Heartland Bank

Heartland Bank offers rates ranging from 2.1% to 5.55% p.a. across nine terms. The best rate of 5.55% p.a. applies to 12-month deposits with a $5000 minimum. Rates peak at 12 months then plateau at 5.45% p.a. for all longer terms from two to five years. Shorter terms under 12 months show progressive rate increases, with the 9-month term at 5.45% p.a. The one-month term requires a higher $100,000 minimum deposit.