Fees and charges apply for all transaction, savings and deposit accounts, loans and credit cards which are issued by Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994. Please refer to Terms and Conditions before applying for any product. Australian Unity Bank Limited is covered by the Financial Claims Scheme, which protects depositors through the provision of a guarantee on deposits up to a cap (currently $250,000) per account holder, per authorised deposit-taking institution (ADI). For more information please view our page or the APRA website at www.fcs.gov.au.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant Terms and Conditions, any Product Disclosure Statement (if applicable) and Financial Services Guide before acquiring any product.

The interest estimate above is based on the displayed interest rate. The interest is based on the 'Initial Deposit' and 'Minimum Deposit' amounts you have entered into the above calculator on this website page. For Active Saver and Kids Saver accounts the interest assumes no account withdrawals have been made during any month. The interest is based on the amounts you have entered into the calculator, assumes no account withdrawals have been made during any month and is indicative only.

¹ To earn the bonus interest rate, each month you must deposit $250 or more from a linked Australian Unity Transaction Account (deposit excludes any interest earned in the Active Saver account) and not make any withdrawals throughout the month. Balances up to $500k are eligible to earn the bonus interest rate, however any balances above $500k will earn the base variable interest rate only. Interest is calculated on your daily account balance and credited to your account on the last calendar day of the month. A 'month' commences on the first calendar day of a month and concludes on the last calendar day of the same month. Active Saver accounts are required to have a linked Australian Unity Transaction account and all withdrawals must be made via the linked Transaction account. The account is available to new customers aged 16 or over. Bonus interest rate offer is limited to 1 account per customer. Customers cannot open a new account within 90 days of closure of the same type of Australian Unity savings or transaction account. Refer to Fees and Charges for more details on fees applicable to the Australian Unity Transaction Account and the Active Saver Account.

² The ongoing variable interest rate applicable to the Freedom Saver Account is determined by the value of the balance in the Freedom Saver Account. Balances up to $5,000,000.00 are eligible to earn interest as outlined by the interest tiering structure set out in the Schedule of Interest Rates – Transaction and Savings Accounts. When your balance increases to the next interest rate tier you will receive the interest rate for that tier on the entire balance of your Freedom Saver Account. Interest is calculated daily and paid monthly. Balances over $5,000,000.00 will not earn interest. Freedom Saver Accounts are required to have a linked Australian Unity Transaction Account and all withdrawals must be made via the linked Transaction Account. The Freedom Saver Account is only available to new customers aged 16 or over. Offer is limited to 1 Account per customer. Customers cannot open a new Account within 90 days of closure of the same type of Australian Unity savings or transaction Account. Refer to the Schedule of Interest Rates – Transaction and Savings Accounts booklet for more details on fees applicable to the Australian Unity Bank Transaction Account and Freedom Saver Account. Interest rates are subject to change at Australian Unity Bank’s discretion and in accordance with the relevant notice period prescribed within the ‘Australian Unity Bank Transaction, Savings and Investment Products Terms and Conditions’.

³ The total interest rate for the Easy Saver Plus Account includes a variable interest base rate and a fixed interest bonus rate, subject to the following conditions. The fixed interest bonus rate is payable for up to 4 months from the account open date, after which the variable interest base rate will apply to the Account. The fixed interest bonus rate is an interest rate calculated on the balance of an Easy Saver Plus Account on top of the variable interest base rate. The fixed interest bonus rate is limited to one account per customer, including where a customer holds an Easy Saver Plus Account jointly with another customer.  The fixed interest bonus rate is offered as a once-off 4 month introductory offer. The Easy Saver Plus Account is only available for customers who have never held an Easy Saver Plus Account before. Customers must be aged 16 or over to open an Easy Saver Plus Account. Easy Saver Plus Accounts are required to have a linked Australian Unity Transaction account and all withdrawals must be made via the linked Transaction Account. Interest is calculated on the daily Account balance and credited to the Account monthly (on the last calendar day of the month). A ‘month’ commences on the first calendar day of a month and concludes on the last calendar day of the same month. Refer to the Schedule of Fees, Charges and Transaction Limits booklet for more details on fees applicable to the Australian Unity Transaction Account and the Easy Saver Plus Account.

⁴ To earn the bonus interest rate, each month you must deposit $5 or more from any account (deposit excludes any interest earned in the Kids Saver account) and not make any withdrawals throughout the month. Balances up to $20k are eligible to earn the bonus interest rate, however any balances above $20k will earn the base variable interest rate only. Interest is calculated on your daily account balance and credited to your account on the last calendar day of the month. A 'month' commences on the first calendar day of a month and concludes on the last calendar day of the same month. The account is only available to new customers aged younger than 14 years. Bonus interest rate offer is limited to 1 account per customer. Refer to Fees and Charges for more details on fees applicable to the Australian Unity Transaction Account and the Kids Saver Account.

Information is correct as of 4 June 2025 and is subject to change. Australian Unity reserves the right to offer rates, fees and charges that differ from those currently promoted on website or advertised.