Following the Reserve Bank’s recent decision, we're increasing our existing home, investment and business variable rate loans by 0.25% p.a. from 13 October 2026. Find out more.
We're running scheduled maintenance from 10.00pm Wednesday 14 October to 5.00am Thursday 15 October (AEST). Our Mobile Banking App, Internet Banking and Phone Banking will be unavailable during this time. Learn more.
Heritage sometimes discontinues products by removing them from sale. The interest rates shown below are for existing product holders only.
This product was withdrawn from sale on 16 September 2026.
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| Interest Rate | ||
| Platinum - Purchases | ||
| Platinum - Cash Advances | ||
This product was withdrawn from sale on 16 September 2026.
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| Interest Rate | ||
| Classic - Purchases | ||
| Classic - Cash Advances | ||
This product was withdrawn from sale on 16 September 2026.
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| Interest Rate | ||
| Gold Low Rate - Purchases | ||
| Gold Low Rate - Cash Advances | ||
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| Interest Rate | ||
| $1 to $9,999 | ||
| $10,000 to $49,999 | ||
| $50,000 to $249,999 | ||
| $250,000 or more | ||
| Step-up interest calculated on daily balances and paid monthly | ||
Our Christmas Club Account was removed from sale on 16 September 2025. For the terms and conditions applying to a Christmas Club account, please view our Guide to Heritage Deposit Products.
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| Interest Rate | ||
| $1 or more | ||
| interest calculated on daily balances and paid monthly | ||
Our Club Cheque Account was removed from sale on 16 September 2025. For the terms and conditions applying to a Club Cheque account, please view our Guide to Heritage Deposit Products.
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| Interest Rate | ||
| $1 or more | ||
| interest calculated on daily balances and paid 3 monthly | ||
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| Interest Rate | Comparison Rate | |
| Variable Rate Personal Loan | ||
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|---|---|---|
| Interest Rate | ||
| $1 to $9,999 | ||
| $10,000 to $249,999 | ||
| $250,000 or more | ||
| tiered interest rates calculated on daily balances and paid quarterly | ||
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|---|---|---|
| Interest Rate | ||
| working rate | ||
| term rates (in addition to working rate): | ||
| $1 to $9,999 | ||
| $10,000 to $49,999 | ||
| $50,000 or more | ||
| working rate calculated on daily balances and paid 3 monthly on the anniversary date. term rates available only on funds remaining in account for 3 months minimum. | ||
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|---|---|---|
| Interest Rate | ||
| $1 to $249,999 | ||
| $250,000 to $749,999 | ||
| $750,000 or more | ||
| working rate | ||
| tiered interest rates calculated on daily balances and paid monthly. working rate will be applied if no community group is nominated. community grant = 0.5% p.a. | ||
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|---|---|---|
| Interest Rate | ||
| $1 to $4,999 | ||
| $5,000 or more | ||
| tiered interest rates calculated on daily balances and set-off applied monthly to qualifying linked heritage loan account | ||
View the interest rates for our owner-occupied and investment home loans that have been withdrawn from sale.
View the interest rates for discontinued business loan products.