Finty
UniBank

UniBank Term Deposit for Edvest Members

27 termsFixed rate

Take advantage of great returns on our term deposits.

Written byDavid Boyd
Minimum deposit
$1,000
Maximum deposit
$500,000
Terms offered
27

Rate a year, up to

For 365–394 days

Open account

Rates by term

TermAmountInterest paidRate a year
90–119 days$1,000 to $5,000At maturity5.00%
3 months$1,000 to $5,000At maturity5.00%
90–119 days$5,000 to $9,999,999At maturity5.00%
3 months$5,000 to $9,999,999At maturity5.00%
120–149 days$1,000 to $5,000At maturity4.30%
4 months$1,000 to $5,000At maturity4.30%
120–149 days$5,000 to $9,999,999At maturity4.30%
4 months$5,000 to $9,999,999At maturity4.30%
150–179 days$1,000 to $5,000At maturity4.30%
5 months$1,000 to $5,000At maturity4.30%
150–179 days$5,000 to $9,999,999At maturity4.30%
5 months$5,000 to $9,999,999At maturity4.30%
180–209 days$1,000 to $5,000At maturity5.15%
6 months$1,000 to $5,000At maturity5.15%
180–209 days$5,000 to $9,999,999At maturity5.15%
6 months$5,000 to $9,999,999At maturity5.15%
210–239 days$1,000 to $5,000At maturity5.15%
7 months$1,000 to $5,000At maturity5.15%
210–239 days$5,000 to $9,999,999At maturity5.15%
7 months$5,000 to $9,999,999At maturity5.15%
240–269 days$1,000 to $5,000At maturity4.30%
8 months$1,000 to $5,000At maturity4.30%
240–269 days$5,000 to $9,999,999At maturity4.30%
8 months$5,000 to $9,999,999At maturity4.30%
270–299 days$1,000 to $5,000At maturity4.80%
9 months$1,000 to $5,000At maturity4.80%
270–299 days$5,000 to $9,999,999At maturity4.80%
9 months$5,000 to $9,999,999At maturity4.80%
300–329 days$1,000 to $5,000At maturity4.30%
10 months$1,000 to $5,000At maturity4.30%
300–329 days$5,000 to $9,999,999At maturity4.30%
10 months$5,000 to $9,999,999At maturity4.30%
330–364 days$1,000 to $5,000At maturity4.30%
11 months$1,000 to $5,000At maturity4.30%
330–364 days$5,000 to $9,999,999At maturity4.30%
11 months$5,000 to $9,999,999At maturity4.30%
365–394 days$1,000 to $5,000At maturity5.40%
1 year$1,000 to $5,000At maturity5.40%
365–394 days$5,000 to $9,999,999At maturity5.40%
1 year$5,000 to $9,999,999At maturity5.40%
395–544 days$1,000 to $5,000At maturity4.30%
13–17 months$1,000 to $5,000At maturity4.30%
395–544 days$5,000 to $9,999,999At maturity4.30%
13–17 months$5,000 to $9,999,999At maturity4.30%
545–729 days$1,000 to $5,000At maturity4.30%
18–23 months$1,000 to $5,000At maturity4.30%
545–729 days$5,000 to $9,999,999At maturity4.30%
18–23 months$5,000 to $9,999,999At maturity4.30%
730–1094 days$1,000 to $5,000At maturity4.30%
24–35 months$1,000 to $5,000At maturity4.30%
730–1094 days$5,000 to $9,999,999At maturity4.30%
24–35 months$5,000 to $9,999,999At maturity4.30%
3 years$1,000 to $5,000At maturity4.30%
3 years$5,000 to $9,999,999At maturity4.30%

How it compares

Against the other 1 year term deposits we compare. Typical means the middle half of them.

1 year rate

5.40%

A typical 1 year rate is 5.25%.

Minimum deposit

$1,000

A typical minimum is $2,000.

Pros and cons

Pros

  • A higher rate. 5.40% for 1 year, above the typical 5.25%, so your money earns more over the term.
  • Plenty of terms. 14 terms to choose from, so you can match the term to when you'll need the money.

Cons

  • Your money is locked in. Taking it out early usually needs 31 days' notice and earns less interest.

Similar term deposits

Term deposits from other banks that pay a similar rate for the same term.