Interest Rates for Accounts

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  • Term Deposits
  • Simply Access
  • Online Saver
  • Target Bonus
  • Christmas Club
  • Pension Plus
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Simply Access
Interest Rate
$1 or more
interest calculated on daily balances and paid quarterly
Interest Rate
0.01%
Rates Effective From 01/09/2020
Simply Access Transaction account
Our Simply Access account is just that - a simple, but flexible, transaction account with no monthly fee, a Visa Debit card, free EFTPOS and 24/7 access to your income.
Online Saver
Interest Rate
$1 or more
flat rate interest rate calculated on daily balances and paid monthly.
bonus intro rate (promotional 4 month rate on new accounts up to $100,000)
Bonus intro rate only applies to new members who open an online saver account with a linked eligible Heritage account within 60 days of membership opening. Bonus intro rate begins on the day the online saver account is opened and ceases to apply four (4) months after account opening. The bonus intro rate is a fixed rate in addition to the standard base variable rate and only applies on amounts up to $100,000. The offer is available to a member once only (either as a joint or single account holder).
Rates Effective From 01/09/2020
Online Saver Savings Account
When you add an Online Saver account to your Simply Access transaction account you can manage your savings online and earn higher interest.
Target Bonus
Interest Rate
$1 or more
bonus rate (bonus interest will be applied to all balances if at least one deposit and no withdrawals are made)
flat rate interest rate calculated on daily balances and paid monthly.
Rates Effective From 01/09/2020
Target Bonus
Add a Target Bonus account to your Simply Access transaction account and earn bonus interest when you make regular deposits and no withdrawals.
Christmas Club
Interest Rate
$1 or more
interest calculated on daily balances and paid monthly
Interest Rate
1.00%
Rates Effective From 01/09/2020
Christmas Club
Help take the stress out of the most expensive time of the year with a Christmas Club account.
Pension Plus
Interest Rate
$1 to $50,199
$50,200 or more
Step-up interest calculated on daily balances and paid monthly
Interest Rate
0.40%
Interest Rate
1.05%
Rates Effective From 01/09/2020
Pension Plus pension account
If you are 55 years or older and retired, or in receipt of an Australian government pension, the Pension plus pension account gives you secure access to your money while earning a competitive interest rate.
Term Deposits
12 month Term Deposit for $1,000 or more
1.05 % PA
Interest Rate
Term Deposits
A term deposit gives you a fixed interest rate for a nominated term. This means you’ll know exactly what your investment is worth ahead of time. 
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