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Savings Interest Rates

See the rate tables below or click the print icon to save or print as a PDF.

Unity Bank Savings Interest Rates as at 7 March 2025  printer icon

Savings Products (Government Guaranteed capped at $250,000 per person)

MoneyMAX Account (S3)

Daily Balance Interest Rate
$1 plus 4.35% p.a.


Bonus Saver Account (S13)

Daily Balance Rate Type Interest Rate
$1 plus Base Rate 0.10% p.a.
Bonus Rate 4.30% p.a.
Total 4.40% p.a.


SMSF Account (S87)

Daily Balance Interest Rate
$0 - $99,999.99 1.25% p.a.
$100,000.00 - $499,999.99 3.90% p.a.
$500,000.00 plus 4.40% p.a.


Pensioner Plus Account (S12)

Daily Balance Interest Rate
$0 to $48,600.00 2.25% p.a.
$48,600.01 plus 3.75% p.a.


Christmas Saver Account (S4)

Daily Balance Interest Rate
$1 plus 0.50% p.a.


Transaction Accounts

Access Account (S1)

Daily Balance Interest Rate
$0 plus   0.00% p.a.


BusiAccess Account (S82)

Daily Balance Interest Rate
$0 plus 0.00% p.a.


Mortgage Offset Account (S23, S25, S31, S34 & S35)

Linked to applicable rate Home Loan. No interest will accrue on this account. The daily balance will be offset against the linked mortgage account prior to interest being calculated on the loan account.

  • 1 Interest is calculated daily and paid monthly. Interest rate applies to account balances over $1.
  • 2 Bonus Saver account pays a base interest rate and subject to eligibility, pays bonus interest rate. Bonus interest will be paid when the following criteria are satisfied: deposit a minimum amount of $100 within the calendar month, and no withdrawals or transfers in the calendar month, and account not closed during the calendar month.
  • 3 Interest is calculated daily on the entire balance at the applicable interest rate and paid monthly.
  • 4 Interest is calculated daily on the portion of the balance in each tier at the applicable interest rate and paid monthly.
  • 5 Interest is calculated on daily balance and paid monthly.

Terms and conditions, fees and charges apply.

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© 2025 G&C Mutual Bank Limited trading as Unity Bank & Reliance Bank ABN 72 087 650 637 | AFSL & Australian Credit Licence 238311​ Any advice or information on this site does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Please review our Disclosure Documents before acquiring any product.

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We acknowledge the Traditional Owners of the lands on which we operate and pay our respects to Elders past and present, and to emerging community leaders. We also acknowledge the important role Aboriginal and Torres Strait Islander peoples continue to play within the communities in which Unity Bank operates and where our team members reside.