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Interest rates for savings accounts

Simply Access
Balance Interest Rate
$1 - $24,9990.01%
$25,000 - $49,9990.01%
$50,000 + 0.02%
stepup interest rates calculated on daily balances and paid quarterly
Cash Management
Balance Interest Rate
$1 - $9,9990.01%
$10,000 - $49,9990.75%
$50,000 - $249,9991.05%
$250,000 - $499,9991.65%
$500,000 + 1.80%
tiered interest rates calculated on daily balances and paid quarterly
Money Manager
Balance Interest Rate
Working Rate 0.10%
term rates (in addition to working rate)
$1 - $9,9990.10%
$10,000 - $49,9991.15%
$50,000 - $249,9992.05%
$250,000 - $499,9992.20%
$500,000 + 2.35%
working rate calculated on daily balances and paid 3 monthly on the anniversary date. term rates available only on funds remaining in account for 3 months minimum.
Pension Plus
Balance Interest Rate
$1 - $1,9991.00%
$2,000 - $48,0001.50%
$48,001 - $299,9992.50%
$300,000 + 2.50%
stepup interest calculated on daily balances and paid monthly
Online Saver
Balance Interest Rate
$1 - $99,9991.80%
$100,000 - $249,9991.95%
$250,000 - $749,9992.10%
$750,000 + 2.25%
tiered interest rates calculated on daily balances and paid monthly
Target Bonus
Balance Interest Rate
$1 - $4,999nilBonus* 2.00%
$5,000 + 0.20%Bonus* 2.00%
tiered interest rates calculated on minimum monthly balances and paid monthly
* bonus interest will be applied to all balances if at least one deposit and no withdrawals are made
Christmas Club
Balance Interest Rate
All balances 1.00%
interest calculated on daily balances and paid monthly
Community Saver
Balance Interest Rate
$1 - $249,9991.45%
$250,000 - $749,9991.60%
$750,000 + 1.75%
Working Rate 0.10%
tiered interest rates calculated on daily balances and paid monthly.
working rate will be applied if no community group is nominated.
community grant =0.5% p.a.
Secure Super Account
Balance Interest Rate
$1 + 2.00%
Club Cheque
Balance Interest Rate
All balances 0.01%
interest calculated on daily balances and paid 3 monthly
Body Corporate
Balance Interest Rate
Working Rate 0.10%
term rates (in addition to working rate)
$1 - $9,9990.01%
$10,000 - $49,9990.75%
$50,000 - $249,9990.75%
$250,000 - $499,9991.75%
$500,000 + 2.00%
tiered interest rates calculated on daily balances and paid 3 monthly on the anniversary date. term rates available only on funds remaining in account for 3 months minimum.
Farm Management Term Investment (12 Months)
BalanceInterest RateTerm
$1,000 - $800,0002.65%12 months
$1,000 - $800,0002.65%24 months
interest paid - quarterly*, annually, at maturity
*interest paid quarterly - deduct 0.10% from quoted interest rates
Farm Management Account At Call ($1,000 to $49,999)
BalanceInterest Rate
$1,000 - $49,9991.50%
$50,000 - $800,0001.75%
tiered interest rates calculated on daily balances and paid quarterly
Loan Offset
Balance Interest Rate
set-off is equivalent to:
$1 - $4,9991.00%
$5,000 + 1.75%
tiered interest rates calculated on daily balances and set-off applied monthly to qualifying linked heritage loan account
Mortgage Crusher
Balance Interest Rate
full set-off at daily balances applied monthly to qualifying linked heritage loan account

Rates effective from 06 October 2016 and subject to change without notice. All rates are calculated on a per annum (p.a.) basis.

Visa Debit subject to application and approval. Please read the Guide to Heritage Deposit Products (available in branch, by phoning 13 14 22 or here) and consider whether this product is right for you.

* 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.