1 live product
Heartland Bank
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
Finding the best rates…
Bank One
Best available
Up to 4.25% p.a.
Line-up
1 live product
Compare Heartland Bank and UBank savings accounts side by side. In March 2026, Heartland Bank offers 1 account with rates up to 4.25% p.a., while UBank has 1 account reaching 5.35% p.a. UBank currently leads by 1.10%.
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
1 live product
Best available rate
Save Account
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.00%
Bonus
4.60%
Conditions
Bonus rules apply
Live edge
UBank leads on headline savings rate by 1.10% 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 | Heartland Bank | UBank |
|---|---|---|
| Max rate | 4.25% | 5.35% |
| Base rate | 4.25% | 0.00% |
| Bonus rate | 0.00% | 4.60% |
| Has conditions | No | Yes |
Every tracked savings accounts option from Heartland Bank.
Every tracked savings accounts option from UBank.
In March 2026, Heartland Bank's MySavings Account offers up to 4.25% p.a., while UBank's Save Account reaches 5.35% p.a.. UBank currently leads by 1.10% p.a.
UBank's top rate requires meeting bonus conditions each month, while Heartland Bank offers its rate with no ongoing requirements. UBank's rate includes an introductory component for 4 months. UBank's rate applies on balances up to $1,000,000.
Heartland Bank has 1 savings product and UBank has 1, giving you a range of options to compare.
| Feature | Heartland Bank | UBank |
|---|---|---|
| Max Rate | 4.25% | 5.35% |
| Base Rate | 4.25% | 0.00% |
| Bonus Rate | 0.00% | 4.60% |
| Conditions Required |
Common Questions
UBank currently offers the higher rate at 5.35% p.a., compared to 4.25% p.a. Rates are sourced from live data and change frequently.
Heartland Bank's best savings rate is 4.25% p.a. on the MySavings Account.
UBank's best savings rate is 5.35% p.a. on the Save Account. This rate requires meeting monthly bonus conditions.
Heartland Bank's top rate has no ongoing conditions, while UBank requires meeting bonus conditions each month to earn the full advertised rate.
Bank Two
Best available
Up to 5.35% p.a.
Line-up
1 live product
| No |
| Yes |
| Balance Cap | $300,000 | $1,000,000 |
UBank currently offers a 1.10% higher savings rate.
Based on current rates, UBank pays approximately $550 more in interest per year on a $50,000 balance. This is based on the headline rate difference of 1.10% p.a.
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