Heartland
Every product Heartland publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 7 Nov 2026.
- Australian credit licence and AFS licence 245606, held by Heartland Bank Australia Limited; credit licence since 30 November 2010. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
6 products in 2 categories
Heartland's rates today
Heartland's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where Heartland sits among every institution's best
| Rate | Heartland | Best anywhere | Typical institution |
|---|---|---|---|
| Savings accountBase plus any bonus, when its conditions are met | 1.50%MySavings account | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.62%Broker Term Deposit | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Business 12-month term depositBest rate for a 12-month term | 5.62%Broker Term Deposit - Business | 5.70%AMP Bank GO 12 Month Business Term Deposit | 5.30%of 17 institutions |
Heartland savings and transaction account rates
Compare across banks2 products
Its highest savings rate is 1.50%, on its MySavings account: 66th highest of 84 institutions.
Heartland term deposit rates
Compare across banks4 products
Its highest 12-month term deposit rate is 5.62%, on its Broker Term Deposit: 3rd highest of 65 institutions.
| Rate | Heartland | Best anywhere | Typical institution |
|---|---|---|---|
| 3-month term depositBest rate for 3 months | 5.30%Broker Term Deposit | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions |
| 6-month term depositBest rate for 6 months | 5.47%Broker Term Deposit | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions |
| 12-month term depositBest rate for 12 months | 5.62%Broker Term Deposit | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 5.25%Term Deposit | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
| 3-year term depositBest rate for 3 years | 5.15%Term Deposit | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions |
| 5-year term depositBest rate for 5 years | 5.35%Term Deposit | 5.65%Judo Bank's Personal Term Deposits | 4.00%of 27 institutions |
Every published rate Heartland has changed.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Sat 7 Nov
Heartland lifted 6 term deposit rates by 0.02 to 0.40 percentage points.
0.02 to 0.40- Broker Term Deposit (3 rates)
- Broker Term Deposit - Business (3 rates)
Fri 6 Nov
Heartland lifted 10 term deposit rates by 0.02 to 0.07 percentage points.
0.02 to 0.07- Term Deposit (3 rates)
- Term Deposit - Business (3 rates)
- Broker Term Deposit (2 rates)
- Broker Term Deposit - Business (2 rates)
Sat 31 Oct
Heartland lifted 6 term deposit rates by 0.05 percentage points.
0.05- Broker Term Deposit (3 rates)
- Broker Term Deposit - Business (3 rates)
Wed 28 Oct
Heartland lifted 10 term deposit rates by 0.05 to 0.10 percentage points.
0.05 to 0.10- Term Deposit (2 rates)
- Term Deposit - Business (2 rates)
- Broker Term Deposit (3 rates)
- Broker Term Deposit - Business (3 rates)
Wed 21 Oct
Heartland cut 6 term deposit rates by 0.05 to 0.10 percentage points.
0.05 to 0.10- Broker Term Deposit (3 rates)
- Broker Term Deposit - Business (3 rates)
Thu 1 Oct
Heartland lifted 6 term deposit rates by 0.05 to 0.15 percentage points.
0.05 to 0.15- Broker Term Deposit (3 rates)
- Broker Term Deposit - Business (3 rates)
Wed 30 Sep
Heartland lifted 34 term deposit rates by 0.05 to 0.35 percentage points.
0.05 to 0.35- Term Deposit (10 rates)
- Term Deposit - Business (10 rates)
- Broker Term Deposit (7 rates)
- Broker Term Deposit - Business (7 rates)
Wed 23 Sep
Heartland lifted 12 term deposit rates by 0.05 to 0.15 percentage points.
0.05 to 0.15- Term Deposit (3 rates)
- Term Deposit - Business (3 rates)
- Broker Term Deposit (3 rates)
- Broker Term Deposit - Business (3 rates)
Published by Heartland under the Consumer Data Right, last changed by them on 7 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.