Secure Super Account

The Secure Super Account is a retirement savings account issued by Heritage Bank. If entrusting your life savings to the ups and downs of a traditional super fund scares you a little, switch to the guaranteed security of a Heritage Secure Super account - a special bank account just for super.

With all the tax advantages of a superannuation fund, and the capital-guaranteed security of a term deposit, it’s an extremely safe way to ensure your retirement savings are protected against fluctuations in global financial markets. You’ll also ensure your money earns a healthy return.

With a return permanently set at 0.5% above the RBA cash rate, your money will never again be exposed to the fluctuations of global financial markets. There are no management or account keeping fees and it’s capital guaranteed, so you'll enjoy total peace of mind.

  Options for Applying

If you are an existing Heritage Bank customer

You can apply for the Secure Super Account through online banking. Once you’ve logged in to online banking, look for the application links.

If you are an existing Heritage customer and you’re not registered for online banking, contact us to set up your Secure Super Account.

If you are not an existing Heritage Bank customer

Don’t worry, you can easily become one. Use our online application form to open an account, or contact us to chat to a friendly Heritage Bank superannuation specialist about opening a Secure Super Account today.

  Printable forms

* Home loan comparison rate based on a $150,000 loan over 25 years.  Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999.  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.

Interest rates are on a per annum basis. Rates are correct as stated and subject to change without notice. Rates shown are for new loans and do not apply to switches or internal refinances.

Home Advantage Variable rates include discounts shown from the Standard Variable rate. Home Advantage Living Equity rates include discounts from the Living Equity rate. Discounts are based on total lending in the package. Discount Variable LVR rates are for new lending and include discounts from the Discount Variable Loan Rate.  Discounts are not available in conjunction with any other interest rate discount or special offer. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term. To approved applicants only. Conditions, criteria and fees apply.

Loan to Value Ratio (LVR) is the loan amount divided by the value of your security property (determined by Heritage Bank at assessment), multiplied by 100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a maximum LVR of 80% and Living Equity has a maximum LVR of 80%. Heritage is not accepting any new investment applications until further notice.

This advice has been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs.

Generate a personalised Key Fact Sheet based on your loan amount, term and repayments. This tool is provided to help you compare home loans from Heritage with other financial institutions.