Savings and Deposits

What can we help you save for?

Rainy day or retirement? Income or growth? Whatever you’re saving for, and whatever kind of saver you are, we’re here to put your money to work.

Apply online View rates

Our Top Picks

Term % p.a.
Direct Call On call 2.75
top pick
Boost Saver 4 mths 3.25
Term Deposit 6 mths 3.45
Term Deposit 9 mths 3.50

Start your application

Flexible, funds on call
2.75% p.a.

Rates are subject to change without notice.

3 ways to invest


Complete the easy online application anytime, anywhere.


Fill out an application form and email to or post to: Investments Team, PO Box 9919, Newmarket, Auckland 1149


Call us today on
0800 85 20 20

Why choose Heartland?


(Outlook Stable) Credit Rating from Fitch Ratings


for New Zealand


years' experience managing Kiwi's money

View our Heartland Account & Service fee guide

View Service Fee Guide

Read our Credit Rating and find out how it relates to you

View Credit Rating

Go to our Documents and Forms page to view and download

View Documents & Forms

Summary of Terms & Conditions for our investment accounts

View Terms & Conditions

Can't find what you're looking for?

We have a great team standing by to answer any of your investment questions.

Contact us

Talk to our friendly staff about the right option for you, or click here for a copy of our latest Disclosure Statement, brochures, product fact sheets and application forms.
*Rates are subject to change. Terms and conditions are available here.