Finding the best rates…
Bank One
Best available
Up to 4.75% p.a.
Line-up
1 live product
Compare Teachers Mutual Bank and Up savings accounts side by side. In March 2026, Teachers Mutual Bank offers 1 account with rates up to 4.75% p.a., while Up has 1 account reaching 4.85% p.a. Up currently leads by 0.10%.
1 live product
Best available rate
Starter Saver (Under 30s / Students)
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
4.75%
Bonus
0.00%
Conditions
No monthly hoops
1 live product
Best available rate
Up Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.00%
Bonus
4.85%
Conditions
Bonus rules apply
Live edge
Up 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.
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Teachers Mutual Bank | Up |
|---|---|---|
| Max rate | 4.75% | 4.85% |
| Base rate | 4.75% | 0.00% |
| Bonus rate | 0.00% | 4.85% |
| Has conditions | No | Yes |
Every tracked savings accounts option from Teachers Mutual Bank.
Every tracked savings accounts option from Up.
In March 2026, Teachers Mutual Bank's Starter Saver (Under 30s / Students) offers up to 4.75% p.a., while Up's Up Saver reaches 4.85% p.a.. Up currently leads by 0.10% p.a.
Up's top rate requires meeting bonus conditions each month, while Teachers Mutual Bank offers its rate with no ongoing requirements. Up's rate applies on balances up to $250,000.
Teachers Mutual Bank has 1 savings product and Up has 1, giving you a range of options to compare.
| Feature | Teachers Mutual Bank | Up |
|---|---|---|
| Max Rate | 4.75% | 4.85% |
| Base Rate | 4.75% | 0.00% |
| Bonus Rate | 0.00% | 4.85% |
| Conditions Required |
Common Questions
Up currently offers the higher rate at 4.85% p.a., compared to 4.75% p.a. Rates are sourced from live data and change frequently.
Teachers Mutual Bank's best savings rate is 4.75% p.a. on the Starter Saver (Under 30s / Students).
Up's best savings rate is 4.85% p.a. on the Up Saver. This rate requires meeting monthly bonus conditions.
Teachers Mutual Bank's top rate has no ongoing conditions, while Up requires meeting bonus conditions each month to earn the full advertised rate.
Bank Two
Best available
Up to 4.85% p.a.
Line-up
1 live product
| No |
| Yes |
| Balance Cap | $50,000 | $250,000 |
Up currently offers a 0.10% higher savings rate.
Based on current rates, Up pays approximately $50 more in interest per year on a $50,000 balance. This is based on the headline rate difference of 0.10% p.a.
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