1 live product
Heartland
Best match at selected term
4.93%p.a.
Term Deposit
Pays maturity across a 12-month term.
Term
12 months
Payout
maturity
Min deposit
$5,000
Finding the best rates…
Term Deposits Comparison
Bank One
Heartland
Best available
Up to 4.93% p.a.
Line-up
1 live product
VS
Heartland vs HSBC
Compare Heartland and HSBC term deposits in March 2026. Heartland offers rates up to 4.93% p.a. across 9 term lengths, while HSBC reaches 4.25% p.a. across 18 terms.
Tune The Comparison
$
VS
1 live product
HSBC
Best match at selected term
3.40%p.a.
AUD Term Deposit
Pays maturity across a 12-month term.
Term
12 months
Payout
maturity
Min deposit
$5,000
Live edge
Heartland currently pays 1.53% more at 12 months, worth about $153 extra on $10,000.
1.53% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Heartland | HSBC |
|---|---|---|
| Rate at selected term | 4.93% | 3.40% |
| Best headline rate | 4.93% | 4.25% |
| Minimum deposit | $5,000 | $5,000 |
| Interest payment | maturity | maturity |
| Terms available | 14 | 18 |
All Heartland Products
Every tracked term deposits option from Heartland.
All HSBC Products
Every tracked term deposits option from HSBC.
Heartland's best term deposit rate is 4.93% p.a. across 14 variants, while HSBC offers up to 4.25% p.a. across 18 variants. Heartland pays 0.68% more, earning you an extra $340 on a $50,000 deposit over 12 months.
Heartland offers terms of 1 month, 3 months, 6 months, 9 months, 1 year, 2 years, 3 years, 4 years, 5 years, while HSBC covers 1 month, 2 months, 3 months, 4 months, 5 months, 6 months, 7 months, 8 months, 9 months, 10 months, 11 months, 1 year, 1.25 years, 1.5 years, 2 years, 3 years, 4 years, 5 years.
Quick Comparison
| Feature | Heartland | HSBC |
|---|---|---|
| Best Rate | 4.93% | 4.25% |
| Min Deposit | $5,000 | $5,000 |
| Terms Available | 9 | 18 |
| Payment Options | maturity, annually, monthly |
Common Questions
Heartland vs HSBC FAQs
Which bank has the better term deposit rate, Heartland or HSBC?
Heartland currently offers the higher rate at 4.93% p.a. Compare specific terms and deposit amounts for the most accurate comparison.
What term deposit rates does Heartland offer in 2026?
Heartland's best term deposit rate is 4.93% p.a. They offer 9 different term lengths.
What term deposit rates does HSBC offer in 2026?
HSBC's best term deposit rate is 4.25% p.a. They offer 18 different term lengths.
How much more interest can I earn with Heartland on a $50,000 term deposit?
At current rates, Heartland pays approximately $340 more per year on a $50,000 deposit, based on their 0.68% rate advantage.