Interest Rates

Heritage is one of Australia’s largest customer owned banks. Being owned by our customers, not shareholders, means instead of pursuing massive profits, our focus is on putting People first. Learn more about our home loan, personal loan, business loan, credit card and account interest rates below. 


Interest rates for accounts

View all interest rates for our saving and transaction accounts.

Term Deposit
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. 
Home Loans

Home Loan interest rates
Learn more about the interest rates available for new fixed and variable home loans at Heritage.
Existing Heritage home loan switching interest rates 

If you'd like to switch your Heritage loan to a different product, these are the owner-occupied and investment interest rates that apply.

Personal Loans

Compare personal loans
View the interest rates and features of our personal loans and car loan in one place, and compare our personal loans to decide which one may suit you.
Credit Cards

Compare credit cards

View the interest rates and features of our credit cards, and compare our credit cards to decide which one may suit you. 

Business Loans

Business Loan Interest Rates

Whether you're looking for a Line of Credit or a an equipment loan, we have competitive interest rates and products that can help you can grow your business, confidently.

No longer for sale

Discontinued Products
Heritage Bank sometimes discontinues accounts, loans and credit cards by removing them from sale. The interest rates shown on this page are for existing product holders only.