Heartland Bank term deposit rates
9 terms published on 10 Oct 2026, best 5.55% for 12 months, from Heartland Bank’s own Consumer Data Right feed. Registered as Heartland.
Today’s rates >_Interest on a deposit →Heartland Bank website →
Heartland Bank at a glance
Today’s rates9 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 1mo | 2.55% | #6 of 33 | +1.05 | −1.55 | — | same on every day read since 10 Sep 2026 | $10,000 | Broker Term Deposit |
| 3mo | 4.95% | joint #23 of 68 | +0.40 | −0.30 | — | same on every day read since 10 Sep 2026 | $5,000 | Term Deposit |
| 6mo | 5.45%market best | joint #1 of 73 | +0.45 | best | ▲ +0.10 1 Oct | in effect since 1 Oct 2026 | $5,000 | Term Deposit |
| 9mo | 5.40%market best | joint #1 of 60 | +0.60 | best | ▲ +0.05 1 Oct | in effect since 1 Oct 2026 | $5,000 | Term Deposit |
| 1yr | 5.55% | joint #2 of 75 | +0.30 | −0.05 | ▲ +0.05 1 Oct | in effect since 1 Oct 2026 | $10,000 | Broker Term Deposit |
| 2yr | 5.25% | joint #7 of 67 | +0.55 | −0.30 | ▲ +0.20 1 Oct | in effect since 1 Oct 2026 | $5,000 | Term Deposit |
| 3yr | 5.15% | #7 of 51 | +0.85 | −0.30 | ▲ +0.10 1 Oct | in effect since 1 Oct 2026 | $5,000 | Term Deposit |
| 4yr | 5.25% | joint #2 of 32 | +1.25 | −0.25 | ▲ +0.15 1 Oct | in effect since 1 Oct 2026 | $5,000 | Term Deposit |
| 5yr | 5.35% | joint #3 of 31 | +1.35 | −0.15 | ▲ +0.20 1 Oct | in effect since 1 Oct 2026 | $5,000 | Term Deposit |
“Rank”, “vs median” and “vs best” compare Heartland Bank with every bank that publishes the same term today. “This rate” is the first day our daily read showed the current rate — a rate that changed between two reads is dated to the first read that showed it.
What Heartland Bank publishes about its products4 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| Broker Term Deposit | every 31 days (at maturity), half-yearly (at maturity), yearly, quarterly (at maturity), yearly (at maturity), every 9 months (at maturity) | $10,000 | $2,000,000 | 9 | fees · eligibility |
| Term Deposit | monthly, every 31 days (at maturity), half-yearly (at maturity), yearly, quarterly (at maturity), yearly (at maturity), every 9 months (at maturity) | $5,000 | no upper limit | 9 | product page · terms · fees · eligibility |
Broker Term Deposit: eligibility, conditions and features
- Eligibility
- This account is available via Australian Money Market; individuals: To open a Term Deposit, you must be a natural person.; minimum age: 14 — To open an account, you must be 14 years or older.; residency: To open an account, you must be solely a tax resident of Australia.
- Conditions
- min balance 5000.00 — Our Term Deposits have a minimum balance of $5,000.00.
- Features
- other — Interest is paid to your nominated account.
- The bank’s description
- 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.
- Interest calculated
- daily
Term Deposit: eligibility, conditions and features
- Eligibility
- To open an account, you must have a valid email address and an Australian mobile number.; individuals: To open a Term Deposit, you must be a natural person.; minimum age: 14 — To open an account, you must be 14 years or older.; residency: To open an account, you must be solely a tax resident of Australia.
- Conditions
- min balance 5000.00 — Minimum deposit amount of $10,000 applies to new customers, otherwise the minimum is $5,000.
- Features
- other — Interest can be reinvested back into the Term Deposit, paid to your account with us, or paid to another financial institution account.; other — Manage the Term Deposit maturity instructions from within Internet Banking or our app. Tell us how the principal and interest amounts are to be paid when your Term Deposit matures.; digital banking
- The bank’s description
- 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.
- Interest calculated
- daily
Also published, not ranked here: Broker Term Deposit - Business business; Term Deposit - Business other (product page).
Every line is the bank’s own statement in its feed, read that day — nothing is inferred. Early-withdrawal terms appear under conditions or features when a bank states them.
Rate historyevery sweep day since 26 Aug 2026 · 46 days · 9 terms
3mo 4.95% today
26 Aug 202610 Oct 2026
6mo 5.45% today
26 Aug 202610 Oct 2026
1yr 5.55% today
26 Aug 202610 Oct 2026
2yr 5.25% today
26 Aug 202610 Oct 2026
3yr 5.15% today
26 Aug 202610 Oct 2026
5yr 5.35% today
26 Aug 202610 Oct 2026
All 9 terms — the other 3
1mo 2.55% today
26 Aug 202610 Oct 2026
9mo 5.40% today
26 Aug 202610 Oct 2026
4yr 5.25% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Heartland Bank published for that term on each day we read its feed. A break in the line is a day we read no rate for that term — the feed could not be read, or the bank did not publish that term that day — never a rate carried forward.
Where Heartland Bank sitsagainst the 77 banks ranked today
1yr: 1 bank ahead
- Community First Bank 5.60%
6mo
Heartland Bank publishes the highest 6-month rate in the market today, shared with 1 other bank.
Timeline9 rate changes since 10 Sep 2026 · ▲9 ▼0 · 1 event
| Date | Term | From → to | Δ |
|---|---|---|---|
| 1 Oct 2026 | 2yr | 5.05 → 5.25 | ▲ +0.20 |
| 1 Oct 2026 | 5yr | 5.15 → 5.35 | ▲ +0.20 |
| 1 Oct 2026 | 4yr | 5.10 → 5.25 | ▲ +0.15 |
| 1 Oct 2026 | 6mo | 5.35 → 5.45 | ▲ +0.10 |
| 1 Oct 2026 | 3yr | 5.05 → 5.15 | ▲ +0.10 |
| 1 Oct 2026 | 9mo | 5.35 → 5.40 | ▲ +0.05 |
| 1 Oct 2026 | 1yr | 5.50 → 5.55 | ▲ +0.05 |
| 30 Sep 2026 | RBA | RBA cash rate 4.60% — up 0.25 pointsReserve Bank decision effective 2026-09-30: cash rate target 4.60%, a rise of 0.25 percentage points. | |
| 24 Sep 2026 | 1yr | 5.40 → 5.50 | ▲ +0.10 |
| 24 Sep 2026 | 6mo | 5.30 → 5.35 | ▲ +0.05 |
Questions about these rates
What is Heartland Bank’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Heartland Bank publishes in its Consumer Data Right feed is 5.55% for 12 months (Broker Term Deposit). That is joint #2 of the 77 Australian banks ranked by best rate today.
What is Heartland Bank’s 12-month term deposit rate?
5.55% as read on 10 Oct 2026, 0.30 points above the market median of 5.25%, and joint #2 of the 75 banks publishing a 12-month rate. The market-best 12-month rate today is 5.60%.
What is the minimum deposit at Heartland Bank?
The lowest minimum Heartland Bank states in its feed is $5,000 (Term Deposit, 3-month). Check the product disclosure statement for balance tiers.
When did Heartland Bank last change a term deposit rate?
The most recent change we read was on 1 Oct 2026: the 24-month rate moved from 5.05% to 5.25%. We have read 9 changes at Heartland Bank since 10 Sep 2026.
Are deposits with Heartland Bank guaranteed?
Heartland Bank publishes its products under the Consumer Data Right as an Australian data holder. Under the Financial Claims Scheme, administered by APRA, protected Australian-dollar deposit accounts at an Australian-incorporated authorised deposit-taking institution (ADI) are covered up to $250,000 per account holder per ADI. Several brands can share one ADI licence, in which case the cap covers them together, so confirm which licence Heartland Bank operates under before relying on the guarantee. Scheme facts checked against apra.gov.au (Financial Claims Scheme) on 15 Sep 2026 — the link is under “About Heartland Bank” below; rates are as read on 10 Oct 2026.
About Heartland Bank
- Registered as
- Heartland
- Also known as
- Heartland
- Type
- ASX-listed bank
- Part of
- Heartland Group Holdings (NZX/ASX: HGH)
- ASX code
- HGH
- Website
- www.heartlandbank.com.au
- Consumer Data Right feed
- https://api.cdr.heartlandbank.com.au
- Deposit guarantee
- Financial Claims Scheme, up to $250,000 per account holder per ADI — scheme details and covered institutions at APRA (checked 15 Sep 2026)
The rates on this page are the retail term deposit rates Heartland Bank publishes in its own Consumer Data Right product feed, read once a day. Business, SMSF and staff-only products are left out. A product the bank publishes as “tailored” (pricing may be negotiated) is included only when the bank also states it is open to individuals, and is marked as tailored. A day on which we read no rate is a gap on this page — never an estimate.
Facts about the institution reviewed 15 Sep 2026. Rates read 10 Oct 2026.
Savings accountshighinterestsavingsaccounts.org
Heartland Bank has no savings account on today’s board at highinterestsavingsaccounts.org, our sister site for at-call savings rates.
Please note: the savings figures on this page are estimates only and may not reflect the return you actually receive. Actual returns vary with tax, fees, the interest payment frequency and any change the bank makes to a rate before you open the account. Rates are the bank’s own published Consumer Data Right figures and may differ for particular balance tiers or online-only products. Always read the product disclosure statement, confirm the rate with the bank, and consider your own circumstances. Nothing here is financial advice or a recommendation. This site is published by Nutshell Media Pty Ltd, which is not affiliated with any bank, credit union or building society.