Heartland Bank
Broker Term Deposit
Heartland Bank · term deposits
Provider last updated this product 2026-09-30.
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.
Deposit rates
| Type | Rate | Term | Calculated | Applies to | Conditions | Interest |
|---|---|---|---|---|---|---|
| FIXED | 2.55% | 1 months | daily | $10,000 - $2,000,000, Term | 31 day fixed term deposit with interest paid at maturity | calculated daily, paid P31D |
| 31 day fixed term deposit with interest paid at maturity Minimum deposit for new customer is $10K. | ||||||
| FIXED | 5.30% | 6 months | daily | $10,000 - $2,000,000, 6 - 6 months | 6 month fixed term deposit with interest paid at maturity | calculated daily, paid half-yearly |
| 6 month fixed term deposit with interest paid at maturity Minimum deposit for new customer is $10K. | ||||||
| FIXED | 5.20% | 24 months | daily | $10,000 - $2,000,000, 24 - 24 months | 24 month fixed term deposit with interest paid annually | calculated daily, paid annually |
| 24 month fixed term deposit with interest paid annually Minimum deposit for new customer is $10K. | ||||||
| FIXED | 4.90% | 3 months | daily | $10,000 - $2,000,000, 3 - 3 months | 3 month fixed term deposit with interest paid at maturity | calculated daily, paid quarterly |
| 3 month fixed term deposit with interest paid at maturity Minimum deposit for new customer is $10K. | ||||||
| FIXED | 5.55% | 12 months | daily | 12 - 12 months, $10,000 - $2,000,000 | 12 month fixed term deposit with interest paid at maturity | calculated daily, paid P12M |
| 12 month fixed term deposit with interest paid at maturity Minimum deposit for new customer is $10K. | ||||||
| FIXED | 5.35% | 9 months | daily | $10,000 - $2,000,000, 9 - 9 months | 9 month fixed term deposit with interest paid at maturity | calculated daily, paid P9M |
| 9 month fixed term deposit with interest paid at maturity Minimum deposit for new customer is $10K. | ||||||
| FIXED | 5.25% | 60 months | daily | $10,000 - $2,000,000, 60 - 60 months | 60 month fixed term deposit with interest paid annually | calculated daily, paid annually |
| 60 month fixed term deposit with interest paid annually Minimum deposit for new customer is $10K. | ||||||
| FIXED | 5.00% | 36 months | daily | $10,000 - $2,000,000, 36 - 36 months | 36 month fixed term deposit with interest paid annually | calculated daily, paid annually |
| 36 month fixed term deposit with interest paid annually Minimum deposit for new customer is $10K. | ||||||
| FIXED | 5.00% | 48 months | daily | $10,000 - $2,000,000, 48 - 48 months | 48 month fixed term deposit with interest paid annually | calculated daily, paid annually |
| 48 month fixed term deposit with interest paid annually Minimum deposit for new customer is $10K. | ||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Voucher retrieval fee. | EVENT | - | Fee charged for voucher/information retrieval by us. |
| Audit certificate | EVENT | $35 | - |
| Early Redemption administration fee | EXIT | $30 | An Administration fee of $30 will be applied at the time of the time of early withdrawal |
| Early redemption interest penalty fee | EVENT | - | 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 less a reduction in interest earned based on the percentage of the term elapsed at the early termination date as outlined in the General Terms which are available on the web site. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-07-15 | 5.40% |
| 2026-07-17 | 2026-07-20 | 5.35% |
| 2026-08-08 | 2026-09-01 | 5.15% |
| 2026-09-03 | 2026-09-08 | 5.20% |
| 2026-09-09 | 2026-09-17 | 5.15% |
| 2026-09-24 | 2026-09-28 | 5.30% |
| 2026-09-29 | 2026-09-29 | 5.40% |
| 2026-09-30 | 2026-09-30 (current) | 5.55% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Interest is paid to your nominated account.
Who can apply
- otherThis account is available via Australian Money Market
- natural personTo open a Term Deposit, you must be a natural person.
- min age - 14To open an account, you must be 14 years or older.
- residency status - To open an account, you must be solely a tax resident of Australia.
Limits
- min balance - 5000.00Our Term Deposits have a minimum balance of $5,000.00.
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-30T03:59:03Z · Product ID: TD03.1