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  1. Term Deposits

Term Deposits

Enjoy the certainty of interest income

A good bank understands you need a high interest term deposit on the best possible terms. Yours. So you choose the term, you choose when you get paid and pay no fees.

Easy Saver
Up to
With a term deposit you know exactly how much interest you’ll earn. Make a deposit of $5,000 or more, choose a term from 1 month to 5 years, select a range of interest payment options and you’re good to go.
How to apply
How to apply

Flexible terms

Choose from 1 month to 5 years


Choose from a range of interest payment options for terms over 12 months

Fee free

$0 establishment or ongoing fees

Easy tracking

See your term deposit alongside your other Australian Unity accounts in Internet Banking or our mobile banking app

No maximum

There is no limit to how much you can invest as long as it’s above $5,000

Low touch

We’ll let you know when your term is coming to an end and for convenience we’ll automatically roll it over so you don’t have to do a thing.

How much interest could you earn?

Interest Credited


 At Maturity



Half Yearly


 1 Month






 2 Months






 3 Months






 4 Months






 5 Months






 6 Months






 7 Months






 8 Months






 9 Months






 10 Months






 11 Months





 1 Year





 2 Years






 3 Years






 4 Years






 5 Years






Interest rates current as at 26 November 2020 and are subject to change.

Chat with us

Whether it’s understanding terminology, you’re looking to apply or you have a question about your account we can help you with all your banking questions.

Speak with us today

Monday to Friday - 8.30am to 5.30pm AEST

Call 1300 790 740

Have us call you within 1 business day

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Important information

Fees, charges and lending criteria apply and product terms and conditions available on application. Please refer to Terms of Use before applying for any product.

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.

A Term Deposit is a cash investment made with us for a fixed term at an agreed interest rate. If you want to withdraw from your Term Deposit before it matures you’ll need to speak with us. If your withdrawal request is approved you may incur an interest adjustment penalty and administration fee.

Interest paid on maturity for terms less than 12 months. Terms 12 months and above paid 6 monthly or annually except where specified

Please read our Terms and Conditions and Privacy Policy before applying.