In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question
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UniBank Term Deposit

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UniBank Term Deposit
Interest rate 12 months interest rate
Up to 4.75% p.a.
Minimum opening deposit
Account keeping fee
Maximum deposit


Lock in a fixed rate on a range of term lengths between 3 months and 3 years for deposits $1000 or more.

The UniBank Term Deposit can be opened with deposits starting from just $1,000 , up to a maximum balance of $499,999. You can choose between a range of term lengths, with special interest rate offers available for different terms.


  • Large range of term lengths available
  • No fees
  • Special rates for select terms
  • Higher rates available for members


  • Must become a member to access higher rates
  • No terms above 3 years available

In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question


Key details

Product Name UniBank Term Deposit
3 month interest rate 3.50%
4 month interest rate 3.50%
6 month interest rate 4.00%
7 month interest rate 4.00%
9 month interest rate 4.05%
12 month interest rate 4.75%
24 month interest rate 4.00%
36 month interest rate 4.00%
Minimum Opening Deposit $1,000
Minimum age requirement 18
Government guarantee Yes


Minimum Age Requirement 18
Joint account availability Yes
Min Deposit $1,000
Available to children Not available for children

Key features

Terms from 3 month to 3 years

You can select how long you'd like to lock your funds away, from as little as 3 months to up to 3 years at a time.

Fixed interest rate

You'll earn a fixed interest rate on the term of your choice for the life of the term. This means the rate won't change for the life of the term, even if the bank changes its advertised rates.

Invest between $1000 and $499,999

You can open a UniBank term deposit with as little as $1000, or up to $499,999.

How to apply

You can easily apply online in a matter of minutes. First, you need to become a member which you can do by completing the online application form and paying a one-off membership fee of $10. You'll also have an Everyday Direct Account opened for you at this time. If you're already a member you can open a term deposit via Internet banking.

To become a member and open an account you'll need to meet the following eligibility criteria, and have the necessary documents handy.


  • You're over 18 years of age
  • You're a permanent Australian resident or Australian citizen

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