1 live product
Heartland
Best match at selected term
4.93%p.a.
Term Deposit
Pays maturity across a 12-month term.
Term
12 months
Payout
maturity
Min deposit
$5,000
Finding the best rates…
Term Deposits Comparison
Bank One
Heartland
Best available
Up to 4.93% p.a.
Line-up
1 live product
VS
Heartland vs Unity Bank
Compare Heartland and Unity Bank term deposits in March 2026. Heartland offers rates up to 4.93% p.a. across 9 term lengths, while Unity Bank reaches 4.90% p.a. across 19 terms.
Tune The Comparison
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VS
1 live product
Unity Bank
Best match at selected term
4.90%p.a.
Term Deposit
Pays maturity across a 12-month term.
Term
12 months
Payout
maturity
Min deposit
$1,000
Live edge
Heartland currently pays 0.03% more at 12 months, worth about $3 extra on $10,000.
0.03% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Heartland | Unity Bank |
|---|---|---|
| Rate at selected term | 4.93% | 4.90% |
| Best headline rate | 4.93% | 4.90% |
| Minimum deposit | $5,000 | $1,000 |
| Interest payment | maturity | maturity |
| Terms available | 14 | 22 |
All Heartland Products
Every tracked term deposits option from Heartland.
All Unity Bank Products
Every tracked term deposits option from Unity Bank.
Heartland's best term deposit rate is 4.93% p.a. across 14 variants, while Unity Bank offers up to 4.90% p.a. across 22 variants. Heartland pays 0.03% more, earning you an extra $15 on a $50,000 deposit over 12 months.
Heartland offers terms of 1 month, 3 months, 6 months, 9 months, 1 year, 2 years, 3 years, 4 years, 5 years, while Unity Bank covers 1 month, 2 months, 3 months, 4 months, 5 months, 6 months, 7 months, 8 months, 9 months, 10 months, 11 months, 1 year, 1.0833333333333333 years, 1.5 years, 2 years, 2.5 years, 3 years, 4 years, 5 years.
Quick Comparison
| Feature | Heartland | Unity Bank |
|---|---|---|
| Best Rate | 4.93% | 4.90% |
| Min Deposit | $5,000 | $1,000 |
| Terms Available | 9 | 19 |
| Payment Options |
Common Questions
Heartland vs Unity Bank FAQs
Which bank has the better term deposit rate, Heartland or Unity Bank?
Heartland currently offers the higher rate at 4.93% p.a. Compare specific terms and deposit amounts for the most accurate comparison.
What term deposit rates does Heartland offer in 2026?
Heartland's best term deposit rate is 4.93% p.a. They offer 9 different term lengths.
What term deposit rates does Unity Bank offer in 2026?
Unity Bank's best term deposit rate is 4.90% p.a. They offer 19 different term lengths.
How much more interest can I earn with Heartland on a $50,000 term deposit?
At current rates, Heartland pays approximately $15 more per year on a $50,000 deposit, based on their 0.03% rate advantage.