See Heartland Bank's term deposit rate history and current term options. As of September 2026, Heartland Bank's strongest current rates are on longer-term deposits, with up to 5.50% p.a. on a 1yr term. Shorter terms currently reach 5.45% p.a. for 6mo. Compare all current term deposit rates to see how Heartland Bank compares with other Australian banks today.
3mo term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
4.95%
Current
Quarterly
$5k
5 Jun 2026
—
4.90%
Quarterly
$5k
15 May 2026
5 Jun 2026
6mo term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
5.45%
Current
Semi-annually
$5k
30 Sep 2026
—
5.35%
Semi-annually
$5k
23 Sep 2026
30 Sep 2026
5.30%
Semi-annually
$5k
7 Aug 2026
23 Sep 2026
5.35%
Semi-annually
$5k
16 Jul 2026
7 Aug 2026
5.40%
Semi-annually
$5k
5 Jun 2026
16 Jul 2026
5.30%
Semi-annually
$5k
15 May 2026
5 Jun 2026
1yr term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
5.50%
Current
At maturity
$5k
23 Sep 2026
—
5.35%
Current
Monthly
$5k
23 Sep 2026
—
5.25%
Monthly
$5k
7 Aug 2026
23 Sep 2026
5.40%
At maturity
$5k
7 Aug 2026
23 Sep 2026
5.45%
At maturity
$5k
16 Jul 2026
7 Aug 2026
5.30%
Monthly
$5k
16 Jul 2026
7 Aug 2026
5.55%
At maturity
$5k
19 Jun 2026
16 Jul 2026
5.40%
Monthly
$5k
19 Jun 2026
16 Jul 2026
5.50%
At maturity
$5k
5 Jun 2026
19 Jun 2026
5.35%
Monthly
$5k
5 Jun 2026
19 Jun 2026
5.30%
Monthly
$5k
15 May 2026
5 Jun 2026
5.45%
At maturity
$5k
15 May 2026
5 Jun 2026
2yr term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
5.05%
Current
Monthly
$5k
30 Sep 2026
—
5.25%
Current
Annually
$5k
30 Sep 2026
—
4.85%
Monthly
$5k
23 Jul 2026
30 Sep 2026
5.05%
Annually
$5k
23 Jul 2026
30 Sep 2026
5.15%
Annually
$5k
16 Jul 2026
23 Jul 2026
4.95%
Monthly
$5k
16 Jul 2026
23 Jul 2026
5.25%
Annually
$5k
5 Jun 2026
16 Jul 2026
5.05%
Monthly
$5k
5 Jun 2026
16 Jul 2026
5.25%
Monthly
$5k
11 Apr 2026
5 Jun 2026
5.45%
Annually
$5k
11 Apr 2026
5 Jun 2026
3yr term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
5.15%
Current
Annually
$5k
30 Sep 2026
—
4.90%
Current
Monthly
$5k
30 Sep 2026
—
5.05%
Annually
$5k
23 Jul 2026
30 Sep 2026
4.80%
Monthly
$5k
23 Jul 2026
30 Sep 2026
5.15%
Annually
$5k
16 Jul 2026
23 Jul 2026
4.90%
Monthly
$5k
16 Jul 2026
23 Jul 2026
5.00%
Monthly
$5k
5 Jun 2026
16 Jul 2026
5.25%
Annually
$5k
5 Jun 2026
16 Jul 2026
5.20%
Monthly
$5k
11 Apr 2026
5 Jun 2026
5.45%
Annually
$5k
11 Apr 2026
5 Jun 2026
5yr term
Rate p.a.
Interest paid
Min deposit
Valid from
Valid to
4.90%
Current
Monthly
$5k
30 Sep 2026
—
5.35%
Current
Annually
$5k
30 Sep 2026
—
5.15%
Annually
$5k
23 Jul 2026
30 Sep 2026
4.70%
Monthly
$5k
23 Jul 2026
30 Sep 2026
5.35%
Annually
$5k
16 Jul 2026
23 Jul 2026
4.90%
Monthly
$5k
16 Jul 2026
23 Jul 2026
5.00%
Monthly
$5k
11 Apr 2026
16 Jul 2026
5.45%
Annually
$5k
11 Apr 2026
16 Jul 2026
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