Companies UniBank in Australia | RateCity

UniBank is a mutual bank established under the name of UniCredit in 1964 to supply financial products and services to those in the tertiary and post-secondary education industry. UniBank offers a range of products and services from credit cards and loans to financial planning. The bank is exclusively for current or retired employees, graduates and post-graduates and current students of an Australian University or family members of members (i.e. shareholders) of the Bank. Additionally, individuals must be citizens or permanent residents of Australia.

UniBank home loans

Fixed Home Loan (Interest Only) 3 Years

Real Time Rating™

1.81 / 5

Advertised Rate

Comparison Rate*

2.34%

Fixed - 3 years

3.90%

No ongoing fees
100% full offset account
Parents can sign as guarantor
Repayments will not change during fixed period

Fixed Investment Loan (Interest Only) 3 Years

Real Time Rating™

1.32 / 5

Advertised Rate

Comparison Rate*

2.49%

Fixed - 3 years

3.94%

No ongoing fees
100% full offset account
Repayments will not change during fixed period

Fixed Home Loan (Principal and Interest) 3 Years

Real Time Rating™

1.39 / 5

Advertised Rate

Comparison Rate*

2.19%

Fixed - 3 years

3.85%

No ongoing fees
100% full offset account
Suitable for low deposits
Parents can sign as guarantor

Fixed Investment Loan (Principal and Interest) 3 Years

Real Time Rating™

1.32 / 5

Advertised Rate

Comparison Rate*

2.34%

Fixed - 3 years

3.88%

No ongoing fees
100% full offset account
Repayments will not change during fixed period

UniBank personal loans

Travel Loan

Advertised Rate

Comparison Rate*

Variable

11.45%

11.60%

No ongoing fees
No early repayment fees
Can apply online
Can apply in branch

All Purpose Personal Loan

Advertised Rate

Comparison Rate*

Variable

13.19%

13.34%

No ongoing fees
No early repayment fees
Can apply online
Can apply in branch

UniBank car loans

Secured New Car Loan

Advertised Rate

Comparison Rate*

8.39%

Variable

8.53%

No application fees
No ongoing fees
No early repayment fees
Can apply online

Unsecured Car Loan

Advertised Rate

Comparison Rate*

9.95%

Variable

10.09%

No application fees
No ongoing fees
No early repayment fees
Can apply online

All Purpose Personal Loan

Advertised Rate

Comparison Rate*

13.19%

Variable

13.34%

No ongoing fees
No early repayment fees
Can apply online
Can apply in branch

UniBank credit cards

UniBank Visa Credit Card

Purchase Rate

7.90%

for 6 months then 11.50%

Annual Fee

$0

Balance Transfers Available
No Annual Fee
Free supplementary cards

UniBank savings accounts

Reward Saver S6

1.10%*

0.10%

*Deposit at least $50 each month and make no withdrawals

Has branch access
Has no ongoing fees
Has no minimum balances

Mighty Saver

1.70%*

0.10%

*Deposit at least $10 a month and make no withdrawals during the month

Has branch access
Has no ongoing fees
Has no minimum balances

Online Savings Account

0.55%

0.55%

Has no ongoing fees
Has no minimum balances

UniBank bank accounts

Bill Paying Account

Account Keeping Fees

$0

Monthly

$0

Over 3,000 rediATMs

Maximum Interest rate

Visa

$0 account keeping fee
Linked Visa debit card
App banking available
Apple Pay, Google Pay, Samsung Pay available

Everyday Direct Account

Account Keeping Fees

$0

Monthly

$0

Over 3,000 rediATMs

Maximum Interest rate

Visa

$0 account keeping fee
Linked Visa debit card
App banking available
Apple Pay, Google Pay, Samsung Pay available

UniBank term deposits

Term Deposit I10

1.25%

p.a for 3 months

$5,000

Next rate increased

1.35%

p.a for 12 months

1.35%

p.a for 12 months

Covered by government guarantee
Interest can be paid to other institution