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Heartland · Term deposits
Term Deposit
Heartland's Term Deposit is a term deposit. The figures are the ones Heartland publishes under the Consumer Data Right today. The advertised rate last moved on 28 October 2026, up from 5.50% to 5.55%.
Advertised rate
5.55%
headline tier
Tiers
14
current rate rows
Last moved
+0.05pp
28 October 2026
Advertised rate, last 30 days. Between 5.50% and 5.55% over the last 30 days.
Every current rate (14)
| Tier | Rate |
|---|---|
| Fixed 1 month, $5,000 and overAmount | 2.10% |
| Fixed 3 years, $5,000 and overAmount | 4.90% |
| Fixed 4 years, $5,000 and overAmount | 4.90% |
| Fixed 5 years, $5,000 and overAmount | 4.90% |
| Fixed 3 months, $5,000 and overAmount | 4.95% |
| Fixed 2 years, $5,000 and overTerm | 5.05% |
| Fixed 3 years, $5,000 and overAmount | 5.15% |
| Fixed 2 years, $5,000 and overAmount | 5.25% |
| Fixed 4 years, $5,000 and overAmount | 5.25% |
| Fixed 5 years, $5,000 and overAmount | 5.35% |
| Fixed 1 year, $5,000 and overAmount | 5.40% |
| Fixed 9 months, $5,000 and overAmount | 5.40% |
| Fixed 6 months, $5,000 and overAmount | 5.45% |
| Fixed 1 year, $5,000 and overTerm | 5.55% |
Rate moves, last 30 days
- 28 October 2026: Fixed 1 year, $5,000 and over lifted 0.05pp, from 5.50% to 5.55%.
- 28 October 2026: Fixed 1 year, $5,000 and over lifted 0.05pp, from 5.35% to 5.40%.
Published fees
| Fee | Amount |
|---|---|
| Voucher/information retrieval.when it happens: Fee charged for voucher/information retrieval by us. | see lender |
| Audit certificatewhen it happens | $35 |
| Early Redemption administration feeon exit: An Administration fee of $30 is applied at the time of the time of early withdrawal. | $30 |
| Early redemption interest penalty feewhen it happens: If you redeem your Term Deposit early, the amount of interest paid will be the interest accrued based on the interest rate on the day we opened your account les | see lender |
Other Heartland term deposits
Get an email the morning Heartland moves this rate.
Every Heartland rate · every term deposit rate compared · other lenders · this product in the explorer.