Interest rates

Rates are current as at Saturday, 6 June 2026. All rates are subject to change without notice.

Call accounts (paid monthly)

Digital Saver	2.05% p.a.
Cash PIE	2.05% p.a.
Direct Call	1.65% p.a.
Business Call	1.65% p.a.

Savings accounts (paid monthly)

32 day Notice Saver	2.70% p.a.
90 day Notice Saver	2.95% p.a.

Everyday account

YouChoose

0.50% p.a.

Term Deposit and Term PIE interest rates

Term	Interest rate	Interest frequency*	Term PIE available?
1 month	1.80% p.a.	on maturity	No
2 months	1.90% p.a.	on maturity	No
3 months	2.90% p.a.	on maturity	Yes
4 months	3.00% p.a.	3 monthly	Yes
5 months	3.30% p.a.	3 monthly	Yes
6 months	3.50% p.a.	3 monthly	Yes
9 months	3.60% p.a.	3 monthly	Yes
12 months	3.90% p.a.	3 monthly	Yes
15 months	3.90% p.a.	3 monthly	Yes
18 months	4.00% p.a.	3 monthly	Yes
2 years	4.30% p.a.	3 monthly	Yes
3 years	4.50% p.a.	3 monthly	Yes
4 years	4.75% p.a.	3 monthly	Yes
5 years	4.90% p.a.	3 monthly	Yes

*Term PIE is available with quarterly interest only. For standard Term Deposits with terms of 12 months or longer and a minimum deposit of $50,000, interest can be credited directly to a bank account monthly.

Transactional accounts (paid monthly)

YouChoose*
YouChoose	0.50% p.a.
Overdraft rate	10% p.a.

*View our YouChoose rates, fees, and terms here.

Everyday account (personal customers)
Up to $10,000	0.05% p.a.
$10,000 to $49,999	0.10% p.a.
$50,000 to $99,999	0.10% p.a.
$100,000 to $249,999	0.15% p.a.
$250,000 +	0.20% p.a.

Child and Teen - available to Depositors under the age of 21
All deposits	0.50% p.a.

Community - available to clubs, groups and organisations that qualify for non-profit status.
Up to $5,000	0.10% p.a.
$5,000 +	0.50% p.a.

What you need to know about Heartland Deposits

These rates are subject to change without notice. Minimum term deposit investment $1,000. Maximum $5,000,000.

Interest accrues and is payable daily in arrears on the principal amount of any unarranged overdraft on a transactional account or a savings account at Heartland Bank's prevailing interest rate for unarranged overdrafts, currently 26.70% p.a. This interest may be debited by Heartland Bank to the relevant overdrawn account and then immediately forms part of the principal amount of the unarranged overdraft.

For further details about Heartland Deposits see Heartland Bank's Disclosure Statement and Product Fact Sheets that are available under our documents or by calling 0800 85 20 20.

Savings and transactional interest rates apply to the full daily account balance and interest is credited monthly.

What you need to know about the Heartland Term and Cash PIE accounts

For details of the Heartland Term and Cash PIE accounts offer refer to the current Heartland Term and Cash PIE accounts product fact sheet. Call 0800 85 20 20 or click here to obtain a copy.

The minimum investment for a Heartland Term PIE is $1,000. There is no minimum balance to open a Cash PIE account. Rates are subject to change without notice.

The Heartland Term and Cash PIE accounts do not have a credit rating. Heartland Bank has a credit rating of BBB (Outlook Stable) from Fitch Ratings. Heartland Bank's credit rating is only relevant insofar as the Heartland Term and Cash PIE accounts invest in Heartland Bank. For more information on Heartland Bank's credit rating, click here.

The manager of the Heartland Term and Cash PIE accounts is Heartland PIE Fund Limited, a subsidiary of Heartland Bank.

Rates are subject to change. Terms and conditions are available here.