Money / Banks
People First and Heritage Bank
What People First and Heritage Bank publishes about its products under the Consumer Data Right, as at 16 October 2026. For current details, check People First and Heritage Bank's own website.
Savings and transaction accounts
Rates for a $10,000 balance. Compare with other banks.
| Account | If you miss the conditions | Bonus | With the bonus | What you have to do |
|---|---|---|---|---|
| Business Access Account | 0.01% | – | 0.01% | No bonus |
| Community and Business Saver | 1.35% | – | 1.35% | No bonus |
| Dream Fund | 0.01% | 5.54% | 5.55% | The bank's data doesn't say. Bonus only on balances up to $100,000 In the bank's wordsInterest is calculated daily on the portion of the balance within each balance bracket. |
| Online Saver Account | 3.20% | 1.40% | 4.60% | The bank's data doesn't say. Bonus only on balances up to $100,000 In the bank's words*The Bonus Intro Rate is the current standard variable rate plus a 4 month Bonus Intro Rate, and applies only on balances up to $100,000. The standard variable rate applies to amounts over $100,000.To qualify, new members must open an Online Saver account with a linked eligible account within sixty (60) days of membership opening. An eligible account means a Simply Access (S1), Pension Plus (S65) or Business Access (S13) account. The Bonus Intro Rate applies for 4 months starting on the day the online saver account is opened, after which the Bonus Intro Rate will no longer apply. The Bonus... |
| Simply Access Transaction Account | 0.01% | – | 0.01% | No bonus |
| Target Bonus Account | 0.01% | 4.24% | 4.25% |
In the bank's wordsBonus Interest applied if at least one deposit and no withdrawals are made during the month. Bonus Interest is calculated on minimum monthly balance. |
| Youth Simply Access Transaction Account | 0.01% | – | 0.01% | No bonus |
| Youth Target Bonus Account | 0.01% | 4.24% | 4.25% |
In the bank's wordsBonus Interest applied if at least one deposit and no withdrawals are made during the month. Bonus Interest is calculated on minimum monthly balance. |
Term deposits
The rate for $10,000 (or the smallest deposit it takes). Compare with other banks.
| Product | 3 months | 6 months | 12 months | 24 months | Smallest deposit |
|---|---|---|---|---|---|
| Term Deposit | 4.00% | 5.00% | 5.20% | 5.25% | $5,000 |
| Term Deposit | 4.00% | 5.00% | 5.20% | 5.25% | $1,000 |
Home loans
Owner-occupier, principal and interest, borrowing 80% of the home's value. Compare with other banks.
| Loan | Variable | Comparison |
|---|---|---|
| Basic Variable Home Construction changed 13 Oct | 8.43% | 8.43% |
| Basic Variable Home Loan changed 13 Oct | 8.43% | 8.43% |
| Discount Variable - Owner Occupied changed 13 Oct | 6.34% | 6.35% |
| Fee Assistance Loan - Sub | 0.00% | – |
| Home Build Access (HBA) SIL | 9.05% | – |
| Staff Home Loan changed 13 Oct | 8.18% | – |
| Standard Fixed Rate Home Loans - Owner Occupied changed 13 Oct | – | – |
Credit cards
| Card | Purchases | Annual fee | Owing $2,000 |
|---|---|---|---|
| Secured Business Visa Credit Card | 10.65% | $45 | $258 |
| Unsecured Business Visa Credit Card | 12.95% | $45 | $304 |
| Visa Credit Card | 12.95% | $59 | $318 |
Other products in these groups
These don't list rates we can show in a table (for example, accounts that pay no interest).
- Basic Variable Investment Construction Home loans
- Basic Variable Investment Construction - IO Home loans
- Basic Variable Investment Loan Home loans
- Basic Variable Investment Loan - Interest Only Home loans
- Community and Business Access Savings and transaction accounts
- Discount Variable - Investment Home loans
- Everyday Account Savings and transaction accounts
- Fixed Home Loan Home loans
- Fixed Investment Loan Home loans
- Fixed Investment Loan - Interest Only Home loans
- Home Build Access (HBA) Deposit Assist Loan Home loans
- Home Build Access (HBA) Low Deposit Home loans
- Mortgage crusher Savings and transaction accounts
- Offset Savings and transaction accounts
- Standard Fixed Rate Home Loans - Investment Home loans
Rates changed on 838 products since 12 October 2026. Each one is marked "changed" below.
General information, not advice. This shows what banks publish. It doesn't recommend any product, and the order of a table is not a ranking. Rates change, so check the bank's own page for current details before you decide anything.
Source: People First and Heritage Bank product data, published under the Consumer Data Right, as at 16 October 2026. Every product name links to its page at People First and Heritage Bank, which has the current details.