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Heartland Bank

Term Deposit

Term Deposit • Personal • Last updated 2 October 2026 • Visit website
Deposit Range: $1,000 - $5,000,000
Term Rate
1 Month 1.80% p.a.
3 Months 2.90% p.a.
6 Months 3.55% p.a.
1 Year 4.05% p.a.
2 Years 4.35% p.a.
3 Years 4.50% p.a.
4 Years 4.75% p.a.
5 Years 4.85% p.a.
Interest Paid: Quarterly, At Maturity

Term PIE

Term Deposit • Personal • Last updated 2 October 2026 • Visit website
Deposit Range: $1,000 - $5,000,000
Term Rate
3 Months 2.90% p.a.
6 Months 3.55% p.a.
1 Year 4.05% p.a.
2 Years 4.35% p.a.
3 Years 4.50% p.a.
4 Years 4.75% p.a.
5 Years 4.85% p.a.

Business Call Account

Savings Account • Business • Last updated 18 September 2026 • Visit website
Balance Range: $1+
Base Rate Bonus Rate Total Rate
1.90% p.a. - 1.90% p.a.

Digital Saver

Savings Account • Personal • Last updated 18 September 2026 • Visit website
Balance Range: $1+
Base Rate Bonus Rate Total Rate
2.40% p.a. - 2.40% p.a.
Interest Calculated: Daily
Interest Paid: Monthly

Direct Call Account

Savings Account • Personal • Last updated 18 September 2026 • Visit website
Balance Range: $1+
Base Rate Bonus Rate Total Rate
1.90% p.a. - 1.90% p.a.
Interest Calculated: Daily
Interest Paid: Monthly

Notice Saver (32 Days)

Savings Account • Personal • Last updated 18 September 2026 • Visit website
Balance Range: $1+
Base Rate Bonus Rate Total Rate
3.05% p.a. - 3.05% p.a.
Interest Calculated: Daily
Interest Paid: Monthly
Conditions: Withdrawals can be made by giving 32 days notice prior to the desired date. The transfer date is automatically set for 32 days later.

Notice Saver (90 Days)

Savings Account • Personal • Last updated 18 September 2026 • Visit website
Balance Range: $1+
Base Rate Bonus Rate Total Rate
3.25% p.a. - 3.25% p.a.
Interest Calculated: Daily
Interest Paid: Monthly
Conditions: Withdrawals can be made by giving 90 days notice prior to the desired date. The transfer date is automatically set for 90 days later.

Cash PIE

Savings Account • Personal • Last updated 18 September 2026 • Visit website
Balance Range: $1,000+
Base Rate Bonus Rate Total Rate
2.40% p.a. - 2.40% p.a.
Interest Calculated: Daily
Interest Paid: Monthly

Reverse Mortgage

Home Loan • Personal • Last updated 29 August 2026 • Visit website
Term Rate
Floating 7.99% p.a.
Conditions: A reverse mortgage for eligible homeowners who want to access part of the equity in their home. Lending criteria, terms, conditions, and fees apply.

Village Access Loan

Home Loan • Personal • Last updated 29 August 2026 • Visit website
Term Rate
Floating 8.69% p.a.
Conditions: Short-term finance for eligible customers who need to move into a retirement village before they sell their current home.