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With the flooding in north Queensland, particularly across Townsville and Ingham impacting many families in the surrounding communities, we again stand prepared with Unity Bank's Community Support Package to assist you: Community Support Loan​1 Special unsecured personal loan up to $10,0002 Terms up to 10 years and repayment deferred up to 3 months3  Highly competitive personal loan interest rate (currently 5.25% p.a. 4 comparison rate 5.25% p.a. 5) Waived Unity Bank establishment fees and express service6 Deferred home loan repayment Deferred loan repayment option available on qualifying existing and new Unity Bank home loans and home loan refinances3 Member support Practical and tailored assistance to help you and your family get your finances back in shape If you have been impacted by the recent floods, we are ready to assist. Please give us a call on 1300 36 2000. DisclaimerCredit eligibility criteria, terms and conditions, fees and charges apply. All information including interest rate are current as at 30/10/2024 and subject to change. 1. Community Support Loan applications are subject to approval. 2. Up to $5,000 for Members and up to $10,000 for Members who hold a Unity Bank Mortgage. 3. Loan deferment option available at the discretion of the Bank and subject to approval. Interest accrues and is capitalised to the loan throughout the approved loan repayment deferral period. 4. Interest rate shown applies to an unsecured personal loan rate. 5. Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. These rates are for unsecured loans only. WARNING: These Comparison Rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison Rate. Interest rates are on a per annum basis. 6. Other fees and charges may apply and will be specified at the time the loan is approved. Loan deferment option, community support loan and refinance offer available at the discretion of the Bank and subject to approval. Unity Bank Limited ABN 11 087 650 315 AFSL/Australian Credit Licence 240399.

With the recent disputes at QUBE Ports across Australia impacting many families and communities, we stand prepared with Unity Bank's Community Support Package to assist you: Community Support Loan​1 Special unsecured personal loan up to $10,0002 Terms up to 10 years and repayment deferred up to 3 months3  Highly competitive personal loan interest rate (currently 5.25% p.a. 4 comparison rate 5.25% p.a. 5) Waived Unity Bank establishment fees and express service6 Deferred home loan repayment Deferred loan repayment option available on qualifying existing and new Unity Bank home loans and home loan refinances3 Member support Practical and tailored assistance to help you and your family get your finances back in shape If you have been impacted by the recent disputes, we are ready to assist. Please give us a call on 1300 36 2000. DisclaimerCredit eligibility criteria, terms and conditions, fees and charges apply. All information including interest rate are current as at 30/10/2024 and subject to change. 1. Community Support Loan applications are subject to approval. 2. Up to $5,000 for Members and up to $10,000 for Members who hold a Unity Bank Mortgage. 3. Loan deferment option available at the discretion of the Bank and subject to approval. Interest accrues and is capitalised to the loan throughout the approved loan repayment deferral period. 4. Interest rate shown applies to an unsecured personal loan rate. 5. Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. These rates are for unsecured loans only. WARNING: These Comparison Rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison Rate. Interest rates are on a per annum basis. 6. Other fees and charges may apply and will be specified at the time the loan is approved. Loan deferment option, community support loan and refinance offer available at the discretion of the Bank and subject to approval. Unity Bank Limited ABN 11 087 650 315 AFSL/Australian Credit Licence 240399.

While booking time off is exciting, it’s even more important to ensure your plans are legitimate so you don’t end up the victim of a travel scam. "Scammers often lure travellers with discounted travel packages that promise luxurious accommodation, exclusive deals, or free prizes, only for the victim to realise none of it was true," explained COBA’s Acting Chief of Financial Crimes and Cyber Resilience, Martin Latimer. To help ensure your holiday plans go ahead, COBA’s financial crimes team share expert tips on how to identify and avoid travel scams. What is a travel scam? A travel scam entices travellers with cheap flights and accommodation offers, free vacations, or exclusive holiday rentals that promise the holiday of a lifetime. Scammers create fake listings for popular travel destinations that mimic legitimate online travel agencies, often requiring payment upfront or request unusual and unsecured methods of payment that scam victims out of money. Travel scams can take many forms, including: Fake travel websites, booking platforms or rental listings advertised online. Unsolicited calls or emails offering free or heavily discounted luxury vacations. Fraudulent online marketplaces where scammers demand upfront payments for non-existent bookings. “These fake travel deals target victims booking big overseas holidays or short domestic trips, so it’s important to ensure you’re using reputable sites and avoid any requests for suspicious methods of payment,” Martin says. “Once the victim hands their money over to the scammer, they may discover the deal doesn’t exist, the accommodation listing was fake, or – upon arrival at the destination – realise it’s nothing like what was advertised,” he adds. Tips to protect yourself Do your research: Verify the legitimacy of travel websites, agencies, or accommodation listings by reading reviews from other travellers or ask for proof of the agency’s accreditation or certification. Beware of listings with limited photos, vague descriptions, or deals significantly cheaper than market rates. Be sceptical of unsolicited travel offers: Avoid holiday deals that seem too good to be true, especially if they’re unexpected. You may receive emails notifying that you’ve won a free vacation and ask you to click a link to claim the prize – this is likely a scam, especially if you haven’t entered any competition. Use secure payment methods: Avoid transferring money or paying through untraceable methods like gift cards or cryptocurrency. Stay vigilant during travel Remember, travel scams don’t stop once you’re on holiday as scammers can lurk in popular tourist destinations and trick travellers looking to use common services or holiday activities. These can include: Taxi scams. Vehicle hire scams. Wrong or overcharging scams. Credit card skimming. Pickpocketing and theft scams. Visa scams. Fake ticket scams. QR code scams. “Carry my bag” scams. More information on how these scams occur and how you can protect yourself is found at Smartraveller. What to do if you suspect a scam If you encounter a potential scam, report it to ScamWatch.gov.au to help protect others from falling victim. If you’ve been scammed, immediately notify your bank or financial institution. Customer-owned banks are dedicated to safeguarding their customers from scams and fraud. In November 2023, 55 mutual banks and credit unions demonstrated this commitment by joining forces to launch the Scam-Safe Accord with the Australian Banking Association. This industry-wide initiative represents a united front against scammers and reinforces the banking sector’s determination to strengthen consumer protection. Find out more about the Scam-Safe Accord here. 

Your Unity Bank Visa card is giving you new ways to win! Pay with your Unity Bank Visa Card and you could win a trip to the Melbourne Race Weekend. It’s easy: simply use your Unity Bank Visa Card between 13 January, 2025 to 20 February, 2025 and every 10 qualifying transactions will earn an entry. The more transactions, the greater your chance to win.  Prizes include: 1 of 4 Melbourne Race Trips including flights* and 4 nights’ accommodation Or 1 of 16 exclusive merchandise packs So, get tapping and you could be off to the races!   T&Cs apply (visa.com.au/promotions/terms-and-conditions-cuscal-race-weekend.html). AU 18+, Visa debit/credit card holders issued by Participating Financial Institutions (see terms). Ends 20/2/25. 1 Prize p/person (excl SA) *Including $2k flight voucher for flights NSW Authority No. TP/04034. ACT Permit No. TP24/02971. SA Permit No. T24/2262.

Unity Bank had the opportunity to attend the CFMEU SA Picnic Day on the 2 December 2024. Congratulations to our winner Andrew, who attended the conference and entered our competition! Andrew won a Shiraz Red Christmas Shopping Hamper.  We hope you enjoy your prize!! We would also like to thank everyone who attended the event and visited our Unity Bank stall.

Unity Bank had the opportunity to attend the CFMEU MD Picnic Day in Melbourne on the 2 December 2024. Congratulations to our winner the Ofamconi family, who attended the picnic day and entered our competition! The Ofamconi family won a mixed Unity Bank Christmas Hamper.  We hope you enjoy your prize! We would also like to thank everyone who attended the event and visited our Unity Bank stall.