People First Bank / Heritage Bank
Registered in the Consumer Data Right as People First and Heritage Bank · ABN 11 087 651 125
Term deposits
People First Bank / Heritage Bank publishes 2 term deposit products through the Consumer Data Right (1 personal, 1 business), giving 41 rates with terms from 1 month 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
- Term DepositBusinessmin deposit $5,000 · 20 rates · bank · source · api
A secure way to invest your money and earn a great return on your investment. - Term Deposit (2)Personalmin deposit $1,000 · 21 rates · bank · source · api
Let us help you reach your investment goals sooner with a high interest term deposit.
Rates
41 of 41 rates shown
| Customer | Term | Rate p.a. | Interest paid | Deposit range | Conditions | Bank updated | Source |
|---|---|---|---|---|---|---|---|
| Personal | 1 month | 2.25% | at maturity | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Personal | 2 months | 3.00% | at maturity | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Business | 2–3 months | 3.00% | at maturity | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Personal | 3 months | 4.00% | at maturity | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Business | 3–4 months | 4.00% | at maturity | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Personal | 4 months | 4.85% | at maturity | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Business | 4–5 months | 4.85% | at maturity | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Personal | 5 months | 4.00% | at maturity | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Business | 5–6 months | 4.00% | at maturity | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Personal | 6 months | 5.00% | at maturity | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Business | 6–7 months | 5.00% | at maturity | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Personal | 7 months | 5.45% | at maturity | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Business | 7–8 months | 5.45% | at maturity | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Personal | 8 months | 4.50% | at maturity | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Business | 8–9 months | 4.50% | at maturity | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Personal | 9 months | 5.10% | at maturity | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Business | 9–10 months | 5.10% | at maturity | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Personal | 10 months | 4.50% | at maturity | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Business | 10–11 months | 4.50% | at maturity | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Personal | 11 months | 4.50% | at maturity | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Business | 11–12 months | 4.50% | at maturity | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Personal | 12 months | 5.20% | at maturity | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Personal | 12 months | 5.10% | monthly | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Business | 12–24 months | 5.20% | at maturity | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Business | 12–24 months | 5.08% | monthly | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Personal | 24 months | 5.25% | annually | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Personal | 24 months | 5.15% | monthly | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Business | 24–36 months | 5.25% | annually | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Business | 24–36 months | 5.13% | monthly | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Personal | 36 months | 5.25% | annually | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Personal | 36 months | 5.15% | monthly | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Business | 36–48 months | 5.25% | annually | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Business | 36–48 months | 5.13% | monthly | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Personal | 48 months | 5.25% | annually | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Personal | 48 months | 5.15% | monthly | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Business | 48–60 months | 5.25% | annually | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Business | 48–60 months | 5.13% | monthly | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Business | 60 months | 5.25% | annually | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | sourceapi |
| Personal | 60 months | 5.25% | annually | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Personal | 60 months | 5.15% | monthly | $1,000+ | A reduced rate of interest will be paid for early maturity. | 2026-09-22 | sourceapi |
| Business | 60 months | 5.13% | monthly | $5,000+ | For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch | 2026-09-22 | 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/people-first-and-heritage-bank.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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