Finding the best rates…
Bank One
Best available
Up to 4.35% p.a.
Line-up
1 live product
Compare Australian Military Bank and Heartland Bank savings accounts side by side. In March 2026, Australian Military Bank offers 1 account with rates up to 4.35% p.a., while Heartland Bank has 1 account reaching 4.25% p.a. Australian Military Bank currently leads by 0.10%.
Bank Two
Best available
Up to 4.25% p.a.
Line-up
1 live product
1 live product
Best available rate
Online Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.10%
Bonus
4.25%
Conditions
Bonus rules apply
1 live product
Best available rate
MySavings Account
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
4.25%
Bonus
0.00%
Conditions
No monthly hoops
Live edge
Australian Military Bank leads on headline savings rate by 0.10% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Australian Military Bank | Heartland Bank |
|---|---|---|
| Max rate | 4.35% | 4.25% |
| Base rate | 0.10% | 4.25% |
| Bonus rate | 4.25% | 0.00% |
| Has conditions | Yes | No |
Every tracked savings accounts option from Australian Military Bank.
Every tracked savings accounts option from Heartland Bank.
In March 2026, Australian Military Bank's Online Saver offers up to 4.35% p.a. (0.10% base + 4.25% bonus), while Heartland Bank's MySavings Account reaches 4.25% p.a.. Australian Military Bank currently leads by 0.10% p.a.
Australian Military Bank's top rate requires meeting bonus conditions each month, while Heartland Bank offers its rate with no ongoing requirements. Australian Military Bank's rate applies on balances up to $500,000.
Australian Military Bank has 1 savings product and Heartland Bank has 1, giving you a range of options to compare.
| Feature | Australian Military Bank | Heartland Bank |
|---|---|---|
| Max Rate | 4.35% | 4.25% |
| Base Rate | 0.10% | 4.25% |
| Bonus Rate | 4.25% | 0.00% |
| Conditions Required | Yes | No |
| Balance Cap | $500,000 | $300,000 |
Australian Military Bank currently offers a 0.10% higher savings rate.
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Common Questions
Australian Military Bank currently offers the higher rate at 4.35% p.a., compared to 4.25% p.a. Rates are sourced from live data and change frequently.
Australian Military Bank's best savings rate is 4.35% p.a. on the Online Saver, consisting of a 0.10% base rate and 4.25% bonus rate. This rate requires meeting monthly bonus conditions.
Heartland Bank's best savings rate is 4.25% p.a. on the MySavings Account.
Heartland Bank's top rate has no ongoing conditions, while Australian Military Bank requires meeting bonus conditions each month to earn the full advertised rate.
Based on current rates, Australian Military Bank pays approximately $50 more in interest per year on a $50,000 balance. This is based on the headline rate difference of 0.10% p.a.