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Compare Savings Accounts
Compare a range of savings account options to find the one that works for you, that’s banking for good.

Personalise your options

Saving purposes:
Key features:
 

Your savings accounts options

Active Saver

Be rewarded for actively saving and leaving your money alone with bonus interest.

Monthly interest*
Up to
%p.a.
Deposit $250 p/mth with no withdrawals
to earn bonus interest
  • Deposit min $250 p/mth
  • Bonus applies to balances up to $500k when you don’t withdraw
  • $0 annual or ongoing account keeping fees
  • Linked to flexible transaction account that offers smartphone pay
Learn more

Apply

Freedom Saver

The freedom to access your money with no deposit or withdrawal restrictions.

Monthly interest*
 
%p.a.
  • No deposit or withdrawal restrictions
  • The higher the balance you save in your account, the higher your interest rate
  • $0 annual or ongoing account keeping fees
  • Linked to flexible transaction account that offers smartphone pay
Learn more

Apply

Easy Saver

Easily access a quick burst of high interest with a 4 month introductory rate.

Monthly interest*
Up to
%p.a.
Deposit $0 p/mth with no withdrawals
to earn bonus interest
  • No deposit or withdrawal restrictions
  • Bonus applies for the first 4 months on balances up to $250k
  • $0 annual or ongoing account keeping fees
  • Linked to flexible transaction account that offers smartphone pay
Learn more

Apply

Kids Saver

Rewarding kids for actively saving and not spending establishing healthy money habits.

Monthly interest*
Up to
%p.a.
Deposit $5 p/mth with no withdrawals
to earn bonus interest
  • Deposit min $5 p/mth
  • Bonus applies to balances up to $20k when you don’t withdraw
  • $0 annual or ongoing account keeping fees
Learn more

How to apply

*The monthly interest estimate above is based on the displayed interest rate, based on the initial deposit amount and any monthly deposit you have inputted, and an assumed 30 day month. It does not take in to account fees and charges. It is based on the information you have provided and is indicative only.

Rates and Fees

Active Saver Freedom Saver Easy Saver
Total variable interest Up to 2.00%1 Up to 1.75%2 Up to 1.90%3
Up to $50,000 0.50% p.a. 0.95% p.a. 1.00% p.a.
$50,001 >$250,000 0.50% p.a. 1.40% p.a. 1.00% p.a.
$250,001 >$500,000 0.50% p.a. 1.65% p.a. 1.00% p.a.
$500,001 >$5M 0.50% p.a. 1.75% p.a. 1.00% p.a.
Bonus Rate 1.50% p.a. (On balances up to $500k) N/A 0.90% p.a. (On balances up to $250k)
Kids Saver
Total variable interest Up to 2.25%4
Up to $20,000 1.25% p.a.
Bonus rate 1.00% p.a. (On balances up to $20k)

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Important information

Fees and charges apply for all transaction, savings and deposit accounts, loans and credit cards which are issued by Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994. Please refer to Terms of Use before applying for any product. Australian Unity Bank Limited is covered by the Australian Government guarantee on deposits, for more information please view our page.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions (including Terms of Use), any Product Disclosure Statement (if applicable) and Financial Services Guide before acquiring any product.

To earn the bonus interest rate, each month you must deposit $250 or more from a linked Australian Unity Transaction Account (deposit excludes any interest earned in the Active Saver account) and not make any withdrawals throughout the month. Balances up to $500k are eligible to earn the bonus interest rate, however any balances above $500k will earn the base variable interest rate only. Interest is calculated daily and paid monthly. Active Saver accounts are required to have a linked Australian Unity Transaction account and all withdrawals must be made via the linked Transaction account. The account is only available to new customers aged 14 or over (16 or over for online applications). Bonus interest rate offer is limited to 1 account per customer. Customers cannot open a new account within 90 days of closure of the same type of Australian Unity savings or transaction account. Refer to Fees and Charges for more details on fees applicable to the Australian Unity Transaction Account and the Active Saver Account.

Ongoing variable interest rate for Freedom Saver is determined by the balance in the Freedom Saver account. The interest rate is applicable to the entire balance in the Freedom Saver account. Interest is calculated daily and paid monthly. Freedom Saver accounts are required to have a linked Australian Unity Transaction account and all withdrawals must be made via the linked Transaction account. Balances up to $5m are eligible to earn interest as outlined by the interest tiering structure applicable to this account. Balances over $5m will not earn interest. Interest is calculated daily and paid monthly. The account is only available to new customers aged 14 or over (16 or over for online applications). Offer is limited to 1 account per customer. Customers cannot open a new account within 90 days of closure of the same type of Australian Unity savings or transaction account. Refer to Fees and Charges for more details on fees applicable to the Australian Unity Transaction Account and the Freedom Saver Account.

Total introductory variable interest rate for Easy Saver includes a base variable interest rate plus a fixed bonus rate. The bonus interest rate is payable for up to 4 months from the account open date, after which the base variable interest rate will apply to the account. Interest is calculated daily and paid monthly. Easy Saver accounts are required to have a linked Australian Unity Transaction account and all withdrawals must be made via the linked Transaction account. Balances up to $250k are eligible to earn the bonus interest rate and any balances above $250k will earn the base variable interest rate. The account is only available to new customers aged 14 or over (16 or over for online applications). Offer is limited to 1 account per customer. Customers cannot open a new account within 90 days of closure of the same type of Australian Unity savings or transaction account. Refer to Fees and Charges for more details on fees applicable to the Australian Unity Transaction Account and the Easy Saver Account.

To earn the bonus interest rate, each month you must deposit $5 or more from any account (deposit excludes any interest earned in the Kids Saver account) and not make any withdrawals throughout the month. Balances up to $20k are eligible to earn the bonus interest rate, however any balances above $20k will earn the base variable interest rate only. Interest is calculated daily and paid monthly. The account is only available to new customers aged younger than 14 years. Bonus interest rate offer is limited to 1 account per customer. Refer to Fees and Charges for more details on fees applicable to the Australian Unity Transaction Account and the Kids Saver Account.