RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  
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Example Interest Rates: Home Loan Variable: 5.20% (5.24%*) • Home Loan Fixed: 5.48% (6.24%*) • Fixed: 5.48% (6.24%*) • Variable: 5.20% (5.24%*) • Investment IO: 5.78% (6.81%*) • Investment PI: 5.49% (6.32%*)

  Personal Loan - Premium - UNITY

A discounted premium rate personal loan for eligible Members
Category: Personal Loans  Last Updated January 21, 2024  Effective May 3, 2024

 General Lending Rates

Rates listed below are for a VARIABLE P&I product. Additional Information Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years. These rates are for unsecured loans only. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Interest Rate
12.24% PA
Comparison Rate
12.46%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Redraw
  • Digital Banking
  • Notifications
  • Other Additional Information: Variable and lump sum repayments
  • Other Additional Information: No penalty for early repayment
  • Other Additional Information: Auto repayments from salary or transferred from another account weekly, monthly or fortnightly
  • Other Additional Information: 1 to 7 year periods available

 Product Eligibility

  • Min Age - 18.
  • Residency Status - Australian Citizen Or Permanent Resident.
  • Other Additional Information: As a Customer Owned Bank, customers must become a shareholder of Unity Bank to open an account.
  • Other Additional Information: Credit eligibility criteria, terms and conditions, fees and charges apply.
  • Other Additional Information: Must have an existing home loan, or are an existing home owner, or have an existing Fixed Term Deposit with Unity Bank greater than $20,000.

 Bank Fees and Charges

  • Arrears Management Expense (Event), Amount: 20.00.
  • Copies Of Previous Statements (Event), Amount: 2.50.
  • Default Notice Fee (Event), Amount: 20.00.
  • Frequent Statement Fee (Periodic), Amount: 2.00.
  • Establishment Fee - Personal Loans And Overdrafts (Upfront), Amount: 150.00.

 Limitations & Restrictions (Constraints)

  • Max Limit of 60000.00
  • Min Limit of 500.00

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