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 |
|---|---|---|---|---|
| 2.55% | Fixed · 31 days · $10,000–$2,000,000 | Through a broker | CDR | 1 Nov 2026 |
| 4.90% | Fixed · 3 months · $10,000–$2,000,000 | Through a broker | CDR | 1 Nov 2026 |
| 5.35% | Fixed · 6 months · $10,000–$2,000,000 | Through a broker | CDR | 1 Nov 2026 |
| 5.45% | Fixed · 9 months · $10,000–$2,000,000 | Through a broker | CDR | 1 Nov 2026 |
| 5.60% | Fixed · 1 year · $10,000–$2,000,000 | Through a broker | CDR | 1 Nov 2026 |
| 5.20% | Fixed · 2 years · $10,000–$2,000,000 | Through a broker | CDR | 1 Nov 2026 |
| 5.00% | Fixed · 3 years · $10,000–$2,000,000 | Through a broker | CDR | 1 Nov 2026 |
| 5.00% | Fixed · 4 years · $10,000–$2,000,000 | Through a broker | CDR | 1 Nov 2026 |
| 5.25% | Fixed · 5 years · $10,000–$2,000,000 | Through a broker | CDR | 1 Nov 2026 |
Report an error
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/TD03.1- Content hash
sha256 bd930b4b8ac3865da58e3e3c4dcf701fe4bcc8a20497218ca1598e70279cb655- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_bd930b4b8ac3865d_a342548eShow details
- Checked
- 1 Nov 2026
- URL
https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD03.1- Content hash
sha256 bd930b4b8ac3865da58e3e3c4dcf701fe4bcc8a20497218ca1598e70279cb655- 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.
Heartland's public term deposit page (checked 31 October 2026) does not offer this product: it appears to be available only through a broker. The rate a person can get direct is Heartland's personal Term Deposit, 5.55% p.a. for 12 months with interest at maturity.
Lender's website · source ↗ · 1 Nov 2026
Fees
| Fee | Type | Amount |
|---|---|---|
| Voucher retrieval fee. | 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 is paid to your nominated account. | |
| Eligibility: other | This account is available via Australian Money Market | |
| 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 · 6 months · $10,000–$2,000,000 | 1 Nov 2026 | Current | 5.35% |
| Fixed · 4 years · $10,000–$2,000,000 | 1 Nov 2026 | Current | 5.00% |
| Fixed · 5 years · $10,000–$2,000,000 | 1 Nov 2026 | Current | 5.25% |
| Fixed · 1 year · $10,000–$2,000,000 | 1 Nov 2026 | Current | 5.60% |
| Fixed · 9 months · $10,000–$2,000,000 | 1 Nov 2026 | Current | 5.45% |
| Fixed · 2 years · $10,000–$2,000,000 | 1 Nov 2026 | Current | 5.20% |
| Fixed · 3 months · $10,000–$2,000,000 | 1 Nov 2026 | Current | 4.90% |
| Fixed · 31 days · $10,000–$2,000,000 | 1 Nov 2026 | Current | 2.55% |
| Fixed · 3 years · $10,000–$2,000,000 | 1 Nov 2026 | Current | 5.00% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
channel:broker | Through a broker | Shown in the row (the product name says it is sold through a broker or other intermediary); ranking unchanged |
Registered channels
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