{
 "snapshot_at": "2026-10-02T09:51:09Z",
 "brand": "Unity Bank",
 "brand_slug": "unity-bank",
 "product_id": "I30_ALL_TERMS",
 "cdr_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS'",
 "note": "Verbatim copy of the bank's Consumer Data Right product detail response as fetched by Deep Almanac. The live endpoint requires the x-v header shown. snapshot_at is when this version of the record was first fetched; the file is rewritten only when the bank's data changes.",
 "data": {
  "features": [
   {
    "featureType": "NOTIFICATIONS",
    "additionalInfo": "We'll send you a term deposit renewal notice 2 weeks before it matures, not only as a reminder but to also explain what you can do next."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Backed by the Government Deposit Guarantee for deposits up to $250,000"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Automatically rollover your existing Term Deposit at the rate of interest relevant to the new term that you select, or we will re-invest the principal and interest in accordance with the account instructions we received from you when the Term Deposit was established."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Early withdrawal may be allowed at the discretion of the Bank on 31 days' notice. Where funds are withdrawn from a term deposit account prior to maturity, a reduction to the interest rate will be applied dependent on the time left until maturity."
   },
   {
    "featureType": "FRAUD_PROTECTION",
    "additionalInfo": "A range of security features and services provided, including fraud prevention technology and secure banking, to help keep your funds safe."
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1000.00"
   },
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "1000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalValue": "PERMANENT RESIDENT",
    "additionalInfo": "You must be an Australian citizen or permanent resident"
   },
   {
    "eligibilityType": "NATURAL_PERSON"
   }
  ],
  "fees": [
   {
    "name": "PAPER_STATEMENT_FEE",
    "feeType": "PERIODIC",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "2.00"
    },
    "currency": "AUD",
    "additionalValue": "P1M",
    "additionalInfo": "A fee charged to cover the cost of producing and sending paper statements",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.025",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "1",
      "maximumValue": "1",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P1M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.03",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "2",
      "maximumValue": "2",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P2M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0295",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "2",
      "maximumValue": "2",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P2M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0495",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0405",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "4",
      "maximumValue": "4",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P4M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.04",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "4",
      "maximumValue": "4",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P4M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0405",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "5",
      "maximumValue": "5",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P5M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.04",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "5",
      "maximumValue": "5",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P5M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0515",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.051",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0405",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "7",
      "maximumValue": "7",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P7M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.04",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "7",
      "maximumValue": "7",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P7M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0405",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "8",
      "maximumValue": "8",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P8M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.04",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "8",
      "maximumValue": "8",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P8M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0515",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "maximumValue": "9",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P9M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0505",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "maximumValue": "9",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P9M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0425",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "10",
      "maximumValue": "10",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P10M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0405",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "10",
      "maximumValue": "10",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P10M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0425",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "11",
      "maximumValue": "11",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P11M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0405",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "11",
      "maximumValue": "11",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P11M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.053",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.052",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.037",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "13",
      "maximumValue": "13",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P13M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0385",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "13",
      "maximumValue": "13",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P13M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.037",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "18",
      "maximumValue": "18",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P18M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0385",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "18",
      "maximumValue": "18",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P18M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.054",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0555",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.054",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "30",
      "maximumValue": "30",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P30M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0555",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "30",
      "maximumValue": "30",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P30M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0465",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "36",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P36M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0485",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "36",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P36M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0405",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "48",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P48M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0425",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "48",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P48M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0405",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P01M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P60M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0425",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P60M",
    "additionalInfo": "These rates only apply to retail deposits and are offered if the member nominates for interest to be paid monthly.",
    "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
   }
  ],
  "productCategory": "TERM_DEPOSITS",
  "productId": "I30_ALL_TERMS",
  "lastUpdated": "2026-06-24T14:58:48.000+10:00",
  "name": "Term Deposit",
  "description": "With a Term Deposit your money is invested for a fixed period of time with a guaranteed rate of return. Term deposit rates vary depending on the frequency of interest payments and the length of time.",
  "brand": "UBL",
  "brandName": "UNITY BANK",
  "applicationUri": "https://www.unity.bank/forms/general-enquiry-form/#apply",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.unity.bank/savings/term-deposits/term-deposit/",
   "termsUri": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/",
   "eligibilityUri": "https://unity.bank/savings/term-deposits/term-deposit/",
   "feesAndPricingUri": "https://www.unity.bank/help/rates-fees/"
  }
 }
}