The Finance Algorithm

At a glance

Up to
3.75%
Base rate
0.25%
Bonus rate
3.50%

How it compares

This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This account: 3.75%Every other institution's highest, 50 in all

Base plus bonus, when every condition is met. One dot per institution, at its highest bonus savings rate anyone can apply for; hover or tap a dot for its name.

RateThis accountBest anywhereTypical institutionWhere it sits
Bonus savings accountBase plus bonus, when every condition is met3.75%5.75%Defence Bank Limited's iSaver5.25%of 51 institutions46th highest of 51, level with one other
Bonus account, conditions missedWhat a bonus account pays in a month its conditions aren't met0.25%3.45%Heritage's Online Saver Account0.10%of 43 institutions15th highest of 43, level with one other

Rates

Every rate Orange Credit Union Ltd publishes for this account, 2 in all.

How the rate is made up

3.75%in a month every condition is met

0.25% base rate3.50% bonus, when its conditions are met
TypeApplies toTermBandRateComparisonConditions
Bonus---3.50%-paid every 1 mo
Variable---0.25%-paid every 1 mo

Features

Digital banking
  • Direct Credits
  • No Direct Debits
  • Minimum Deposit $50 per month
  • Branch Transactions
  • Bonus interest earned above the base rate every month when you make a deposit (minimum $50 per month) and no withdrawals
  • At Call

Eligibility and limits

  • Minimum balance $1

Published by Orange Credit Union Ltd under the Consumer Data Right, last changed by them on 20 Jan 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.