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People's Choice and Heritage · Term deposits
Term Deposit
People's Choice and Heritage's Term Deposit is a term deposit. The figures are the ones People's Choice and Heritage publishes under the Consumer Data Right today. The advertised rate last moved on 23 September 2026, up from 5.35% to 5.45%.
Advertised rate
5.45%
headline tier
Tiers
20
current rate rows
Last moved
+0.10pp
23 September 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (20)
| Tier | Rate |
|---|---|
| Fixed 2 months, $5,000,000 and overTerm Tier 2M | 3.00% |
| Fixed 3 months, $5,000,000 and overTerm Tier 3M | 4.00% |
| Fixed 5 months, $5,000,000 and overTerm Tier 5M | 4.00% |
| Fixed 10 months, $5,000,000 and overTerm Tier 10M | 4.50% |
| Fixed 11 months, $5,000,000 and overTerm Tier 11M | 4.50% |
| Fixed 8 months, $5,000,000 and overTerm Tier 8M | 4.50% |
| Fixed 4 months, $5,000,000 and overTerm Tier 4M | 4.85% |
| Fixed 6 months, $5,000,000 and overTerm Tier 6M | 5.00% |
| Fixed 1 year, $5,000,000 and overTerm Tier 12M | 5.08% |
| Fixed 9 months, $5,000,000 and overTerm Tier 9M | 5.10% |
| Fixed 2 years, $5,000,000 and overTerm Tier 2Y | 5.13% |
| Fixed 3 years, $5,000,000 and overTerm Tier 3Y | 5.13% |
| Fixed 4 years, $5,000,000 and overTerm Tier 4Y | 5.13% |
| Fixed 5 years, $5,000,000 and overTerm Tier 5Y | 5.13% |
| Fixed 1 year, $5,000,000 and overTerm Tier 12M | 5.20% |
| Fixed 2 years, $5,000,000 and overTerm Tier 2Y | 5.25% |
| Fixed 3 years, $5,000,000 and overTerm Tier 3Y | 5.25% |
| Fixed 4 years, $5,000,000 and overTerm Tier 4Y | 5.25% |
| Fixed 5 years, $5,000,000 and overTerm Tier 5Y | 5.25% |
| Fixed 7 months, $5,000,000 and overTerm Tier 7M | 5.45% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Early Redemption Feewhen it happens: The amount by which the interest will be reduced depends on the percentage of the term that has elapsed as at the date of the withdrawal of funds from the Term | see lender |
| Company and Business Name Searchwhen it happens: Applies to each Company or Business Name Search completed | $20 |
| Signature Verificationwhen it happens: Applies when you request to withdraw funds without sufficient identification. | $5 |
| Duplicate/replacement Statementwhen it happens: Applies when you request us to provide a copy of a statement that has already been issued (including where you request a paper copy of an eStatement). | $10 |
| Replacement Interest Statementwhen it happens: Applies when you request us to provide a copy of an interest statement that has already been issued. | $10 |
| Frequent Statement Feewhen it happens: This fee applies to members who request a statement more regularly than the statement cycle specified in the Summary of Term Investment Accounts table in Chapte | $2 |
Other People's Choice and Heritage term deposits
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