate Total Rate
2.25% p.a. - 2.25% p.a.
Interest Calculated: Daily
Interest Paid: Monthly

Everyday Saver

Savings Account • Personal • Last updated 10 July 2026 • Visit website
Balance Range: $1 - $4,999
Base Rate Bonus Rate Total Rate
0.05% p.a. - 0.05% p.a.
Interest Calculated: Daily
Interest Paid: Monthly
Balance Range: $5,000 - $19,999
Base Rate Bonus Rate Total Rate
0.10% p.a. - 0.10% p.a.
Interest Calculated: Daily
Interest Paid: Monthly
Balance Range: $20,000 - $99,999
Base Rate Bonus Rate Total Rate
0.15% p.a. - 0.15% p.a.
Interest Calculated: Daily
Interest Paid: Monthly
Balance Range: $100,000+
Base Rate Bonus Rate Total Rate
0.60% p.a. - 0.60% p.a.
Interest Calculated: Daily
Interest Paid: Monthly

Kids Saver

Savings Account • Personal • Last updated 29 August 2026 • Visit website
Balance Range: $0+
Base Rate Bonus Rate Total Rate
3.25% p.a. - 3.25% p.a.
Interest Calculated: Daily
Interest Paid: Monthly
Conditions: This account is for children aged 0 to 10. A parent or guardian must open the account and provide proof of the relationship.

Online Saver

Savings Account • Personal • Last updated 10 July 2026 • Visit website
Balance Range: $1 - $999
Base Rate Bonus Rate Total Rate
0.00% p.a. - 0.00% p.a.
Interest Calculated: Daily
Interest Paid: Monthly
Balance Range: $1,000 - $19,999
Base Rate Bonus Rate Total Rate
0.20% p.a. - 0.20% p.a.
Interest Calculated: Daily
Interest Paid: Monthly
Balance Range: $20,000+
Base Rate Bonus Rate Total Rate
0.70% p.a. - 0.70% p.a.
Interest Calculated: Daily
Interest Paid: Monthly

Home Loan

Home Loan • Personal • Last updated 4 September 2026 • Visit website
Term Rate
6 Months 5.59% p.a.
1 Year 5.79% p.a.
2 Years 6.09% p.a.

Special Home Loan

Home Loan • Personal • Last updated 4 September 2026 • Visit website
Special Rate
Term Rate
Floating 6.04% p.a.
6 Months 4.79% p.a.
1 Year 4.99% p.a.
2 Years 5.29% p.a.

First Home Buyer Special

Home Loan • Personal • Last updated 29 August 2026 • Visit website
New lending to first-home buyers from $250,000 with minimum 20% equity; also available for Kainga Ora First Home Loans.
Term Rate
1 Year 4.15% p.a.