Heartland Bank term deposits
Heartland Bank has one term deposit that BankMate tracks, with 14 options: nine terms from 1 month to 5 years, interest paid at maturity, monthly or annually.
Term deposit · 9 terms
Term Deposit
5.55%p.a. · 1 year
interest at maturity or monthly or annually; from $5,000
4th of 401 12-month deposits
Rates by term and how interest is paid
- At maturity2.10%
- Monthly–
- Annually–
- Terms
- 1 month to 5 years
- Minimum deposit
- $5,000
- Maximum deposit
- No cap published
- To break it early
- 31 days' notice
- 1 month
- 2.10% · #8 of 62 1-month deposits
- 3 months
- 4.95% · #37 of 164 3-month deposits
- 6 months
- 5.45% · #1 of 180 6-month deposits
- 9 months
- 5.40% · #1 of 149 9-month deposits
- 1 year
- 5.55% · #4 of 401 12-month deposits
- 2 years
- 5.25% · #18 of 255 24-month deposits
- 3 years
- 5.15% · #17 of 221 36-month deposits
- 4 years
- 5.25% · #3 of 125 48-month deposits
- 5 years
- 5.35% · #3 of 124 60-month deposits
- Minimum deposit
- $5,000
- Maximum deposit
- No cap published
- Paid
- At maturity or Monthly or Annually
- Compounding
- daily
- Notice
- 31 days' notice
- Before maturity
- To redeem your Term Deposit before maturity, we require written instructions from you requesting the redemption, with a minimum 31-day notice period. … If you break your Term Deposit early, you'll be charged an early break fee and there will be an interest adjustment made. … Contact us if you're experiencing financial hardship as we may allow withdrawal of funds on shorter notice.
- Read from
- Heartland Bank's own site, 28 October 2026
October 20261 change
- 28Wed
- 12-month up 0.0528 days after the RBA rise to 4.60%+0.05
12-month, paid at maturity 5.50 5.55 +0.05 12-month, paid monthly 5.35 5.40 +0.05
September 20262 changes
- 30Wed
- 6 terms up 0.05 to 0.20The day of the RBA rise to 4.60%+0.05 to +0.20
6-month, paid at maturity 5.35 5.45 +0.10 9-month, paid at maturity 5.35 5.40 +0.05 24-month, paid monthly 4.85 5.05 +0.20 24-month, paid annually 5.05 5.25 +0.20 36-month, paid monthly 4.80 4.90 +0.10 36-month, paid annually 5.05 5.15 +0.10 48-month, paid monthly 4.75 4.90 +0.15 48-month, paid annually 5.10 5.25 +0.15 60-month, paid monthly 4.70 4.90 +0.20 60-month, paid annually 5.15 5.35 +0.20
- 23Wed
- 2 terms up 0.05 to 0.10+0.05 to +0.10
6-month, paid at maturity 5.30 5.35 +0.05 12-month, paid at maturity 5.40 5.50 +0.10 12-month, paid monthly 5.25 5.35 +0.10
August 20261 change
- 7Fri
- 3 terms cut 0.05−0.05
6-month, paid at maturity 5.35 5.30 −0.05 9-month, paid at maturity 5.40 5.35 −0.05 12-month, paid at maturity 5.45 5.40 −0.05 12-month, paid monthly 5.30 5.25 −0.05
July 20262 changes
- 23Thu
- 4 terms cut 0.10 to 0.20−0.20 to −0.10
24-month, paid monthly 4.95 4.85 −0.10 24-month, paid annually 5.15 5.05 −0.10 36-month, paid monthly 4.90 4.80 −0.10 36-month, paid annually 5.15 5.05 −0.10 48-month, paid monthly 4.85 4.75 −0.10 48-month, paid annually 5.20 5.10 −0.10 60-month, paid monthly 4.90 4.70 −0.20 60-month, paid annually 5.35 5.15 −0.20
- 16Thu
- 7 terms cut 0.05 to 0.10−0.10 to −0.05
6-month, paid at maturity 5.40 5.35 −0.05 9-month, paid at maturity 5.50 5.40 −0.10 12-month, paid at maturity 5.55 5.45 −0.10 12-month, paid monthly 5.40 5.30 −0.10 24-month, paid monthly 5.05 4.95 −0.10 24-month, paid annually 5.25 5.15 −0.10 36-month, paid monthly 5.00 4.90 −0.10 36-month, paid annually 5.25 5.15 −0.10 48-month, paid monthly 4.90 4.85 −0.05 48-month, paid annually 5.25 5.20 −0.05 60-month, paid monthly 5.00 4.90 −0.10 60-month, paid annually 5.45 5.35 −0.10
June 20262 changes
- 19Fri
- 2 terms up 0.0544 days after the RBA rise to 4.35%+0.05
9-month, paid at maturity 5.45 5.50 +0.05 12-month, paid at maturity 5.50 5.55 +0.05 12-month, paid monthly 5.35 5.40 +0.05
- 5Fri
- 7 terms moved in both directions−0.20 to +0.10
3-month, paid at maturity 4.90 4.95 +0.05 6-month, paid at maturity 5.30 5.40 +0.10 9-month, paid at maturity 5.40 5.45 +0.05 12-month, paid at maturity 5.45 5.50 +0.05 12-month, paid monthly 5.30 5.35 +0.05 24-month, paid monthly 5.25 5.05 −0.20 24-month, paid annually 5.45 5.25 −0.20 36-month, paid monthly 5.20 5.00 −0.20 36-month, paid annually 5.45 5.25 −0.20 48-month, paid monthly 5.10 4.90 −0.20 48-month, paid annually 5.45 5.25 −0.20
A great way to reach your savings goals, with no fees and a competitive interest rate locked in for terms from 31 days to 60 months.
Notes on Heartland Bank term deposits
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As of 1 November 2026, Heartland Bank has one term deposit product tracked by BankMate, over nine terms from 1 month to 5 years. Its highest rate is 5.55% p.a. on the Term Deposit for 1 year, 4th of 401 12-month deposits — a term deposit rate means nothing without its term, so each deposit is ranked only against others of the same term. Its rates last changed on 28 October 2026. From the provider's Consumer Data Right feed, refreshed nightly.