Savings and investment rates

Our savings account rates

TeleNet Saver
Rate type Variable rate
Variable introductory rate (for first four months on balances up to $5,000,000) 2 2.70% p.a.
Variable standard interest rate
1.50% p.a.
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Hero saver
Rate type Variable rate
Hero rate (on balances up to $250,000) 1 2.60% p.a.
Standard rate (on balances from $250,000 to $5,000,000) 0.01% p.a.
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Interest is calculated at the applicable rate on the portion of the balance which falls within each of the tiers.
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Smart eSaver
Rate type Variable rate
Smart rate (on balances up to $500,000) 1 2.05% p.a.
Smart rate (on balances from $500,000 to $5,000,000) 1 1.70% p.a.
Standard rate 0.01% p.a.
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Interest is calculated at the applicable rate on the portion of the balance which falls within each of the tiers.
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Kids' Bonus Saver
Rate type Variable rate
Bonus interest rate 1 4.75% p.a.
Standard interest rate 0.01% p.a.
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Children's Savings Account
Balance Variable rate
$0 to $2,999.99 0.75% p.a.
$3,000 to $9,999.99 1.25% p.a.
$10,000 to $19,999.99 1.70% p.a.
Over $20,000 2.50% p.a.
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Interest is calculated at the applicable rate on the entire balance.
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Regular Saver
Rate type Variable rate
Bonus interest 1 2.55% p.a.
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Instant saver
Balance Variable rate
All balances 0.05% p.a.
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Rates are subject to change.
For more information about choosing the right account for you, please refer to The Smarter Banking Booklet (PDF) - produced by the Australian Bankers' Association.

Our term deposit rates

Online Term Deposit (also known as tddirect)
Term Maturity/Annually Half-yearly Quarterly Monthly
1 month 1.50 % p.a. - - -
2 months 1.50% p.a. - - -
3 months 2.35% p.a. - - -
4 months 1.50% p.a. - - -
5 months 1.50% p.a. - - -
6 months 2.50% p.a. - - -
7 months 1.50% p.a. - - -
8 months 1.50% p.a. - - -
9 months 1.50% p.a. - - -
10 months 1.50% p.a. - - -
11 months 1.50% p.a. - - -
12 months 2.55% p.a. 2.53% p.a. 2.53% p.a. 2.52% p.a.
24 months 2.60% p.a. 2.58% p.a. 2.58% p.a.
2.57% p.a.
36 months 2.60% p.a.
2.58% p.a.
2.58% p.a.
2.57% p.a.
48 months 2.65% p.a.
2.63% p.a.
2.62% p.a.
2.62% p.a.
60 months 2.65% p.a.
2.63% p.a.
2.62% p.a.
2.62% p.a.
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Rates apply for investment amounts from $1,000 to $5,000,000.
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Gold Term Deposit
Term Maturity/Annually
Half-yearly Quarterly Monthly
1 month 1.50% p.a. - - -
2 months 1.50% p.a. - - -
3 months 1.50% p.a. - - -
4 months 2.35% p.a. - - -
5 months 1.50% p.a. - - -
6 months 1.50% p.a. - - -
7 months 1.50% p.a. - - -
8 months 2.50% p.a. - - -
9 months 1.50% p.a. - - -
10 months 1.50% p.a. - - -
11 months 1.50% p.a. - - -
12 months 2.55% p.a.
2.53% p.a.
2.53% p.a.
2.52% p.a.
24 months 2.60% p.a.
2.58% p.a.
2.58% p.a.
2.57% p.a.
36 months 2.60% p.a.
2.58% p.a.
2.58% p.a.
2.57% p.a.
48 months 2.65% p.a.
2.63% p.a.
2.62% p.a.
2.62% p.a.
60 months 2.65% p.a.
2.63% p.a.
2.62% p.a.
2.62% p.a.
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Rates apply for investment amounts from $5,000 to $2,000,000.
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TD at Call
Term Maturity/Annually Half-yearly Quarterly Monthly
1-31 days 0.25% p.a.
- - -
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Rates current as at 4 August 2017 and are subject to change.
For more information about choosing the right account for you, please refer to The Smarter Banking Booklet (PDF) - produced by the Australian Bankers' Association.

Things you should know

  1. This rate applies when bonus conditions are met, view product page for more details.
  2. New TeleNet Saver customers only.