Interest Rates

Our customers are the most important thing to us and we do everything we can to help them save money. That's why we offer some of the most competitive personal and business interest rates going around.


Compare all Personal Loans
Compare all the rates and features of our Personal Loans in one place.
Compare all Credit Cards

View all features and rates of the credit cards we offer and compare credit card interest rates.

Business Loan Interest Rates

Whether you're looking for a Line of Credit or a an equipment loan, we have competitive rates to help grow your business.


Interest rates for accounts

View a list of all interest rates for our account offering.

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. 
Secure Super Account
A retirement savings account, which offers all the tax advantages of a superannuation fund, with the capital-guaranteed security of a term deposit.

Should I fix my interest rate, or keep it variable?

There are lots of things to consider when buying a house or looking at refinancing and you might be asking yourself, should I fix my home loan or not? We’ve found a great article on the Australian Securities & Investment Commission’s (ASIC) MoneySmart website about just this. Be in-the-know and check it out for yourself now.

What is a comparison rate?

A personal loan or home loan is a big commitment and to ensure you are getting the best deal it is important to understand what different interest rates mean. Many people do not understand the importance of looking at the comparison rate when researching the cost of a home loan or personal loan.

The Australian Securities & Investment Commission (ASIC) understands it is difficult to compare home loans that have different interest rates and fees and this is why credit providers must give a comparison rate when they advertise a rate or a weekly payment for home or personal loans. The comparison rate includes the interest rate or weekly repayment amount, plus most fees and charges.

Interest rates determine the cost of your home or personal loan and what you pay each month – Even the smallest difference in an interest rate can make a big difference to your loan repayments. For more information about our interest rates and products phone our Queensland based Contact Centre on 13 14 22 or drop into your local Heritage Bank branch.

You can find out more information about types of interest rates, including variable, fixed, partially-fixed and introductory rates on the ASIC MoneySmart website.