Savings accounts

Let us help you reach your savings goals. If you're looking to put money away for a rainy day, earn bonus interest or save online with flexibility, we have saving account options that may suit you.

What makes our savings accounts better?


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No fees

Pay no monthly fees or transaction fees on all our savings accounts ^

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Grow your savings, your way

Open one savings account or choose a few. Nickname your accounts in Heritage Online

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Set and forget deposits

Stay on track to reach your savings goal by scheduling regular payments in Heritage Online



Our savings accounts - what's the difference?

Target Bonus
1.10 % PA
Bonus interest rate
Build positive saving habits with our Target Bonus account. Earn a bonus interest rate when you make regular deposits and no withdrawals.
Online Saver
1.70 % PA
4 Month Bonus Intro Rate*
Manage your savings online and earn higher interest with our Online Saver account.
Christmas Club 
0.85 % PA
Interest rate
Our Christmas Club account is locked from withdrawals between 1 February - 31 October each year, to help you save for the festive season.
Term Deposit
2.75 % PA
12 month term deposit for $1,000 or more
Lock in your savings for 1 month or up to 5 years with a Term Deposit, and know exactly what your investment is worth ahead of time. 
Research tools
Budget planner
Savings calculator
Term deposit calculator
How to save more money
10 top budgeting tips
Ways to bank with Heritage
Interest rates for accounts
More interest rates

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.