Heritage Bank Term Deposit review. Rates up to 4.50% p.a.
Updated 13 March 2026
1 month
-
1.05%
2 months
1.20%
1.30%
3 months
3.75%
3.85%
4 months
3.95%
4.05%
5 months
3.40%
3.50%
6 months
4.30%
4.40%
7 months
3.80%
3.90%
8 months
3.65%
3.75%
9 months
3.95%
4.05%
10 months
3.65%
3.75%
11 months
3.65%
3.75%
12 months
4.40%
4.50%
24 months
3.50%
3.60%
36 months
3.50%
3.60%
48 months
3.50%
3.60%
60 months
3.50%
3.60%
•
31 daysnotice is required for early withdrawal of funds
•
$0 early withdrawal fee
•
An adjustment to your interest may apply
•
Option to pay interest monthly, annually, or at maturity
•
Investments from $1,000
Before applying for this product, you should read the Target Market Determination (TMD) available here on the Heritage Bank website.