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
Finding the best rates…
Savings Accounts Comparison
Bank One
Heritage Bank
Best available
Up to 4.10% p.a.
Line-up
1 live product
VS
Heritage Bank vs People's Choice
Compare Heritage Bank and People's Choice savings accounts side by side. In March 2026, Heritage Bank offers 1 account with rates up to 4.10% p.a., while People's Choice has 1 account reaching 4.50% p.a. People's Choice currently leads by 0.40%.
VS
1 live product
People's Choice
Best available rate
4.50%p.a.
Dream Fund
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.01%
Bonus
4.49%
Conditions
Bonus rules apply
Live edge
People's Choice leads on headline savings rate by 0.40% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.40% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Heritage Bank | People's Choice |
|---|---|---|
| Max rate | 4.10% | 4.50% |
| Base rate | 2.70% | 0.01% |
| Bonus rate | 0.00% | 4.49% |
| Has conditions | No | Yes |
All Heritage Bank Products
Every tracked savings accounts option from Heritage Bank.
All People's Choice Products
Every tracked savings accounts option from People's Choice.
In March 2026, Heritage Bank's Online Saver offers up to 4.10% p.a., while People's Choice's Dream Fund reaches 4.50% p.a. (0.01% base + 4.49% bonus). People's Choice currently leads by 0.40% p.a.
People's Choice'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. People's Choice's rate applies on balances up to $100,000.
Heritage Bank has 1 savings product and People's Choice has 1, giving you a range of options to compare.
Quick Comparison
| Feature | Heritage Bank | People's Choice |
|---|---|---|
| Max Rate | 4.10% | 4.50% |
| Base Rate | 2.70% | 0.01% |
| Bonus Rate | 0.00% | 4.49% |
Common Questions
Heritage Bank vs People's Choice FAQs
Which bank has the better savings rate, Heritage Bank or People's Choice?
People's Choice currently offers the higher rate at 4.50% p.a., compared to 4.10% p.a. Rates are sourced from live data and change frequently.
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.
What is People's Choice's best savings account rate in 2026?
People's Choice's best savings rate is 4.50% p.a. on the Dream Fund, consisting of a 0.01% base rate and 4.49% bonus rate. This rate requires meeting monthly bonus conditions.
Do Heritage Bank and People's Choice savings accounts have conditions?
Heritage Bank's top rate has no ongoing conditions, while People's Choice requires meeting bonus conditions each month to earn the full advertised rate.