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Savings Accounts

Reach your savings goals faster with Australian Unity

Whether you're saving for your first home or the trip of a lifetime, you'll be rewarded with our award-winning savings accounts.

Active Saver
Up to
2.80%p.a. Variable interest rate11

(incl. 1.60%p.a. additional bonus rate)

Be rewarded for growing your savings with a great rate up to 2.80% p.a. when you deposit at least $250 per month and make no withdrawals. Earn 1.2% if you withdraw or deposit less than $250 per month.

Apply online

Earn a high ongoing variable interest rate of up to 2.80% p.a.11 on balances up to $500k when you deposit $250 each month and do not make any withdrawals during the month.

You need to be 16 years or over
You must be a permanent resident of Australia
Must not have previously held an Australian Unity Active Saver account

Applying is easy and takes less than 5 minutes.

A few things before you start:

  • You need to be 16 years or over
  • You must be a permanent resident of Australia
  • Must not have previously held an Australian Unity Easy Saver account

You may require your:

  • Drivers Licence
  • Australian Passport and
  • Medicare card

Your Active Saver account will be opened within approximately 3 business days. The Visa debit card for your linked Transaction Account will arrive approximately 5-7 business days after successfully completing your application.

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

Apply now
Easy Saver
Up to
2.70%p.a. Introductory variable interest rate8

Make your savings work harder with the Australian Unity Easy Saver account. Earn a high introductory variable interest rate of 2.70% p.a. for 4 months on balances up to $250k. With no deposit or withdrawal restrictions, it's never been easier to save. After the introductory period, you'll switch to our competitive standard variable rate of 1.70% p.a.

Apply online

Earn a high introductory variable interest rate of 2.70% p.a.8 for 4 months on balances up to $250k.

Applying is easy and takes less than 5 minutes.

A few things before you start:

  • You need to be 16 years or over
  • You must be a permanent resident of Australia
  • Must not have previously held an Australian Unity Easy Saver account

You may require your:

  • Drivers Licence
  • Australian Passport and
  • Medicare card

Your Easy Saver account will be opened within approximately 3 business days. The Visa debit card for your linked Transaction Account will arrive approximately 5-7 business days after successfully completing your application.

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

Apply now
Freedom Saver
Up to
2.50%p.a. Variable interest rate12

If you're looking for great returns on your savings but also want the freedom to access your funds when you want, the Australian Unity Freedom Saver account is the choice for you. Earn a great ongoing rate up to 2.50% p.a. with no deposit or withdrawal restrictions plus account keeping fees.

Apply online

Earn a high ongoing variable interest rate12 on balances up to $5 million with no restrictions on deposit or withdrawal.

Ongoing variable interest rate12:

$500,001 - $5 million

2.50%

$250,001 - $500,000

2.40%

$50,001 - $250,000

2.15%

Up to $50,000

1.70%

Applying is easy and takes less than 5 minutes.

A few things before you start:

  • You need to be 16 years or over
  • You must be a permanent resident of Australia
  • Must not have previously held an Australian Unity Easy Saver account

You may require your:

  • Drivers Licence
  • Australian Passport and
  • Medicare card

Your Freedom Saver account will be opened within approximately 3 business days. The Visa debit card for your linked Transaction Account will arrive approximately 5-7 business days after successfully completing your application.

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

Apply now
Australian Unity Banking Home Loan Kickstarter Package
Up to
2.80%p.a. Variable interest rate13

Our Kids Saver account helps you give your child the best possible start to life and teaches them healthy money habits.

With a base interest rate of 1.70% p.a. plus an additional bonus rate of
1.10% p.a. when at least $5 per month is deposited and no withdrawals
made. 13

How to apply

Help your kids earn higher interest on their precious savings to help set them up for the future.

No minimum deposit required

$0 monthly account service fees

Be rewarded with bonus interest each month when you deposit $5 or more per month and make no withdrawals

A Kids Saver is a savings account for children under the age of 12. After applying, your child’s Kids Saver account will be opened within approximately 3 business days.

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

How to apply

Our products

Important information

Lending criteria apply for all loans and credit cards. Please refer to Terms of Use before applying for any product. Australian Unity is covered by the Australian Government guarantee on deposits covering up to $250,000 per person.

8 Total introductory variable interest rate for Easy Saver includes a base variable interest rate of 1.70%p.a. plus a fixed bonus rate of 1.00%p.a. The bonus interest rate is payable for up to 4 months from the account open date, after which the base variable interest rate of 1.70% p.a. will apply to the account. The bonus interest rate will be calculated daily and paid monthly. Australian Unity Easy Saver accounts are required to have a linked Australian Unity Transaction account and all deposits and withdrawals from the Easy Saver account 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 Australian Unity Easy Saver account is 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. All information is correct as at 1 November 2018 and is subject to change.

11 Total ongoing variable interest rate for Active Saver includes a base variable interest rate of 1.20% p.a. plus a variable bonus interest rate of 1.60% p.a. 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. Bonus interest rate is only payable on balances up to $500,000 (for individual and joint account). Only the base variable interest rate applies to balances over $500,000. 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). 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. All information is correct as at 1 November 2018 and is subject to change.

12 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. Australian Unity Freedom Saver accounts are required to have a linked Australian Unity Transaction account and all deposits and withdrawals from the Freedom Saver account must be made via the linked Transaction account. Balances up to $5 million (for individual and joint account holders) are eligible to earn interest as outlined by the interest tiering structure applicable to this account. Balances over $5 million will not earn interest. Interest is calculated daily and paid monthly. The Australian Unity Freedom Saver account is 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. All information is correct as at 1 November 2018 and is subject to change.

13 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 $20,000 are eligible to earn the bonus interest rate, however any balances above $20,000 will earn the variable interest rate only. The account is only available to new customers aged younger than 12 years. Bonus interest rate offer is limited to 1 account per customer.