Heritage Bank Savings Accounts Rates & Review

Heritage Bank Savings Accounts as of September 2025

Total interest earned below is based on a $20,000 deposit amount over 1 year.

Provider	Base interest rate	Max interest rate	Total interest earned	Introductory Term	Minimum Amount	Maximum Amount	Account Keeping Fees	Min. Monthly Deposit	Min. Opening Deposit	Linked account required	ATM Access	EFTPOS Facility	as ofSeptember 3, 2025

	2.45^%_p.a.	Intro rate for 4 monthsthen 2.45% p.a. 4.00^%_p.a.	^$597	4	^$0	^$99,999	0	0	1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Online Saver
Online Saver More details
	1.70^%_p.a.	1.70^%_p.a.	^$343		^$50,000	^$99,999,999	0		0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Pension Plus
Pension Plus More details
	1.40^%_p.a.	1.40^%_p.a.	^$282		^$1,000	^$99,999,999	0		1000	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Farm Management Deposit
Farm Management Deposit More details
	1.15^%_p.a.	1.15^%_p.a.	^$231		^$0	^$99,999,999	0		10	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Christmas Club
Christmas Club More details
	1.00^%_p.a.	1.00^%_p.a.	^$201		^$0	^$49,999	0		0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Pension Plus
Pension Plus More details
	0.01^%_p.a.	0.01^%_p.a.	^$2		^$0	^$99,999,999	0		100	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Business Cheque
Business Cheque More details
	0.01^%_p.a.	0.01^%_p.a.	^$2		^$0	^$99,999,999	0		1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Simply Access
Simply Access More details
	0.01^%_p.a.	0.01^%_p.a.	^$2		^$0	^$99,999,999	0		1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Club Cheque
Club Cheque More details
	Bonus rate of 3.49%Rate varies on savings amount. 0.01^%_p.a.	3.50^%_p.a.	^$711		^$0	^$99,999,999	0	1	1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Target Bonus
Target Bonus More details

Important Information and Comparison Rate Warning

Latest Heritage Bank News

Heritage Bank

Fixed home loans slide further as NAB, ANZ slash rates

Everyday Banking

Heritage & People's Choice decide on a new name - finally

Heritage Bank

Heritage and People's Choice members agree to merge

Latest Deposit News

Savings Account News

Medium-length term deposits get the juice this week

Compare More Heritage Bank Products

Heritage Bank Home Loan Rates Heritage Bank Car Loan Rates Heritage Bank Personal Loan Rates Heritage Bank Term Deposit Rates

Savings Accounts Comparison & Tools

Bonus Saver Children Savings Account High Interest Savings Accounts Online Savings Accounts Savings Calculator

Savings Accounts Lenders' Interest Rates

Important Information

InfoChoice.com.au provides general information and comparison services to help you make informed financial decisions. We do not cover every product or provider in the market. Our service is free to you because we receive compensation from product providers for sponsored placements, advertisements, and referrals. Importantly, these commercial relationships do not influence our editorial integrity.

Heritage Bank Savings Accounts

Heritage Bank Savings Accounts as of September 2025

Online Saver

Online Saver

Pension Plus

Pension Plus

Farm Management Deposit

Farm Management Deposit

Christmas Club

Christmas Club

Pension Plus

Pension Plus

Business Cheque

Business Cheque

Simply Access

Simply Access

Club Cheque

Club Cheque

Target Bonus

Target Bonus

Latest Heritage Bank News

Fixed home loans slide further as NAB, ANZ slash rates

Heritage & People's Choice decide on a new name - finally

Heritage and People's Choice members agree to merge

Latest Deposit News

What's happening to my savings account after the August RBA cash rate cut?

What's happening to my savings account after the RBA cash rate cut?

What's happening to my savings account after the RBA cash rate cut?

Medium-length term deposits get the juice this week

Compare More Heritage Bank Products

Savings Accounts Comparison & Tools

Savings Accounts Lenders' Interest Rates

Important Information

Editorial Integrity

Advertiser Disclosure

Product Coverage and Sort Order

Comparison Rate Warning and Base Criteria

Monthly Repayment Figures

Related Brands

General Advice Disclosure

Get a better rate