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.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 2.10% | Fixed · 31 days · $5,000 or more | CDR | 1 Nov 2026 | |
| 4.95% | Fixed · 3 months · $5,000 or more | CDR | 1 Nov 2026 | |
| 5.45% | Fixed · 6 months · $5,000 or more | CDR | 1 Nov 2026 | |
| 5.40% | Fixed · 9 months · $5,000 or more | CDR | 1 Nov 2026 | |
| 5.40% | Fixed · 1 year · $5,000 or more | CDR | 1 Nov 2026 | |
| 5.55% | Fixed · 1 year · $5,000 or more | CDR | 1 Nov 2026 | |
| 5.05% | Fixed · 2 years · $5,000 or more | CDR | 1 Nov 2026 | |
| 5.25% | Fixed · 2 years · $5,000 or more | CDR | 1 Nov 2026 | |
| 4.90% | Fixed · 3 years · $5,000 or more | CDR | 1 Nov 2026 | |
| 5.15% | Fixed · 3 years · $5,000 or more | CDR | 1 Nov 2026 | |
| 4.90% | Fixed · 4 years · $5,000 or more | CDR | 1 Nov 2026 | |
| 5.25% | Fixed · 4 years · $5,000 or more | CDR | 1 Nov 2026 | |
| 4.90% | Fixed · 5 years · $5,000 or more | CDR | 1 Nov 2026 | |
| 5.35% | Fixed · 5 years · $5,000 or more | CDR | 1 Nov 2026 |
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Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1- Content hash
sha256 e4099371783d8acafdbb468f08dfe10e1d1562991ef45781ae91772b7f6b27ca- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_e4099371783d8aca_6e1c181fShow details
- Checked
- 1 Nov 2026
- URL
https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1- Content hash
sha256 e4099371783d8acafdbb468f08dfe10e1d1562991ef45781ae91772b7f6b27ca- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Homepedia notes
Figures, filters and rankings on this page follow the lender's Consumer Data Right data. Where that data contradicts itself, or another source says something different, we note it here and leave the figures as published.
The lender's own text in its CDR data says a minimum balance or opening deposit of $10,000 applies. The structured rate data doesn't carry that minimum, so rate tables show these rates for smaller balances too.
Found in the CDR data itself · 1 Nov 2026
Fees
| Fee | Type | Amount |
|---|---|---|
| Voucher/information retrieval. | Event | Set in your letter of offer |
| Audit certificate | Event | $35.00 |
| Early Redemption administration fee | Exit | $30.00 |
| Early redemption interest penalty fee | Event | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Interest can be reinvested back into the Term Deposit, paid to your account with us, or paid to another financial institution account. | |
| Other | Manage the Term Deposit maturity instructions from within Internet Banking or our app. Tell us how the principal and interest amounts are to be paid when your Term Deposit matures. | |
| Digital banking | ||
| Eligibility: other | To open an account, you must have a valid email address and an Australian mobile number. | |
| Eligibility: natural person | To open a Term Deposit, you must be a natural person. | |
| Eligibility: min age | 14 | To open an account, you must be 14 years or older. |
| Eligibility: residency status | To open an account, you must be solely a tax resident of Australia. | |
| Limit: min balance | 5000.00 |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Fixed · 3 months · $5,000 or more | 1 Nov 2026 | Current | 4.95% |
| Fixed · 6 months · $5,000 or more | 1 Nov 2026 | Current | 5.45% |
| Fixed · 1 year · $5,000 or more | 1 Nov 2026 | Current | 5.40% |
| Fixed · 31 days · $5,000 or more | 1 Nov 2026 | Current | 2.10% |
| Fixed · 9 months · $5,000 or more | 1 Nov 2026 | Current | 5.40% |
| Fixed · 4 years · $5,000 or more | 1 Nov 2026 | Current | 4.90% |
| Fixed · 2 years · $5,000 or more | 1 Nov 2026 | Current | 5.05% |
| Fixed · 5 years · $5,000 or more | 1 Nov 2026 | Current | 5.35% |
| Fixed · 5 years · $5,000 or more | 1 Nov 2026 | Current | 4.90% |
| Fixed · 3 years · $5,000 or more | 1 Nov 2026 | Current | 5.15% |
| Fixed · 1 year · $5,000 or more | 1 Nov 2026 | Current | 5.55% |
| Fixed · 3 years · $5,000 or more | 1 Nov 2026 | Current | 4.90% |
| Fixed · 2 years · $5,000 or more | 1 Nov 2026 | Current | 5.25% |
| Fixed · 4 years · $5,000 or more | 1 Nov 2026 | Current | 5.25% |
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