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Savings Interest Rates

View the rates Unity Bank offers on savings and transaction accounts.

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

 

MoneyMAX Account (S12)

Balance Interest Rate
$1 and over 4.75% p.a.

Bonus Saver Account (S7)

Balance Interest Rate
$1 and $100,000 Up to 4.50% p.a.

Power-up eSaver Account

Balance Interest Rate
$1 and over Up to 2.90% p.a.

Pensioner Security Account (S8)

Balance Interest Rate
$1 to $45,400 2.86% p.a.
$45,400.01 and over 3.00% p.a.

Access Savings, Budget Savings, Special Purpose Account & Cash Management (S1, S2, S3 & S5)

Balance Interest Rate
$1 and over 0.00% p.a.

Christmas Savings Account (S4)

Balance Interest Rate
$1 and over 1.85% p.a.

Business Accounts

 

My Business/My Country Accounts (S20)

Balance Interest Rate
$1 and over 0.00% p.a.

My GST (S24)

Balance Interest Rate
$1 and over 0.00% p.a.

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  • FAQs

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  • 1 Interest is calculated daily and paid monthly. Interest rate applies to account balances over $1.
  • 2 Eligibility criteria, terms and conditions, fees and charges apply. Bonus interest rate applies to account balances under $100,000 if those accounts have a minimum monthly deposit of $50 and no withdrawals, transfers within the calendar month. Standard interest rate applies to account balances over $100,000, and up to $100,000 if the account does not meet above criteria for bonus interest rate. Example: Member’s bonus saver account balance is $112,413.59 at the end of the month. During the month member has deposited $50 and made no withdrawals. Bonus interest is payable on $100,000 and standard interest is payable on $12,413.59. Interest is calculated daily and paid monthly. Bonus interest rate is currently 4.49% and standard interest rate is currently 0.01%. Rates are subject to change. Personal banking only. Only one bonus saver account can be opened per membership.
  • 3 Interest is calculated daily and paid monthly.
  • 4 Interest is calculated daily and paid quarterly. Special Note: Members over 65 years of age are automatically exempt from paying the Monthly Usage Fee, no application for exemption forms are required.
  • 5 Interest is calculated daily and paid quarterly.
  • 6 Interest is calculated daily and paid quarterly. Withdrawals only available from 1 November to 31 January.

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© 2024 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.

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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.