Savings Accounts & Term Deposits

SAVINGS AND DEPOSITS

Save in a way that suits you

Are you ready to make the most of your savings? With a range of tailored products to suit your financial goals, we’re here to help you grow your hard-earned money. Choose the option that best fits your needs, and let us help you achieve great returns with ease and confidence.

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call & savings accounts

32 DAY NOTICE SAVER

4.25 % P.A.

. No need to switch banks
. Open an account in minutes
. Competitive interest rate

Open Account

YOU CHOOSE

0.50 % P.A.

. EFTPOS card included
. No fees
. No minimum balance or limit on transactions

Open Account

BUSINESS CALL

3.60 % P.A.

. No fees, no minimum balance
. Unlimited withdrawals
. Complements transactional bank account

Open Account

Frequently Asked Questions

Have Any Questions?

What are the bank's hours of operation?
Where are the bank's branches and ATMs located?
How can I contact customer service?

Absolutely! New customers can easily open a YouChoose, Notice Saver, or Direct Call Account online. Existing customers can open new accounts or Term Deposits by logging into Heartland Digital or using the Heartland Mobile App.

No, deposits with banks in New Zealand are not guaranteed by the Government.

Yes, you can. Individuals, companies, and trusts can specify the income tax rate to be deducted from interest earned on savings accounts, including the 39% top income tax rate. If you don’t provide a preferred rate, we’ll apply a default of 33% for individuals and trusts, and 28% for companies. Without an IRD number, the rate defaults to 45%, regardless of your selection.

As of May 2020, Heartland Bank holds a credit rating of BBB (Outlook Stable) from Fitch Ratings. This ‘investment grade’ rating reflects our strong financial position. You can learn more about our credit rating here.

No, Heartland Bank became a registered bank in December 2012. We were proud to be the first New Zealand registered bank listed on the NZX Main Board.

SAVINGS AND DEPOSITS