Our Brand

At Heritage, People first is more than a tag line. It means focusing on high levels of service, competitive fees and charges, and a culture of passion, courage, integrity and respect.

We're proud of being Australia's largest customer-owned bank, and we're even prouder of our mutual status. It means we don't have shareholders, so when you have a Heritage account, you are one of our owners and can have a voice in how we operate.

Our big difference is that we don't try to maximise the profits we make from our customers to pay shareholders. We retain modest profits to guarantee our financial strength, then return the rest to our customers in many ways. These include fair pricing, competitive fees and charges, flexible products, and more staff to give you higher levels of service. These benefits add up to many millions of dollars each year in additional value that would otherwise be paid to shareholders. 

As a result we have thousands of very satisfied Heritage customers. Independent surveys that measure customer satisfaction with their main bank, building society or credit union, show our customers rate us among the highest in the country.

Heritage is a superior financial services company providing:

  • Industry best service
  • Strong financial results
  • A great place to work 
  • Support for the communities we live and work in

For you, this means:

  • Competitive pricing, fees and charges
  • Flexible products 
  • Great staff with a ‘can do' attitude
  • Simplified processes 
  • Active community engagement
  • Security

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.