Savings account

Dream Fund

Current savings rate from People First Bank. Compare the ongoing rate, bonus conditions, introductory offers, and eligibility in one place.

4.75% p.a.
ongoing rate
Rate breakdown
Base rate: 0.01%
Bonus rate: + 4.74%
How to earn it

Bonus interest paid in any month the account balance grows (not including interest credits)

Bonus rate applies on balances up to $100,000

+3.89% — Bonus interest paid in any month the account balance grows (not including interest credits)

Rate current since 5 May 2026.

What to know

This page focuses on the ongoing rate: 4.75% p.a. That is the rate after any honeymoon period ends.

To earn the full rate, you need to meet these conditions: Bonus interest paid in any month the account balance grows (not including interest credits)

The bonus component is capped at $100,000.