Savings account
Dream Fund — People First Bank (formerly People's Choice)
Current savings rate from People First Bank. Compare the ongoing rate, bonus conditions, and eligibility in one place.
Dream Fund
View on bank website ↗Interest is calculated daily on the portion of the balance within each balance bracket. When the closing balance of your account on the last day of the month, excluding any interest credited to your account on that day, is greater than the opening balance of your account for that month, we will pay you bonus interest (this means we will calculate interest at a bonus rate in relation to that month).
5.15% up to $100,000, then 4.15% above that
Rate History
The Dream Fund rate has not changed since we started tracking on 2 Jun 2026. Current rate: 5.15% p.a.
| From | To | Ongoing rate p.a. |
|---|---|---|
| 2 Jun 2026 | — | 5.15% Current |
What to know
This page focuses on the ongoing rate: 5.15% p.a.
To earn the full rate, you need to meet these conditions: Interest is calculated daily on the portion of the balance within each balance bracket. When the closing balance of your account on the last day of the month, excluding any interest credited to your account on that day, is greater than the opening balance of your account for that month, we will pay you bonus interest (this means we will calculate interest at a bonus rate in relation to that month).
If you miss the conditions in a given month, you earn only the base rate: 0.01% p.a.
On balances above $100,000, the rate steps down to 4.15% p.a. — it doesn't stop, but the top rate only applies up to that balance.
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The information on this page is general in nature and does not constitute financial advice. Rates are subject to change — verify directly with the provider before making a financial decision.