Interest Rates for Accounts

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  • Other Accounts
  • 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 01/08/2021
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 Account within sixty (60) days of membership opening. A Linked Eligible Account means the following account types - Simply Access (S1), Pension Plus (S65)or Business Cheque (S13) Accounts. 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 Bonus Intro Rate is available to each new member for one (1) Online Saver (S26) Account only, and may not be claimed more than once (either as a joint or single account holder). The Bonus Intro Rate is not available to existing members.
Rates Effective From 01/08/2021
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 01/08/2021
Target Bonus
Earn bonus interest when you make regular deposits and no withdrawals with our Target Bonus savings account. Open online today with our Simply Access transaction account.
Christmas Club
Interest Rate
$1 or more
interest calculated on daily balances and paid monthly
Interest Rate
0.45%
Rates Effective From 01/08/2021
Christmas Club 
Help take the stress out of the most expensive time of the year with a Christmas Club savings account, locked between 1 February - 31 October each year.
Pension Plus
Interest Rate
$1 to $50,199
$50,200 or more
Step-up interest calculated on daily balances and paid monthly
Interest Rate
0.30%
Interest Rate
0.40%
Rates Effective From 01/08/2021
Pension Plus pension account
If you are 55 years or older and retired, or receive an Australian government pension, this 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
0.50 % PA
Interest Rate
Term Deposit
A term deposit gives you a fixed interest rate for a nominated time of 1 month to 5 years. This means you’ll know exactly what your investment is worth ahead of time. 
Other Accounts
Interest Rates for Accounts Withdrawn From Sale

If you have an existing Heritage account that was not listed on this page, it may have been withdrawn from sale. You can view the interest rates for accounts withdrawn from sale here.

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