Heartland
ABN 54 087 651 750
Term deposits
Heartland publishes 4 term deposit products through the Consumer Data Right (2 personal, 2 business), giving 46 rates with terms from 31 days to 60 months. Rates are per annum as published by the bank, including every balance tier and interest payment option; the filters narrow the table.
Products
- Broker Term DepositPersonalmin deposit $5,000 · 9 rates · This account is available via Australian Money Market; available via broker or intermediary · bank · source · api
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. - Broker Term Deposit - BusinessBusinessmin deposit $5,000 · 9 rates · This account is available via Australian Money Market.; available via broker or intermediary · bank · source · api
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. - Term DepositPersonalmin deposit $5,000 · 14 rates · To open an account, you must have a valid email address and an Australian mobile number. · bank · source · api
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. - Term Deposit - BusinessBusinessmin deposit $100,000 · 14 rates · To open an account, at least one of your account signatories must have a valid email address and an Australian mobile number. · bank · source · api
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.
Rates
46 of 46 rates shown
| Customer | Term | Rate p.a. | Interest paid | Deposit range | Conditions | Bank updated | Source |
|---|---|---|---|---|---|---|---|
| Personal | 31 days | 2.55% | at maturity | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 31 day fixed term deposit with interest paid at maturity | 2026-09-30 | sourceapi |
| Business | 31 days | 2.55% | at maturity | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 31 day fixed term deposit with interest paid at maturity | 2026-09-30 | sourceapi |
| Personal | 31 days | 2.10% | at maturity | $5,000+ | Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.; 31 day fixed term deposit with… | 2026-09-29 | sourceapi |
| Business | 31 days | 2.10% | at maturity | $100,000+ | Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K.; 31 day fixed term deposit with… | 2026-09-29 | sourceapi |
| Personal | 3 months | 4.95% | at maturity | $5,000+ | Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.; 3 month fixed term deposit with… | 2026-09-29 | sourceapi |
| Personal | 3 months | 4.90% | at maturity | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 3 month fixed term deposit with interest paid at maturity | 2026-09-30 | sourceapi |
| Business | 3 months | 4.90% | at maturity | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 3 month fixed term deposit with interest paid at maturity | 2026-09-30 | sourceapi |
| Business | 3 months | 4.90% | at maturity | $100,000+ | Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K.; 3 month fixed term deposit wit… | 2026-09-29 | sourceapi |
| Personal | 6 months | 5.45% | at maturity | $5,000+ | Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.; 6 month fixed term deposit with… | 2026-09-29 | sourceapi |
| Business | 6 months | 5.40% | at maturity | $100,000+ | Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K.; 6 month fixed term deposit wit… | 2026-09-29 | sourceapi |
| Personal | 6 months | 5.30% | at maturity | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 6 month fixed term deposit with interest paid at maturity | 2026-09-30 | sourceapi |
| Business | 6 months | 5.30% | at maturity | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 6 month fixed term deposit with interest paid at maturity | 2026-09-30 | sourceapi |
| Personal | 9 months | 5.40% | at maturity | $5,000+ | Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.; 9 month fixed term deposit with… | 2026-09-29 | sourceapi |
| Personal | 9 months | 5.35% | at maturity | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 9 month fixed term deposit with interest paid at maturity | 2026-09-30 | sourceapi |
| Business | 9 months | 5.35% | at maturity | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 9 month fixed term deposit with interest paid at maturity | 2026-09-30 | sourceapi |
| Business | 9 months | 5.35% | at maturity | $100,000+ | Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K.; 9 month fixed term deposit wit… | 2026-09-29 | sourceapi |
| Personal | 12 months | 5.55% | at maturity | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 12 month fixed term deposit with interest paid at maturity | 2026-09-30 | sourceapi |
| Business | 12 months | 5.55% | at maturity | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 12 month fixed term deposit with interest paid at maturity | 2026-09-30 | sourceapi |
| Personal | 12 months | 5.50% | at maturity | $5,000+ | Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.; 12 month fixed term deposit wit… | 2026-09-29 | sourceapi |
| Business | 12 months | 5.45% | at maturity | $100,000+ | Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K.; 12 month fixed term deposit wi… | 2026-09-29 | sourceapi |
| Personal | 12 months | 5.35% | monthly | $5,000+ | Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.; 12 month fixed term deposit wit… | 2026-09-29 | sourceapi |
| Business | 12 months | 5.30% | monthly | $100,000+ | Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K.; 12 month fixed term deposit wi… | 2026-09-29 | sourceapi |
| Personal | 24 months | 5.25% | annually | $5,000+ | Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.; 24 month fixed term deposit wit… | 2026-09-29 | sourceapi |
| Personal | 24 months | 5.20% | annually | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 24 month fixed term deposit with interest paid annually | 2026-09-30 | sourceapi |
| Business | 24 months | 5.20% | annually | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 24 month fixed term deposit with interest paid annually | 2026-09-30 | sourceapi |
| Business | 24 months | 5.20% | annually | $100,000+ | Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K.; 24 month fixed term deposit wi… | 2026-09-29 | sourceapi |
| Personal | 24 months | 5.05% | monthly | $5,000+ | Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.; 24 month fixed term deposit wit… | 2026-09-29 | sourceapi |
| Business | 24 months | 5.00% | monthly | $100,000+ | Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K.; 24 month fixed term deposit wi… | 2026-09-29 | sourceapi |
| Personal | 36 months | 5.15% | annually | $5,000+ | Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.; 36 month fixed term deposit wit… | 2026-09-29 | sourceapi |
| Business | 36 months | 5.10% | annually | $100,000+ | Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K.; 36 month fixed term deposit wi… | 2026-09-29 | sourceapi |
| Personal | 36 months | 5.00% | annually | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 36 month fixed term deposit with interest paid annually | 2026-09-30 | sourceapi |
| Business | 36 months | 5.00% | annually | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 36 month fixed term deposit with interest paid annually | 2026-09-30 | sourceapi |
| Personal | 36 months | 4.90% | monthly | $5,000+ | Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.; 36 month fixed term deposit wit… | 2026-09-29 | sourceapi |
| Business | 36 months | 4.85% | monthly | $100,000+ | Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K.; 36 month fixed term deposit wi… | 2026-09-29 | sourceapi |
| Personal | 48 months | 5.25% | annually | $5,000+ | Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.; 48 month fixed term deposit wit… | 2026-09-29 | sourceapi |
| Business | 48 months | 5.20% | annually | $100,000+ | Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K.; 48 month fixed term deposit wi… | 2026-09-29 | sourceapi |
| Personal | 48 months | 5.00% | annually | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 48 month fixed term deposit with interest paid annually | 2026-09-30 | sourceapi |
| Business | 48 months | 5.00% | annually | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 48 month fixed term deposit with interest paid annually | 2026-09-30 | sourceapi |
| Personal | 48 months | 4.90% | monthly | $5,000+ | Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.; 48 month fixed term deposit wit… | 2026-09-29 | sourceapi |
| Business | 48 months | 4.85% | monthly | $100,000+ | Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K.; 48 month fixed term deposit wi… | 2026-09-29 | sourceapi |
| Personal | 60 months | 5.35% | annually | $5,000+ | Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.; 60 month fixed term deposit wit… | 2026-09-29 | sourceapi |
| Business | 60 months | 5.30% | annually | $100,000+ | Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K.; 60 month fixed term deposit wi… | 2026-09-29 | sourceapi |
| Personal | 60 months | 5.25% | annually | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 60 month fixed term deposit with interest paid annually | 2026-09-30 | sourceapi |
| Business | 60 months | 5.25% | annually | $10,000 – $2,000,000 | Minimum deposit for new customer is $10K.; 60 month fixed term deposit with interest paid annually | 2026-09-30 | sourceapi |
| Personal | 60 months | 4.90% | monthly | $5,000+ | Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.; 60 month fixed term deposit wit… | 2026-09-29 | sourceapi |
| Business | 60 months | 4.85% | monthly | $100,000+ | Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K.; 60 month fixed term deposit wi… | 2026-09-29 | sourceapi |
Hover a condition to read the bank's full wording. Rates paid before maturity are usually a little lower than the at-maturity rate. The "source" link opens our snapshot of the bank's CDR product record; "api" is the live endpoint, which needs an x-v header and will not open in a browser.
Data
This section is built from the bank's public Consumer Data Right product feed. The same records are published as JSON with a source URL and the bank's last-updated timestamp on every row, and the date each CDR record was snapshotted on every product:
/v1/au/term-deposits/brands/heartland.json: this bank's products and every rate row./v1/au/term-deposits/rates.json: every bank's rate rows in one file./v1/au/term-deposits/best.json: best rates per term, segment and reference deposit./v1/au/term-deposits/index.json: dataset index, including every per-bank file.
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