Heartland Cash and Term PIE Fund

The tax-efficient way to deposit

Higher rate tax payer? The Heartland Cash and Term PIE Funds enable you to make an investment in a tax-efficient way.

Learn More View rates

Our PIE Funds

Heartland Term PIE
  • Fixed rate, six to 60 month term investment
  • Returns either direct credited or compounded quarterly
  • Ideal if you are currently paying 30-33% resident withholding tax (RWT) as your returns are taxed at your Prescribed investor Rate (PIR) which is capped at 28%
  • Call us today on 0800 85 20 20
Heartland Cash PIE
  • Variable rate investment with easy access to funds while earning a competitive return
  • Returns earned daily and compounded monthly
  • Ideal if you are currently paying 30-33% resident withholding tax (RWT) as your returns are taxed at your Prescribed investor Rate (PIR) which is capped at 28%
  • Call us today on 0800 85 20 20
View all rates

Questions? We have answers

Yes, you can have interest paid to any New Zealand bank account of your choice.

Negotiated rates are available for amounts over $250,000. Please call our Investments Team on 0800 85 20 20 for a quote.

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

More information

For further information, please refer to the Heartland Cash and Term PIE Fund Fact Sheet and Heartland’s Account and Service General Terms and Conditions. Click here to get a copy or call us on 0800 85 20 20.

Heartland PIE Fund Limited is the Manager of the Fund. The Fund invests in an interest-bearing unsecured deposit account with Heartland Bank Limited. Investments are held by the Fund’s independent trustee, The New Zealand Guardian Trust Company Limited. Investments in the Fund do not constitute deposits of Heartland Bank Limited. No person guarantees the Fund’s performance or payment of returns.

Visit your local Heartland Bank retail office or contact us today to chat about which account or deposit is right for you.

Rates are subject to change. Terms and conditions are available here.