Term deposit rates › People First and Heritage Bank
Term Deposit
People First and Heritage Bank
CDR official
A secure way to invest your money and earn a great return on your investment.
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 |
|---|---|---|---|---|
| 3.00% | Fixed · 2 months | Business customers | CDR | 1 Nov 2026 |
| 4.00% | Fixed · 3 months | Business customers | CDR | 1 Nov 2026 |
| 4.85% | Fixed · 4 months | Business customers | CDR | 1 Nov 2026 |
| 4.00% | Fixed · 5 months | Business customers | CDR | 1 Nov 2026 |
| 5.00% | Fixed · 6 months | Business customers | CDR | 1 Nov 2026 |
| 5.45% | Fixed · 7 months | Business customers | CDR | 1 Nov 2026 |
| 4.50% | Fixed · 8 months | Business customers | CDR | 1 Nov 2026 |
| 5.10% | Fixed · 9 months | Business customers | CDR | 1 Nov 2026 |
| 4.50% | Fixed · 10 months | Business customers | CDR | 1 Nov 2026 |
| 4.50% | Fixed · 11 months | Business customers | CDR | 1 Nov 2026 |
| 5.08% | Fixed · 1 year | Business customers | CDR | 1 Nov 2026 |
| 5.20% | Fixed · 1 year | Business customers | CDR | 1 Nov 2026 |
| 5.13% | Fixed · 2 years | Business customers | CDR | 1 Nov 2026 |
| 5.25% | Fixed · 2 years | Business customers | CDR | 1 Nov 2026 |
| 5.13% | Fixed · 3 years | Business customers | CDR | 1 Nov 2026 |
| 5.25% | Fixed · 3 years | Business customers | CDR | 1 Nov 2026 |
| 5.13% | Fixed · 4 years | Business customers | CDR | 1 Nov 2026 |
| 5.25% | Fixed · 4 years | Business customers | CDR | 1 Nov 2026 |
| 5.13% | Fixed · 5 years | Business customers | CDR | 1 Nov 2026 |
| 5.25% | Fixed · 5 years | Business customers | CDR | 1 Nov 2026 |
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d- Content hash
sha256 3e2207469db71960a94aa0d444f9fcaeef6c89dd5a4258ab7791e808efc46770- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_3e2207469db71960_bce46a30Show details
- Checked
- 1 Nov 2026
- URL
https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d- Content hash
sha256 3e2207469db71960a94aa0d444f9fcaeef6c89dd5a4258ab7791e808efc46770- 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.
Fees
| Fee | Type | Amount |
|---|---|---|
| Early Redemption Fee | Event | 10.00% |
| Company and Business Name Search | Event | $20.00 |
| Signature Verification | Event | $5.00 |
| Duplicate/replacement Statement | Event | $10.00 |
| Replacement Interest Statement | Event | $10.00 |
| Frequent Statement Fee | Event | $2.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Notifications | Maturity reminders | We'll send you a term deposit renewal notice prior to the end of your term. If we don't hear from you your investment will automatically renew for a further term |
| Digital banking | Easy access to your account 24/7 with the People’s Choice Smartphone and iPhone App, Internet Banking and Phone Banking. | |
| Other | Early Withdrawal | If you need to withdraw your Term Investment before it matures you will need to give us 31 days notice. We may charge you an early redemption fee. |
| Other | Business Term Investment option available | A safe and secure way to invest your money and earn a great interest rate on your business' savings. |
| Relationship management | One to One Relationship Management available | Our Program One to One provides a higher level of personalised service to members that have significant business with the Credit Union, measured by borrowings and/or deposits. This is achieved by providing each member with their own Relationship Manager as a single point of contact for all their financial service needs. |
| Eligibility: min age | 12 | 12 years and older |
| Eligibility: business | Business and non-personal entities | |
| Eligibility: residency status | Permanent residents of Australia who reside in Australia at the time of membership application are eligible for membership, regardless of citizenship status. | |
| Limit: min balance | 5000.00 | |
| Limit: opening balance | 5000.00 | |
| Limit: min balance | 1000.00 | |
| Limit: opening balance | 1000.00 |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Fixed · 3 months | 1 Nov 2026 | Current | 4.00% |
| Fixed · 4 months | 1 Nov 2026 | Current | 4.85% |
| Fixed · 4 years | 1 Nov 2026 | Current | 5.25% |
| Fixed · 5 months | 1 Nov 2026 | Current | 4.00% |
| Fixed · 1 year | 1 Nov 2026 | Current | 5.08% |
| Fixed · 6 months | 1 Nov 2026 | Current | 5.00% |
| Fixed · 10 months | 1 Nov 2026 | Current | 4.50% |
| Fixed · 1 year | 1 Nov 2026 | Current | 5.20% |
| Fixed · 9 months | 1 Nov 2026 | Current | 5.10% |
| Fixed · 2 months | 1 Nov 2026 | Current | 3.00% |
| Fixed · 4 years | 1 Nov 2026 | Current | 5.13% |
| Fixed · 5 years | 1 Nov 2026 | Current | 5.25% |
| Fixed · 3 years | 1 Nov 2026 | Current | 5.13% |
| Fixed · 11 months | 1 Nov 2026 | Current | 4.50% |
| Fixed · 8 months | 1 Nov 2026 | Current | 4.50% |
| Fixed · 2 years | 1 Nov 2026 | Current | 5.13% |
| Fixed · 2 years | 1 Nov 2026 | Current | 5.25% |
| Fixed · 3 years | 1 Nov 2026 | Current | 5.25% |
| Fixed · 5 years | 1 Nov 2026 | Current | 5.13% |
| Fixed · 7 months | 1 Nov 2026 | Current | 5.45% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
segment:business | Business customers | Listed with business products, not personal ones |
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