• 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

• 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 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

• 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

• 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

• 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

Important update: From 16 June 2025, we will no longer offer 1, 2, 4, 5, 36, 48, and 60-month term deposit options.

• 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• If a term deposit is withdrawn, in full or in part, within the first 30 days, 0% interest will be applied to the withdrawn portion.
• Where the term deposit is withdrawn, in full or in part, before the maturity date but after the first 30 days, a reduced interest rate will be applied calculated using the advertised rate at the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, less 2%. The applicable interest rate will not reduce below 0%.

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*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.
• 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.

• 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. 

• 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 will apply.