Savings Accounts1
| Easy Access Account (S1) | |
|---|---|
| $0 to $499 | |
| $500 to $20,000 | |
| $20,001 to $50,000 | |
| $50,001 or more | |
| Budget Manager Account (S2) | |
|---|---|
| Whole Balance | |
| Christmas Club Account (S3) | |
|---|---|
| Whole Balance | |
| Insurance Saver Account (S6) | |
|---|---|
| $0 to $499 | |
| $500 to $20,000 | |
| $20,001 to $50,000 | |
| $50,001 or more | |
| Online SuperSaver Account+ (S8) | |
|---|---|
| $0 to $499 | |
| $500 to $5,000 | |
| $5,001 or more | |
| Savings Plus Account (S10) | |
|---|---|
| $0 to $499 | |
| $500 to $2,000 | |
| $2,001 to $10,000 | |
| $10,001 to $30,000 | |
| $30,001 or more | |
| Safeguard Account (S11) | |
|---|---|
| $0 to $499 | |
| $500 to $20,000 | |
| $20,001 to $50,000 | |
| $50,001 or more | |
| Market Linked Account (S15) | |
|---|---|
| Fluctuates in accordance with weekly money market trends. A minimum of $5,000 to be maintained [Note: $0 to $4,999 at 0.25%] | Call 134 374 to obtain current interest rate |
| Retirement Plus (S17) | |
|---|---|
| Whole Balance | |
| Bonus Saver Account2 (S23) | |
|---|---|
| $0 to $499 | |
| $500 to $10,000 | |
| $10,001 or more | |
| Bonus Rate3 | |
| Dynamo/Flex Savings Account23 (S24) | |
|---|---|
| $0 to $499 | |
| $500 or more | |
| Bonus Rate3 | |
Home Loans
How Fixed and Variable Interest Rates Work| Special Offer Goldrate Home Loan24^ (L21) | |
|---|---|
| Variable Rate | Comparison Rate* |
| Goldrate Home Loan4 (L21) | |
|---|---|
| Variable Rate | Comparison Rate* |
| Value Home Loan5 (L24) | |
|---|---|
| 2 Year Fixed Rate6 | Comparison Rate* |
| 3 Year Fixed Rate7 | Comparison Rate* |
| 5 Year Fixed Rate8 | Comparison Rate* |
| Variable Rate9 | Comparison Rate* |
| Premium Home Loan^ (L26) - Owner Occupied | |
|---|---|
| 2 Year Fixed Rate10 | Comparison Rate* |
| 3 Year Fixed Rate11 | Comparison Rate* |
| 5 Year Fixed Rate12 | Comparison Rate* |
| Variable Rate13 | Comparison Rate* |
| Interest Only Variable Rate14 | Comparison Rate* |
| Premium Home Loan15 (L26) - Investment Purpose | |
|---|---|
| 2 Year Fixed Rate | Comparison Rate* |
| 3 Year Fixed Rate | Comparison Rate* |
| 5 Year Fixed Rate | Comparison Rate* |
| Variable Rate | Comparison Rate* |
| Interest Only Variable Rate15 | Comparison Rate* |
| Premium Bridging Loan16 (L26) | |
|---|---|
| Variable Rate | Comparison Rate* |
Personal Loans
How Fixed and Variable Interest Rates Work| Easy Access Overdraft17 (S1) |
|---|
| Green Loan18 (L9) | |
|---|---|
| Fixed Rate | Comparison Rate* |
| Personal Loan | |
|---|---|
| Fixed Rate19 (L89) | Comparison Rate* |
| Variable Rate20 (L9) | Comparison Rate* |
| Driveaway Car Loan (L9) | |
|---|---|
| Fixed Rate21 | Comparison Rate* |
Business Loan
Business Loan25 (L91)| Unsecured |
| Secured |
Term Deposits1
| Interest Paid at Maturity | ||
|---|---|---|
| I1 – 3 months | $1,000 to $9,999 | |
| I5 – 3 months | $10,000 or more | |
| I5 – 4 months | $10,000 or more | |
| I5 – 5 months | $10,000 or more | |
| I25 – 6 months | $10,000 or more | |
| I5 – 7 months | $10,000 or more | |
| I12 – 12 months | $10,000 or more | |
| Interest Paid Every Six Months | ||
|---|---|---|
| I29 – 24 months | $10,000 or more | |
| I31 – 36 months | $10,000 or more | |
| I32 – 48 months | $10,000 or more | |
| I33 – 60 months | $10,000 or more | |
| Interest Paid Every Month | ||
|---|---|---|
| I2 – 3 months | $1,000 to $9,999 | |
| I3 – 3 months | $10,000 or more | |
| I10 – 6 months | $10,000 or more | |
| I24 – 12 months | $10,000 or more | |
| I52 – 24 months | $10,000 or more | |
| I53 – 36 months | $10,000 or more | |
| I54 – 48 months | $10,000 or more | |
| I55 – 60 months | $10,000 or more | |
| Special Investment Accounts | ||
|---|---|---|
| I60 - 2 months | $20,000 or more | |
| I63 - 30 months22 (Interest paid monthly to a savings account) | $20,000 or more | |
Edvest Term Deposits
(only available to members of the Edvest Service)| Interest Paid at Maturity | ||
|---|---|---|
| I51 – 3 months | $1,000 or more | |
| I4 – 3 months | $10,000 or more | |
| I4 – 4 months | $10,000 or more | |
| I4 – 5 months | $10,000 or more | |
| I23 – 6 months | $1,000 or more | |
| I4 – 7 months | $10,000 or more | |
| I22 - 12 months | $1,000 or more | |
| Regular Income Plus (interest paid fortnightly) | ||
|---|---|---|
| I45 – 6 months | $5,000 or more | |
| I46 – 12 months | $5,000 or more | |
| I47 – 18 months | $5,000 or more | |
| I48 – 24 months | $5,000 or more | |
| I49 – 36 months | $5,000 or more | |
| Interest Paid Six Monthly | ||
|---|---|---|
| I58 - 24 months | $10,000 or more | |
Edvest Savings Accounts
| Redifund Plus (S21) | |
|---|---|
| Plus bonus rate on market linked rate. A minimum of $5,000 to be maintained at all times. [Note: $0 to $4,999 at 0.25%] | Call 134 374 to obtain current interest rate |
Terms & Conditions
Ref:
Effective date: . Full terms and conditions available on application. Fees and Charges apply. For credit products lending criteria apply.
+ Products that do not contribute to Reduced Fees Program. See Reduced Fees Program for full terms and conditions.
* For all Bank of Heritage Isle Home Loans, the comparison rate is based on a loan of $150,000 over a 25 year term. For all Bank of Heritage Isle Car and Personal Loans, the comparison rate is based on a loan of $30,000 over a 5 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
^ Investment real estate lending is not available.
1. Applicable as at for (S) and for (I) type accounts. Interest rates for (S) and (I) type accounts are subject to change without notice.
2. Bonus Saver Account applicable as at .
3. Bonus rates are paid on top of standard rates if monthly criteria is met. Dynamo/Flex Savings Account: Bonus rate of interest applies if no withdrawals and a minimum deposit of $20 is made within a month. Bonus Saver Account: Bonus rate of interest applies if no withdrawals and a minimum deposit of $100 is made within a month.
4. Goldrate Home Loan rates applicable as at for new business.
5. Rate discounted against Premium Home Loan. Investment real estate lending is not available.
6. Value 2 Year Fixed Home Loan applicable as at for new business. Available for principal and interest loans only.
7. Value 3 Year Fixed Home Loan applicable as at for new business. Available for principal and interest loans only.
8. Value 5 Year Fixed Home Loan applicable as at for new business. Available for principal and interest loans only.
9. Value Home Loan applicable as at for new business.
10. Premium 2 Year Fixed Home Loan applicable as at for new business. Available for principal and interest loans only.
11. Premium 3 Year Fixed Home Loan applicable as at for new business. Available for principal and interest loans only.
12. Premium 5 Year Fixed Home Loan applicable as at for new business. Available for principal and interest loans only.
13. Premium Home Loan applicable as at for new business. Available for principal and interest loans only.
14. Premium Interest Only (Owner Occupied) Home Loan applicable as at for new business.
15. Premium Interest Only (Investment) Home Loans applicable as at for new business.
16. Premium Bridging Home Loan applicable as at for new business.
17. Visa Credit Card and Easy Access Overdraft applicable as at for new business.
18. Green Loan applicable as at for new business. For a detailed list of items available to purchase using the Green Loan visit the Green Loan page.
19. Fixed Rate Personal Loan applicable as at for new business.
20. Variable Rate Personal Loan applicable as at for new business.
21. Fixed Rate Driveaway Car Loan applicable as at for new business.
22. I63 Investment Account Interest paid monthly to a savings account.
23. Dynamo/Flex Savings Account applicable as at .
24. Special Offer Goldrate Home Loan applicable as at . Only available to new owner-occupied borrowers who apply between 1/3/19– 28/6/19 and have their loan funded by 20/9/19
25. These rates are negotiable based on individual applications. Please contact Bank of Heritage Isle for further details.
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