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Unity Bank · Savings account
LiveMoneyMAX
Pays 4.50% p.a. with no bonus conditions as of 17 September 2026. Ranks 74th of 93 savings accounts tracked by BankMate, 0.36 points below the average of 4.86%. The rate last rose on 8 June 2026, 33 days after the RBA raised the cash rate to 4.35%.
4.50%p.a.
No bonus component · bonus up to $250,000 · unlimited withdrawals · variable
Rate over time
Total rate, conditions met- MoneyMAX
- RBA cash rate
- Market average
Position among 93 accounts
By month, end of month- Feb 2026: ranked 42 of 46
- Mar 2026: ranked 65 of 74
- Apr 2026: ranked 70 of 88
- May 2026: ranked 78 of 91
- June 2026: ranked 72 of 91
- July 2026: ranked 74 of 92
- Aug 2026: ranked 74 of 92
- Sept 2026: ranked 74 of 93
Feb 2026
- Top 5%
- Top 10%
- Top 25%
- Lower
Mostly outside the top half of accounts over the last 8 months: from #72 of 91 in June 2026 to #42 of 46 in Feb 2026.
Changes
6 on record since 1 Mar 2026- 4.25 → 4.50Base rate · 33 days after the RBA rise to 4.35%+0.25
- 4.50 → 4.25Base rate−0.25
- 4.25 → 4.50Base rate · 29 days after the RBA rise to 4.35%+0.25
- 4.00 → 4.25Base rate · 15 days after the RBA rise to 4.10%+0.25
- 3.80 → 4.00Base rate · 27 days after the RBA rise to 3.85%+0.20
- 4.00 → 3.80Base rate−0.20
Conditions
Checked each month- Balance range
- $0 - $250,000
On your balance
Saved with your preferences- Interest this year
- —
- Each month
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- Against the average account (4.86%)
- —
Rate by balance
Up to $250k
4.50%Notes from savers
to leave a note.