Heritage Bank Savings Accounts Rates & Review

Heritage Bank Savings Accounts as of July 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 ofJuly 1, 2025

	2.80^%_p.a.	Intro rate for 4 monthsthen 2.80% p.a. 4.35^%_p.a.	^$668	4	^$0	^$99,999,999	0	0	1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Online Saver
Online Saver More details
	1.90^%_p.a.	1.90^%_p.a.	^$383		^$50,000	^$99,999,999	0		0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Pension Plus
Pension Plus More details
	1.75^%_p.a.	1.75^%_p.a.	^$353		^$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
	1.45^%_p.a.	1.45^%_p.a.	^$292		^$0	^$99,999,999	0		10	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Christmas Club
Christmas Club More details
	1.40^%_p.a.	1.40^%_p.a.	^$282		^$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 3.84%Rate varies on savings amount. 0.01^%_p.a.	3.85^%_p.a.	^$784		^$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 Deposit News

Savings Account News

Term deposits make a comeback as leading banks hike rates

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Heritage Bank Savings Accounts

Heritage Bank Savings Accounts as of July 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 Deposit News

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

Term deposits make a comeback as leading banks hike rates

Compare More Heritage Bank Products

Savings Accounts Comparison & Tools

Savings Accounts Lenders' Interest Rates

Important Information

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Comparison Rate Warning and Base Criteria

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