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 Unity Bank
Compare Heritage Bank and Unity Bank savings accounts side by side. In March 2026, Heritage Bank offers 1 account with rates up to 4.10% p.a., while Unity Bank has 1 account reaching 4.00% p.a. Heritage Bank currently leads by 0.10%.
VS
1 live product
Unity Bank
Best available rate
4.00%p.a.
MoneyMAX Account
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
4.00%
Bonus
0.00%
Conditions
No monthly hoops
Live edge
Heritage 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.
0.10% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Heritage Bank | Unity Bank |
|---|---|---|
| Max rate | 4.10% | 4.00% |
| Base rate | 2.70% | 4.00% |
| Bonus rate | 0.00% | 0.00% |
| Has conditions | No | No |
All Heritage Bank Products
Every tracked savings accounts option from Heritage Bank.
All Unity Bank Products
Every tracked savings accounts option from Unity Bank.
In March 2026, Heritage Bank's Online Saver offers up to 4.10% p.a., while Unity Bank's MoneyMAX Account reaches 4.00% p.a.. Heritage Bank currently leads by 0.10% p.a.
Heritage Bank's rate includes an introductory component for 4 months. Heritage Bank's rate applies on balances up to $100,000.
Heritage Bank has 1 savings product and Unity Bank has 1, giving you a range of options to compare.
Quick Comparison
| Feature | Heritage Bank | Unity Bank |
|---|---|---|
| Max Rate | 4.10% | 4.00% |
| Base Rate | 2.70% | 4.00% |
| Bonus Rate | 0.00% | 0.00% |
| Conditions Required | No |
Common Questions
Heritage Bank vs Unity Bank FAQs
Which bank has the better savings rate, Heritage Bank or Unity Bank?
Heritage Bank currently offers the higher rate at 4.10% p.a., compared to 4.00% 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 Unity Bank's best savings account rate in 2026?
Unity Bank's best savings rate is 4.00% p.a. on the MoneyMAX Account.
Do Heritage Bank and Unity Bank savings accounts have conditions?
Neither Heritage Bank nor Unity Bank requires ongoing conditions for their top savings rates.