Wednesday, February 18, 2026
Members are advised of changes to our fees and charges effective 10 March 2026.
We will be expanding the Consent Fee to cover consent to subdivide, substitute, lease, cross-collateralise or any other matter where we need to reassess the loan in any way. The Consent Fee will remain at $300.
This expansion will result in an increase to the fee associated with security variation (from $200 to $300) and an increase in the fee associated with subdivision (from $250 to $300).
We will be introducing the following new fees:
Re-documentation Fee of $250 for instances where a member requests to Fixed Rate Lock after their loan offer and contract documentation has been provided, but prior to loan settlement.
Foreign Cheque Deposit Fee of $20 for cheques up to $25,000 or $50 for cheques over $25,000.
These changes will take effect on 10 March 2026. If you would like to discuss any of these changes, please contact us.
On Tuesday 3 February 2026, the Reserve Bank of Australia (RBA) announced an increase of 0.25%p.a. to the official cash rate.
Following this, we have reviewed the interest rates applicable to our variable and fixed rate home loans and advise that the rates will increase by up to 0.50%p.a. for new loans effective from 6 February 2026, with increases of up to 0.36%p.a. for existing variable rate mortgage holders effective from 18 March 2026.
Our variable savings rates including Bonus Saver Account will increase by up to 1.75%p.a. effective from 1 March 2026.
Members with a loan account will be advised individually of any change to their interest rate and minimum repayments.
Whilst changes to the RBA cash rate is one of the factors that informs our pricing decisions, there are other factors that we consider such as economic and market conditions, cost to lend and the competitor landscape. This helps us to assess and to continue to offer competitive rates to our members.
If you would like further information on any of our products or services, please review the information on our website or contact us to see how we can help.
The Board of Unity Bank is pleased to announce that following the successful merger of G&C Mutual Bank and Unity Bank in March 2025, the long-planned transition of CEOs took effect this week.
As detailed in the Member Information Document, and an integral part of the merger process, the initial CEO Danny Pavisic was scheduled to step aside after taking on the role in March 2025 and Rosanna Argall has re-assumed the role of CEO (having served as the CEO of G&C Mutual Bank until the merger in March 2025).
The timing of the transition provides for a smooth handover as the bank moves through its annual Board strategic planning cycle and provides an opportunity for Rosanna to continue to enhance on the integration that has already taken place since March 2025, overseen by Danny.
In announcing the transition, Mr. Pavisic, who has been with Unity Bank for 21 years, the last 6 as CEO said, “it has been an honour to lead the bank during the merger process, in particular as the team met the challenge of bringing two highly successful entities together and guaranteeing our collective future.”
Unity Bank Chair, Steve Helmich paid tribute to Mr. Pavisic, noting “the Board is very appreciative of the critical role Danny has played in achieving this merger of equals, and his tireless work in bringing the two organisations together. He hands over to Rosanna with the bank exceptionally well placed to capture the many opportunities that lie ahead”.
Incoming CEO, Rosanna Argall thanked Danny for his leadership and for working harmoniously together to take the first steps in the integration of the two banks. Rosanna also noted that she was ‘looking forward to continuing to engage with our members, our staff and our various partners and stakeholders to ensure the success and sustainability of our organisation for the benefit of everyone well into the future.”
2025 was another highly successful year for Unity Bank. Review our financial summary and see how our Member-first approach has made all the difference. Read Now Download
If you would like to receive a hard copy of the 2025 Annual Report, please give us a call at 1300 36 2000 or send an email request to mail@unitybank.com.au
Unity Bank Limited ACN 087 650 637 (the Company)Notice of 2025 Annual General Meeting
Notice is given that the 66th Annual General Meeting (AGM) of the Company will be held on Tuesday 18 November 2025 at Level 25, 201 Elizabeth Street Sydney NSW 2000, commencing at 3:30pm.
Agenda
Apologies
To receive Unity Bank Limited’s Financial Report, Directors’ Report and Auditor’s Report for the financial year ended 30 June 2025.
By Order of the BoardRosanna Argall Company Secretary01 October 2025
How to Participate in the Virtual Meeting
This year the AGM will be held via Teams meeting with members able to view presenters, ask questions, make comments and vote on resolutions via electronic poll. Given the nature of the virtual meeting we ask that you send your questions in advance of the meeting by emailing returningofficer@unitybank.com.au at least 48 hours prior to the meeting to ensure they can be answered during the meeting. To participate in the virtual meeting follow these steps:
Email your expression of interest to returningofficer@unitybank.com.au by 14 November. You will receive a Teams meeting registration link via return email.
Register using the email link provided by 3pm 15 November. You will then receive your own individual Teams meeting link.
Click on the individual Teams meeting link or phone in using the contact details provided on 18 November at 3:30pm.
Proxy Voting
You can appoint a proxy to attend and vote at the AGM on your behalf. The proxy does not have to be a member of Unity Bank. Alternatively, you can appoint the Chair of the Meeting as your Proxy by completing an Appointment of Proxy Form. An Appointment of Proxy form may be obtained by emailing returningofficer@unitybank.com.au or calling 02 9307 5409. To be valid, your completed Proxy Form must reach the Company no later than 48 hours before the AGM.
If you have any further enquiries with respect to the AGM please contact us at returningofficer@unitybank.com.au before Monday 17 November 2025.
Annual Report
This year’s Annual Report will be made available to all members via our website www.unitybank.com.au at least 21 days prior to the AGM. If you are unable to access our website, please contact our Member Service team on 1300 364 400 to arrange a hard copy.
October 9, 2025: The Regional Banking Investment Alliance (RBIA) has welcomed the newly merged G&C Mutual Bank and Unity Bank to their group advocating for a community service obligation (CSO) to keep regional bank branches open.
The advocacy group recently presented a cost sharing model to the government and Treasury, proposing banks contribute to a fund to help subsidise some of the staff costs in maintaining face-to-face services in regional and remote areas of Australia.
The cost sharing model presented by the alliance of regional banks has gained momentum, including interest from a number of banks outside the group. Unity Bank CEO, Danny Pavisic said the model has potential to make a real difference in regional communities.
“We service members across the country who value the ability to be able to go into one of our service centres and speak to real people, with real advice and real solutions. The cost sharing model proposed by the RBIA allows regional banks a realistic opportunity to not only keep their current face-to-face services but to ensure the ongoing financial inclusion of those living in regional areas”, said Mr Pavisic.
CEO of Queensland Country Bank and RBIA spokesperson, Aaron Newman highlighted the struggle that regional banks can face: “We are passionate about servicing our local communities and keeping the profits local, but it’s really tough when we are competing against giants, who are not doing the same.
“Around 30% of transactions in our banks lead to pass through banking, seriously disadvantaging our ability to compete and expand. We just want the banks who are neglecting the regions to pay their fair share in keeping face-to-face services alive.”
The CSO initiative would be funded by the banking industry via existing financial sector levies and amount to around $153 million, or 0.17% of the total operating income of the major banks.
Under the RBIA proposal, bank branches receiving the CSO contribution would need to meet criteria that the community generally expects from retail branch services, such as cash handing, home loans, transaction accounts, and term deposit management, as well as trained staff to offer advice and support.
The contribution would be directly linked to trained full time employees, ensuring face-to-face services are maintained.
With the inclusion of the G&C Mutual Bank and Unity Bank brands, the RBIA includes member banks across New South Wales, Queensland, Victoria, the Northern Territory, South Australia and Western Australia.
More information can be found at: https://rbialliance.com.au/
