Please note that lending products are no longer available to customers and are only accessible to existing customers seeking to make variations.
All banking products are issued by Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994. Australian Unity Bank Limited is wholly owned subsidiary of Australian Unity Limited.
Fees, charges and lending criteria apply. Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.
Before acquiring any product you should read the relevant terms and conditions (including
Terms of Use), any Product Disclosure Statement (if applicable), Financial Services Guide and Credit Guide – available
here.
Australian Unity Bank Limited is covered by the Australian Government guarantee on deposits, for more information please view our
page.
Our Target Market Determinations are available
here.
Information is correct as at 30 September 2025 and is subject to change.
Australian Unity, 271 Spring St, Melbourne, Victoria 3000
1 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 on your daily account balance and credited to your account on the last calendar day of the month. A 'month' commences on the first calendar day of a month and concludes on the last calendar day of the same month. 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 available to new customers aged 16 or over. 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.
2 Ongoing variable interest rate applicable to the Freedom Saver account is determined by the balance in the Freedom Saver account. The variable interest rate is applicable to the entire balance in the Freedom Saver account. The variable interest tiering structure applicable to this account is set out in the Schedule of Interest Rates – Transaction and Savings Accounts. Interest is calculated on your daily account balance and credited to your account on the last calendar day of the month. A 'month' commences on the first calendar day of a month and concludes on the last calendar day of the same month. Freedom Saver accounts are required to have a linked Australian Unity Transaction account and all withdrawals must be made via the linked Transaction account. Interest only applies to balances up to $5M. Funds exceeding a $5M balance do not receive interest. The account is available to new customers aged 16 or over. 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.
4 Qualification for bonus interest rate requires a minimum monthly deposit of $5 (deposit excludes any interest earned in the Kids Saver account) and zero withdrawals throughout the month. Interest only applies to balances up to $20,000. Funds exceeding a $20,000 balance do not receive bonus interest. Interest is calculated daily and paid monthly. Kids Saver Account is only available to new customers aged 14 years and younger. 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.
