1 live product
BCU Bank
Best available rate
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…
Bank One
Best available
Up to 4.75% p.a.
Line-up
1 live product
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%.
1 live product
Best available rate
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
1 live product
Best available rate
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.
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 |
Every tracked savings accounts option from BCU Bank.
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.
| 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 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.
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.
Heritage Bank's best savings rate is 4.10% p.a. on the Online Saver.
Heritage Bank's top rate has no ongoing conditions, while BCU Bank requires meeting bonus conditions each month to earn the full advertised rate.
Bank Two
Best available
Up to 4.10% p.a.
Line-up
1 live product
| Conditions Required |
| Yes |
| No |
| Balance Cap | $100,000 | $100,000 |
BCU Bank currently offers a 0.65% higher savings rate.
Based on current rates, BCU Bank pays approximately $325 more in interest per year on a $50,000 balance. This is based on the headline rate difference of 0.65% p.a.
Keep Comparing
Keep Comparing