Interest Rates for Accounts

Simply Access Transaction Account

★ Popular account

A simple, but flexible, transaction account suitable for everyday transactions. Open your account online today in minutes.

Interest Rate
$1 or more
interest calculated on daily balances and paid quarterly
Interest Rate
0.01%
Rates Effective From 07/02/2024

Online Saver Savings Account

Manage your savings online and earn higher interest with our Online Saver account.

Interest Rate
flat rate $1 or more
flat interest rate calculated on daily balances and paid monthly.
bonus intro rate*
flat rate + bonus intro rate
Interest Rate
3.45%
Interest Rate
1.45%
Interest Rate
4.90%
Rates Effective From 07/02/2024

Target Bonus Savings Account

Build positive saving habits with our Target Bonus account. Earn a bonus interest rate when you make regular deposits and no withdrawals.

Interest Rate
flat rate $1 or more
flat rate + bonus rate
flat interest rate calculated on daily balances and paid monthly. bonus interest will be applied to all balances if at least one deposit and no withdrawals are made.
Rates Effective From 07/02/2024

Christmas Club Savings Account

Our Christmas Club account is locked from withdrawals between 1 February - 31 October each year, to help you save for the festive season.

Interest Rate
$1 or more
interest calculated on daily balances and paid monthly
Interest Rate
2.00%
Rates Effective From 07/02/2024

Pension Plus Transaction Account

If you are 55 years or older and retired, or receive an Australian government pension, you can choose a Pension Plus account. Get secure access to your money and earn a competitive rate of interest.

Interest Rate
$1 to $50,199
$50,200 or more
Step-up interest calculated on daily balances and paid monthly
Interest Rate
2.50%
Interest Rate
2.55%
Rates Effective From 07/02/2024
Term Deposits

Featured Term Deposit
5.00 % PA
6 month term deposit for $1,000 or more
Discontinued Products
Heritage Bank sometimes discontinues accounts, loans and credit cards by removing them from sale. The interest rates shown on this page are for existing product holders only.
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Our specialists are available to answer any of your questions, so you can choose the product that best suits your needs.

They can also help with internet banking, card management and lots more.  Tap here for live assistance.