Savings accounts
Let us help you reach your savings goals. If you're looking to put money away for a rainy day, earn bonus interest or save online with flexibility, we have saving account options that may suit you.
About this Rate
What makes our savings accounts better?
No fees
Pay no monthly fees or transaction fees on all our savings accounts ^
Grow your savings, your way
Open one savings account or choose a few. Nickname your accounts in Heritage Online
Set and forget deposits
Stay on track to reach your savings goal by scheduling regular payments in Heritage Online
Our savings accounts - what's the difference?
Target Bonus
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Flat rate + bonus rate
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Build positive saving habits with our Target Bonus account. Earn a bonus interest rate when you make regular deposits and no withdrawals.
Online Saver
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Flat rate + bonus intro rate*
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Manage your savings online with our high interest savings account. New members get a 4 month Bonus Intro Rate* on balances up to $100,000.
Christmas Club
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Interest rate
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Our Christmas Club account is locked from withdrawals between 1 February - 31 October each year, to help you save for the festive season.
Term Deposit
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6 month term deposit for $1,000 or more
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Lock in your savings from 1 month up to 5 years with a higher interest term deposit, and know exactly what your investment is worth ahead of time.
Kids Bank Account
Help establish your child’s spending and saving habits with their very own bank account.
Research tools
Our specialists are available to answer any of your questions, so you can choose the product that best suits your needs.
They can also help with internet banking, card management and lots more. Tap here for live assistance.
Are you an existing Heritage member?
This will determine how best we can help.