Following the RBA's announcement of a 0.25% reduction in the cash rate, we have reduced the interest rates applicable to our variable rate residential home and investment home loans by 0.25% effective 1st March. 

Login

View All Term Deposits

Invest in our Term Deposits and take advantage of great returns

Term Deposit Account

Standard Term Deposit is a great way to earn interest on money that you do not need to access on a daily basis. We offer term deposit accounts of 3 to 36 months duration to fit in with your investment requirements.

  • Up to
    4.60 % p.a.
    Interest rate
Apply now Learn more
Features & fees

Kick Starter Term Deposit

Kick Starter Term Deposit is a great way to earn interest on money that you do not need to access on a daily basis for people aged between 0 - 25 years.

  • Up to
    4.10 % p.a.
    Interest rate
Apply now Learn more
Features & fees

Compare our savings accounts

Find out all the key features for our savings products.

Latest news and articles

Stay up to date with our latest savings and budgeting tips to help you along the way.

  • 1 Eligibility criteria, terms and conditions, fees and charges may apply. All information including interest rate is subject to change. Interest shown applies to Standard Term Deposit of 12 months between $1,000 - $300,000. For deposits over $300,000, rates are by negotiation and subject to acceptance. All deposits are accepted at the Bank's discretion. For standard terms that are less than or equal to 12 months, interest is paid at maturity; for terms over 12 months, interest is paid annually and at maturity. For monthly terms, interest is paid every month and at maturity with a reduction of 0.20% from the applicable stated interest rate. Generally, Members are not entitled to withdraw funds until the term matures. We may, in our absolute discretion and consideration of their reason, allow the Member to withdraw funds before the end of the term. If the deposit or any part of it is withdrawn early, an interest rate adjustment will normally apply. Any calculation made by you using the rate calculator is intended as a guide only.
  • 2 Eligibility criteria, terms and conditions, fees and charges may apply. All information including interest rate is subject to change. Interest shown applies to a 6-month term deposit at a minimum deposit of $500. Interest is calculated daily and paid at maturity. Generally, Members are not entitled to withdraw funds until the term matures. We may, in our absolute discretion and consideration of their reason, allow the Member to withdraw funds before the end of the term. If the deposit or any part of it is withdrawn early, an interest rate adjustment will normally apply. Any calculation made by you using the rate calculator is intended as a guide only.

Unity Bank logo

Services

Savings
Home Loans
Business
Insure & Plan

Resources

Latest News
Forms & Applications
Rates & Fees
Calculators

About

Our History
Our Values
Corporate Information
Careers

Support

FAQs
Access Options
Contact Us
Find a Branch

Follow us

© 2025 Unity Bank Limited. | ABN 11 087 650 315 | AFSL/Australian Credit Licence 240399 | BSB 882 000 Reliance Bank is a division of Unity Bank Limited. 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.

Download our Apps

Unity Bank

Apple app store Google play store

Reliance Bank

Apple app store Google play store

Torres straight islander flag  Aboriginal flag
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.