Heritage Bank term deposits
Heritage Bank has one term deposit that BankMate tracks, with 21 options: 16 terms from 1 month to 5 years, interest paid at maturity, monthly or annually.
Term deposit · 16 terms
Term Deposit
5.45%p.a. · 7 months
interest at maturity or annually or monthly; from $1,000
1st of 92 7-month deposits
Rates by term and how interest is paid
- At maturity4.00%
- Monthly–
- Annually–
- Terms
- 1 month to 5 years
- Minimum deposit
- $1,000
- Maximum deposit
- No cap published
- 1 month
- 2.25% · #4 of 62 1-month deposits
- 2 months
- 3.00% · #5 of 68 2-month deposits
- 3 months
- 4.00% · #89 of 166 3-month deposits
- 4 months
- 4.85% · #17 of 88 4-month deposits
- 5 months
- 4.00% · #30 of 79 5-month deposits
- 6 months
- 5.00% · #52 of 182 6-month deposits
- 7 months
- 5.45% · #1 of 92 7-month deposits
- 8 months
- 4.50% · #16 of 81 8-month deposits
- 9 months
- 5.10% · #29 of 151 9-month deposits
- 10 months
- 4.50% · #14 of 86 10-month deposits
- 1 year
- 5.20% · #78 of 402 12-month deposits
- 2 years
- 5.25% · #12 of 258 24-month deposits
- 3 years
- 5.25% · #7 of 224 36-month deposits
- 4 years
- 5.25% · #3 of 128 48-month deposits
- 5 years
- 5.25% · #11 of 127 60-month deposits
- Minimum deposit
- $1,000
- Maximum deposit
- No cap published
- Paid
- At maturity or Annually or Monthly
- Compounding
- daily
- Before maturity
- Allowed · If you need to withdraw your Term Deposit before it matures you may need to give us 31 days notice.
- Term Deposit9 terms up 0.10 to 0.50mixed
- 7-month 5.35 → 5.45
- 24-month 4.75 → 5.25
- 24-month 4.65 → 5.15
- 36-month 4.75 → 5.25
- 36-month 4.65 → 5.15
- 48-month 4.75 → 5.25
- 48-month 4.65 → 5.15
- 60-month 4.75 → 5.25
- 60-month 4.65 → 5.15
- Term Deposit6 terms up 0.10+0.10
- 3-month 3.90 → 4.00
- 5-month 3.90 → 4.00
- 6-month 4.90 → 5.00
- 7-month 5.25 → 5.35
- 9-month 5.00 → 5.10
- 11-month 4.40 → 4.50
- Term Deposit3 terms moved in both directionsmixed
- 7-month 4.40 → 5.25
- 12-month 5.35 → 5.20
- 12-month 5.25 → 5.10
- Term Deposit2 terms up 0.1023 days after the RBA rise to 4.35%+0.10
- 12-month 5.25 → 5.35
- 12-month 5.15 → 5.25
Tracked since 9 April 2026. Our own corrections of a misread figure aren't shown.
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Notes on Heritage Bank term deposits
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As of 8 October 2026, Heritage Bank has one term deposit product tracked by BankMate, over 16 terms from 1 month to 5 years. Its highest rate is 5.45% p.a. on the Term Deposit for 7 months, 1st of 92 7-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 23 September 2026. From the provider's Consumer Data Right feed, refreshed nightly.