Great rates you
can bank on.

You can download our rates and fees guide here.  

Great rates you
can bank on.

You can download our rates and fees guide here.  

Interest rates

Everyday saver
Up to $4,999 1.15% p.a.
$5,000 to $19,999 1.25% p.a.
$20,000 to $99,999 1.45% p.a.
$100,000 and over 2.40% p.a.
  • Maximum deposit $1.5 million per customer
  • Interest rates quoted apply to the whole account balance
  • Interest is calculated on the daily balance and paid monthly
  • Interest rates are indicative only and may be subject to change without notice
Online saver 
$1,000 to $19,999 1.65% p.a.
$20,000 and over 2.65% p.a.
  • Customers must register for internet banking and opt for email statements
  • Maximum deposit $1.5 million per customer
  • Interest rates quoted apply to the whole account balance
  • Interest is calculated on the daily balance and paid monthly
  • Interest rates are indicative only and may be subject to change without notice
Loyalty saver 
Interest 0.35% p.a.*

*Loyalty saver existing accounts only, no new accounts can be opened.

  • Maximum deposit $1.5 million per customer
  • Interest rates quoted apply to the whole account balance
  • Interest rates are indicative only and may be subject to change without notice
Christmas saver 
Interest 5.00% p.a.
  • Maximum deposit $1.5 million per customer
  • Interest rates quoted apply to the whole account balance
  • Interest rates are indicative only and may be subject to change without notice
Kids saver (ages 0-10 yrs)
Interest 5.00% p.a.
  • Maximum deposit $1.5 million per customer
  • Interest rates quoted apply to the whole account balance
  • Interest rates are indicative only and may be subject to change without notice

Everyday
Interest 0.00% p.a.
Everyday unlimited
Interest 0.00% p.a.
Bill pay
Interest 0.00% p.a.
Freedom (ages 11-17yrs)
Interest 0.75% p.a.
  • Maximum deposit $1.5 million per customer
  • Interest rates quoted apply to the whole account balance
  • Freedom account: Interest is calculated on the daily balance and paid monthly
  • Interest rates are indicative only and may be subject to change without notice

Term Interest rate
1 month 2.50% p.a.
2 months 2.50% p.a.
3 months 4.20% p.a.
4 months 4.30% p.a.
5 months 5.00% p.a.
6 months 6.10% p.a.
9 months 6.05% p.a.
12 months 5.85% p.a.
18 months 5.80% p.a.
24 months 5.65% p.a.
36 months 5.30% p.a.
48 months 5.30% p.a.
60 months 5.20% p.a.
  • Interest is calculated on a daily basis
  • Investors are advised of their options prior to maturity
  • Interest can be paid at regular intervals (monthly or quarterly) or on maturity to any account of your choice.
  • Maximum deposit $1.5 million per members
  • Minimum deposit is $1,000 for members and $500 for members under 18 years old
  • These are indicative rates only and may be subject to change without notice
  • If an early withdrawal is approved by Unity, a reduced rate of interest will apply as follows:
    • If a term deposit is withdrawn, in full or in part, within the first 30 days, 0% interest will be applied to the withdrawn portion.
    • Where the term deposit is withdrawn, in full or in part, before the maturity date but after the first 30 days, a reduced interest rate will be applied calculated using the advertised rate at the time the term deposit was opened, for the actual term the money was invested (as determined at our discretion), less 2%. The applicable interest rate will not reduce below 0%.

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Floating  
Floating 8.64% p.a.
Fixed  
6 months 7.25% p.a.
12 months 6.99% p.a.
12 months - special rate* 6.55% p.a.
18 months 6.89% p.a.
24 months 6.79% p.a.
24 months - special rate* 6.45% p.a.

*Offer available for new lending to First Home Buyers from $250,000. Minimum 20% equity required. Offer also available for Kainga Ora First Home Loans. This offer is subject to change and could be withdrawn at any time and without notice

  • Terms and conditions and normal lending criteria will apply.
  • Fixed interest rates from 6.45% p.a. to 7.25% p.a. Floating interest rate of 8.64% p.a. An additional margin of 0.50% - 2.00% p.a. may apply depending on your Loan to Value Ratio (LVR) and property type.
  • Interest rates are indicative only and may be subject to change without notice.
  • T&Cs and responsible lending criteria apply. 

Our interest rates for personal finance loans are priced using a risk matrix that takes into consideration a range of factors including your credit score and affordability. Based on the assessment of your financial information provided we will assign a risk grade and the corresponding interest rate could apply.

 

Secured loan

Unsecured loan

GradeInterest rate p.a.*Interest rate p.a.*
Green A 9.90% 12.90%
Green B 11.90% 14.90%
Blue A 13.90% 16.90%
Blue B 15.90% 18.90%
Yellow A 17.90% 20.90%
Yellow B 19.90% 22.90%
Orange A 21.90% 24.90%

  • These are indicative personal loan rates only and may be subject to change without notice.
  • T&Cs and responsible lending criteria apply.
  • On drawdown a $200 approval fee and other fees will apply. 
Overdraft type Interest rate
Authorised overdraft 19.90% p.a.

Unauthorised overdraft

21.90% p.a.

  • These are indicative rates only and may be subject to change without notice.
  • Authorised overdrafts have a floating interest rate of 19.90% p.a. T&Cs and responsible lending criteria apply.
  • On drawdown, a $75 approval fee and a monthly service fee of $5 will apply.  

To view our fees click here.

Unity shares are secured by a first ranking security of Unity's assets.

The current Credit Risk Statement, Product Disclosure Statement and other disclosure statements are available here or from any of our branches.
Phone: 0800 229 943 
Email: enquiries@unitymoney.co.nz