| Simply Access |
|---|
|
Balance
| Interest Rate |
|---|
| $1 - $24,999 | 0.05% |
| $25,000 - $49,999 | 0.10% |
| $50,000 +
| 0.15% |
| Stepup interest rates calculated on daily balances and paid quarterly |
| Cash Management |
|---|
|
Balance
| Interest Rate |
|---|
| $1 - $9,999 | 0.10% |
| $10,000 - $49,999 | 1.50% |
| $50,000 - $249,999 | 2.50% |
| $250,000 - $499,999 | 3.90% |
| $500,000 +
| 4.05% |
| Tiered interest rates calculated on daily balances and paid quarterly |
| Money Manager |
|---|
|
Balance
| Interest Rate |
|---|
| Working Rate
| 0.10% |
| Term rates (in addition to working rate) |
| $1 - $9,999 | 0.10% |
| $10,000 - $49,999 | 2.00% |
| $50,000 - $249,999 | 3.50% |
| $250,000 - $499,999 | 4.50% |
| $500,000 +
| 5.00% |
| Tiered interest rates 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. |
| Pension Plus |
|---|
|
Balance
| Interest Rate |
|---|
| $1 - $1,999 | 1.50% |
| $2,000 - $44,600 | 3.00% |
| $44,601 +
| 4.50% |
| Stepup interest calculated on daily balances and paid monthly |
| Online Saver |
|---|
|
Balance
| Interest Rate |
|---|
| $1 - $99,999 | 3.90% |
| $100,000 - $249,999 | 4.25% |
| $250,000 - $749,999 | 4.50% |
| $750,000 +
| 4.75% |
| Tiered interest rates calculated on daily balances and paid monthly |
| Target Bonus |
|---|
|
Balance
| Interest Rate |
|---|
| $1 - $4,999 | Nil |
| $5,000 +
| 0.50% |
| Bonus
| 2.50% |
Tiered interest rates calculated on minimum monthly balances and paid monthly
* Bonus interest will be applied to all balances if at least one deposit and no withdrawals are made |
| Christmas Club |
|---|
|
Balance
| Interest Rate |
|---|
| All balances
| 1.00% |
| Interest calculated on daily balances and paid monthly |
| Community Saver |
|---|
|
Balance
| Interest Rate |
|---|
| $1 - $249,999 | 3.25% |
| $250,000 - $749,999 | 3.50% |
| $750,000 +
| 3.75% |
| Working Rate
| 0.10% |
Tiered interest rates calculated on daily balances and paid monthly.
Working rate will be applied if no Community Group is nominated.
Community grant = 1% p.a. |
| Club Cheque |
|---|
|
Balance
| Interest Rate |
|---|
| All balances
| 0.05% |
| Interest calculated on daily balances and paid 3 monthly |
| Body Corporate |
|---|
|
Balance
| Interest Rate |
|---|
| Working Rate
| 0.15% |
| Term rates (in addition to working rate) |
| $1 - $9,999 | 0.10% |
| $10,000 - $49,999 | 1.75% |
| $50,000 - $249,999 | 2.85% |
| $250,000 - $499,999 | 4.10% |
| $500,000 +
| 4.30% |
| Tiered interest rates 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. |
| Farm Management Term Investment (I70) |
|---|
| Balance | Interest Rate | Term |
|---|
| $1,000 - $400,000 | 5.55% | 12 months |
| $1,000 - $400,000 | 5.10% | 24 months |
Interest paid - quarterly*, annually, at maturity
*Interest paid quarterly - deduct 0.10% from quoted interest rates |
| Farm Management Account At Call (S70) |
|---|
| Balance | Interest Rate |
|---|
| $1,000 - $49,999 | 3.75% |
| $50,000 +
| 4.00% |
| Tiered interest rates calculated on daily balances and paid quarterly |
| Loan Offset |
|---|
|
Balance
| Interest Rate |
|---|
| Set-off is equivalent to: |
| $1 - $4,999 | 1.00% |
| $5,000 +
| 2.00% |
| Tiered interest rates calculated on daily balances and set-off applied monthly to qualifying linked Heritage loan account |
| Mortgage Crusher |
|---|
|
Balance
| Interest Rate |
|---|
| Full set-off at daily balances applied monthly to qualifying linked Heritage loan account |
Rates effective from 11 May 2012 and subject to change without notice. All rates are calculated on a per annum (p.a.) basis.
Visa Debit subject to application and approval.
Please read the Guide to Heritage Deposit Products (available in branch, by phoning 13 14 22 or here) and consider whether this product is right for you.