Heartland Bank

As of 18 September 2026, Heartland Bank has 2 products across two of the 8 pillars BankMate tracks: 1 savings account and 1 term deposit. Its highest-placed product is Term Deposit at 5.40% p.a. for 1 year, 12th of 590 12-month deposits. Its rates last moved on 7 August 2026.

Savings accounts· 1 Term deposits· 1

Pillars: 2 of 8; No credit cards, home loans, personal loans…
Products tracked: 2; 1 savings account · 1 term deposit
Highest placed: #12; Term Deposit · of 590 12-month deposits
Last change: 7 Aug 2026; 9 changes on record

What changed

9 changes across 2 pillars since 1 Mar 2026

7 Aug 2026
Term depositsTerm Deposit · 4 terms cut 0.05
- 6-month 5.35 → 5.30
- 9-month 5.40 → 5.35
- 12-month 5.45 → 5.40
- 12-month 5.30 → 5.25
−0.05
23 July 2026
Term depositsTerm Deposit · 8 terms cut 0.10 to 0.20
- 24-month 5.15 → 5.05
- 24-month 4.95 → 4.85
- 36-month 5.15 → 5.05
- 36-month 4.90 → 4.80
- 48-month 5.20 → 5.10
- 48-month 4.85 → 4.75
- 60-month 5.35 → 5.15
- 60-month 4.90 → 4.70
mixed
16 July 2026
Term depositsTerm Deposit · 12 terms cut 0.05 to 0.10
- 6-month 5.40 → 5.35
- 9-month 5.50 → 5.40
- 12-month 5.55 → 5.45
- 12-month 5.40 → 5.30
- 24-month 5.25 → 5.15
- 24-month 5.05 → 4.95
- 36-month 5.25 → 5.15
- 36-month 5.00 → 4.90
- 48-month 5.25 → 5.20
- 48-month 4.90 → 4.85
- 60-month 5.45 → 5.35
- 60-month 5.00 → 4.90
mixed
19 June 2026
Term depositsTerm Deposit · 3 terms up 0.0544 days after the RBA rise to 4.35%
- 9-month 5.45 → 5.50
- 12-month 5.50 → 5.55
- 12-month 5.35 → 5.40
+0.05
5 June 2026
Term depositsTerm Deposit · 11 terms moved in both directions
- 3-month 4.90 → 4.95
- 6-month 5.30 → 5.40
- 9-month 5.40 → 5.45
- 12-month 5.45 → 5.50
- 12-month 5.30 → 5.35
- 24-month 5.45 → 5.25
- 24-month 5.25 → 5.05
- 36-month 5.45 → 5.25
- 36-month 5.20 → 5.00
- 48-month 5.45 → 5.25
- 48-month 5.10 → 4.90
mixed
15 May 2026
Term depositsTerm Deposit · 5 terms moved in both directions
- 3-month 4.80 → 4.90
- 6-month 5.15 → 5.30
- 9-month 5.45 → 5.40
- 12-month 5.55 → 5.45
- 12-month 5.40 → 5.30
mixed

Show 3 earlier changes

23 Apr 2026
Term depositsTerm Deposit · 3 terms up 0.10 to 0.2536 days after the RBA rise to 4.10%
- 9-month 5.20 → 5.45
- 12-month 5.45 → 5.55
- 12-month 5.30 → 5.40
mixed
10 Apr 2026
Term depositsTerm Deposit · 13 terms up 0.0523 days after the RBA rise to 4.10%
- 3-month 4.75 → 4.80
- 6-month 5.10 → 5.15
- 9-month 5.15 → 5.20
- 12-month 5.40 → 5.45
- 12-month 5.25 → 5.30
- 24-month 5.40 → 5.45
- 24-month 5.20 → 5.25
- 36-month 5.40 → 5.45
- 36-month 5.15 → 5.20
- 48-month 5.40 → 5.45
- 48-month 5.05 → 5.10
- 60-month 5.40 → 5.45
- 60-month 4.95 → 5.00
+0.05
14 Mar 2026
Savings accountsMySavings account 4.25 → 4.55Bonus rate 2.75% → 3.05% · 38 days after the RBA rise to 3.85%
+0.30

Savings accounts · 1

Total rate, conditions met · ranked among 94 accounts

MySavings account
Bonus up to $300k
4.55%#72 of 94

Full savings accounts record for Heartland Bank →

Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for Heartland Bank · Compare all savings accounts

Term deposits · 1

Best rate per product, by term · ranked within each term

Term Deposit
interest annually or monthly or quarterly · from $5,000 · 8 terms
3 mo 4.95%6 mo 5.30%9 mo 5.35%1 yr 5.40%2 yr 5.05%3 yr 5.05%5 yr 5.15%4 yr 5.10%
5.40%#12 of 590

Full term deposits record for Heartland Bank →

Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits

Heartland Bank has no credit cards, home loans, personal loans, superannuation, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.

Notes on Heartland Bank

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