1 live product
BCU Bank
Best available rate
4.75%p.a.
Boss Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.20%
Bonus
4.55%
Conditions
Bonus rules apply
Finding the best rates…
Savings Accounts Comparison
Bank One
BCU Bank
Best available
Up to 4.75% p.a.
Line-up
1 live product
VS
BCU Bank vs Heritage Bank
Compare BCU Bank and Heritage Bank savings accounts side by side. In March 2026, BCU Bank offers 1 account with rates up to 4.75% p.a., while Heritage Bank has 1 account reaching 4.10% p.a. BCU Bank currently leads by 0.65%.
VS
1 live product
Heritage Bank
Best available rate
4.10%p.a.
Online Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
2.70%
Bonus
0.00%
Conditions
No monthly hoops
Live edge
BCU Bank leads on headline savings rate by 0.65% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.65% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | BCU Bank | Heritage Bank |
|---|---|---|
| Max rate | 4.75% | 4.10% |
| Base rate | 0.20% | 2.70% |
| Bonus rate | 4.55% | 0.00% |
| Has conditions | Yes | No |
All BCU Bank Products
Every tracked savings accounts option from BCU Bank.
All Heritage Bank Products
Every tracked savings accounts option from Heritage Bank.
In March 2026, BCU Bank's Boss Saver offers up to 4.75% p.a. (0.20% base + 4.55% bonus), while Heritage Bank's Online Saver reaches 4.10% p.a.. BCU Bank currently leads by 0.65% p.a.
BCU Bank's top rate requires meeting bonus conditions each month, while Heritage Bank offers its rate with no ongoing requirements. Heritage Bank's rate includes an introductory component for 4 months. BCU Bank's rate applies on balances up to $100,000.
BCU Bank has 1 savings product and Heritage Bank has 1, giving you a range of options to compare.
Quick Comparison
| Feature | BCU Bank | Heritage Bank |
|---|---|---|
| Max Rate | 4.75% | 4.10% |
| Base Rate | 0.20% | 2.70% |
| Bonus Rate | 4.55% | 0.00% |
Common Questions
BCU Bank vs Heritage Bank FAQs
Which bank has the better savings rate, BCU Bank or Heritage Bank?
BCU Bank currently offers the higher rate at 4.75% p.a., compared to 4.10% p.a. Rates are sourced from live data and change frequently.
What is BCU Bank's best savings account rate in 2026?
BCU Bank's best savings rate is 4.75% p.a. on the Boss Saver, consisting of a 0.20% base rate and 4.55% bonus rate. This rate requires meeting monthly bonus conditions.
What is Heritage Bank's best savings account rate in 2026?
Heritage Bank's best savings rate is 4.10% p.a. on the Online Saver.
Do BCU Bank and Heritage Bank savings accounts have conditions?
Heritage Bank's top rate has no ongoing conditions, while BCU Bank requires meeting bonus conditions each month to earn the full advertised rate.