--- title: "People First and Heritage Bank products" description: "Every People First and Heritage Bank product published under Australia's Consumer Data Right — rates, fees, features and eligibility." canonical: https://www.cdrcompare.au/brands/people-first-and-heritage-bank source: "CDR Compare" language: en-AU last_updated: 2026-07-01T12:14:01Z --- # People First and Heritage Bank products > Every People First and Heritage Bank product published under Australia's Consumer Data Right — rates, fees, features and eligibility — on CDR Compare. **Bank** · 44 products People First and Heritage Bank is a CDR data holder in banking. Each product below links to a full page with that product's interest rates, comparison rate where published, fees, features, eligibility criteria and constraints, plus a link to apply with People First and Heritage Bank. ## Transaction & Savings Accounts (12) Everyday banking and savings accounts. - [Youth Target Bonus Account](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/1e57e54b-8df8-4f03-9f61-20ce1ad5b471) — Help your child establish good saving habits with a Heritage Kids Bank Account. - [Target Bonus Account](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/683e6ac4-7cb6-4d1f-a5ae-bddf379a39a5) — Earn bonus interest when you make regular desposits and no withdrawals with a Heritage Target Bonus Account - [Online Saver Account](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/02901be8-7e53-49c8-ae99-097c55c11074) — Manage your savings online with our high interest savings account. - [Business Access Account](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/e12f2793-c7ac-41c9-ad93-065ea3db565c) — Low cost account is designed with small to medium businesses' needs in mind and handles your day-to-day transactions efficiently. - [Simply Access Transaction Account ](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/8e460e86-2487-46fc-bc1b-2c5954fbb71b) — A transaction account with no monthly fee designed for easy transactions and access to your money for everyday spending. - [Mortgage crusher](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/4bf53174-dd79-4241-9ca5-84808771e18e) — Our Mortgage Crusher transaction account offers a 100% offset against your eligible variable home loan, reducing the amount of interest you pay. - [Youth Simply Access Transaction Account](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/202f348a-4888-43c9-a944-c4f3c653c717) — Establish good sending and saving habits plays an important role in creating a great foundation for your child's lifelong relationship with money and banking. - [Dream Fund](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/d9772ff5-78d8-46c4-b489-caa0f05d4c98) — A savings account that offers bonus interest in any month your account balance grows (not including interest credits) - [Community and Business Saver](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/525d32b2-bade-4a4b-ad84-4dc8353c78a4) — An online business savings account that allows you to access your funds via Internet and Smart Phone Banking. With competitive interest rates and no monthly account fees - [Community and Business Access](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/d2849cce-36a7-4489-a93a-06899147fc57) — A business account designed for high-transacting businesses and not-for-profit organisations offering a large number of free transactions each month. - [Everyday Account](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/54256207-7199-45a9-b711-8f5d5cf6943a) — Flexible transaction account with unlimited selected transactions with no monthly fee - [Offset](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/14ec7f30-78ae-47ec-8437-dc615b8fc055) — An Offset Account is an everyday transaction account that can help reduce the interest charged on your home loan. ## Term Deposits (2) Fixed-term savings with locked-in rates. - [Term Deposit](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/78e74a3d-0266-49ea-9aa7-cb406845da8d) — A secure way to invest your money and earn a great return on your investment. - [Term Deposit](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5) — Let us help you reach your investment goals sooner with a high interest term deposit. ## Home Loans (18) Residential mortgages for owner-occupiers and investors. - [Fixed Investment Loan](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/d5cad622-fc61-4edd-beaa-53dcfbb1d928) — With our Fixed Rate Home & Investment Loans you can set your interest rate for a fixed period of time, so you know exactly what your mortgage repayments will be, helping you to budget and plan your finances. - [Fixed Home Loan](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/ab366207-e016-4216-ba82-62061e6a44d7) — With our Fixed Rate Home & Investment Loans you can set your interest rate for a fixed period of time, so you know exactly what your mortgage repayments will be, helping you to budget and plan your finances. - [Fixed Investment Loan - Interest Only](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/29ec9c8d-cd99-455c-b137-fb449caacf59) — With our Fixed Rate Home & Investment Interest Only Loans you can set your interest rate for a fixed period of time, so you know exactly what your mortgage repayments will be, helping you to budget and plan your finances. - [Standard Fixed Rate Home Loans - Investment ](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/e5bcfa98-711e-4fe4-a61f-b48a1b08698d) — Our fixed rate home loans allow you to lock an interest rate in for 1, 2, 3 or 5 years so you know exactly what your repayments will be. - [Standard Fixed Rate Home Loans - Owner Occupied ](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/7ed2d768-8322-497b-9b68-510519174a4e) — Our fixed rate home loans allow you to lock an interest rate in for 1, 2, 3 or 5 years so you know exactly what your repayments will be. - [Basic Variable Investment Construction - IO](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/ff48631b-094d-4e3b-aabc-76ba14d7e208) — Our Basic Variable Home & Investment Construction Loans offers our lowest rate with no upfront or no ongoing monthly fee which enables you to make unlimited extra repayments to pay off your loan quicker. - [Basic Variable Investment Loan - Interest Only](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/e89db159-79bc-4283-8a13-803ed308f4b5) — Our Basic Variable Home & Investment Loans offers our lowest rate with no upfront or no ongoing monthly fee which enables you to make unlimited extra repayments to pay off your loan quicker. - [Basic Variable Investment Construction](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/c2eb6f8f-71b9-4c76-9504-00b7393d1cfb) — Our Basic Variable Home & Investment Construction Loans offers our lowest rate with no upfront or no ongoing monthly fee which enables you to make unlimited extra repayments to pay off your loan quicker. - [Basic Variable Investment Loan](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/64efdaaf-6f11-4bf4-9485-77960f9600d4) — Our Basic Variable Home & Investment Loans offers our lowest rate with no upfront or no ongoing monthly fee which enables you to make unlimited extra repayments to pay off your loan quicker. - [Basic Variable Home Construction](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/5e044a10-8eeb-4d1c-8f28-be22922921db) — Our Basic Variable Home & Investment Construction Loans offers our lowest rate with no upfront or no ongoing monthly fee which enables you to make unlimited extra repayments to pay off your loan quicker. - [Basic Variable Home Loan](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/406acd2d-821f-41fa-b658-f4011722355b) — Our Basic Variable Home & Investment Loans offers our lowest rate with no upfront or no ongoing monthly fee which enables you to make unlimited extra repayments to pay off your loan quicker. - [Discount Variable - Owner Occupied ](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/f1f4dfec-268b-4d8f-b177-33311c33cef5) — Enjoy a low rate home loan with no monthly administration fee, the ability to make additional repayments and free online redraw. - [Discount Variable - Investment ](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/87fbccff-cd65-4cd3-98b9-e2220d59b6e8) — Enjoy a low rate home loan with no monthly administration fee, the ability to make additional repayments and free online redraw. - [Home Build Access (HBA) Low Deposit](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/fe262220-bb74-4bd5-8b97-e7c986c74be8) — CEOH (NT ONLY) lends 17.5% of the purchase price on new home or construction of home. - [Home Build Access (HBA) SIL](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/8441fcfd-18a1-4707-80cf-c7eab861b3f3) — CEOH (NT ONLY) lends 98% of the purchase price on new home or construction of home. - [Staff Home Loan](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/7a12b620-5d54-4e20-92b6-4bc1597d95cd) — Staff Home Loan - [Home Build Access (HBA) Deposit Assist Loan](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/5cb697f7-09f6-445c-929f-d721c301cb51) — CEOH (NT ONLY) lends up to 10% of the purchase price as a deposit for the purchase of a new home or land off the plan. - [Fee Assistance Loan - Sub](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/22339aa7-2f1c-42c9-9db9-011f486c2871) — CEOH (NT ONLY) lends up to $10,000 to assist with costs associated with buying home and deposit ## Credit & Charge Cards (6) Credit and charge cards. - [Visa Classic](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/c6429737-4297-44fa-a1b4-af601293b79f) — Offers a competitive interest rate and up to 55 days interest free* on Visa purchases - [Secured Business Visa Credit Card](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/baffe12c-ef7a-427c-bf70-fbd96dbd71f8) — Business Credit card gives business owners access to a credit card facility, plus the option of having more than one card to cover monthly fuel, accommodation and other business expenses. - [Unsecured Business Visa Credit Card](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/59c9ee22-c20e-4f97-bb8c-692b7fa4ad99) — Business Credit card gives business owners access to a credit card facility, plus the option of having more than one card to cover monthly fuel, accommodation and other business expenses. - [Gold Low Rate](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/4c3869bb-cc9c-40bb-a2cd-bdf1b38a38a5) — Ongoing low varaible rate, plus lots of features, makes this one of our most popular credit cards - [Platinum Credit Card](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/43c542b1-44b8-4228-8d9c-c5de3d8be9ee) — Our premium card has a competitive interest rate, loads of features and a great rewards program. - [Visa Credit Card ](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/ef54bfdb-5db3-4ce7-b678-25492785377a) — The People's Choice Credit Union Visa Credit card offers you the flexibility of more interest free days than most other cards. You can use it for anything from day to day purchases to paying bills or even withdrawing cash. ## Personal Loans (6) Unsecured and secured personal lending. - [Discounted Personal Loan](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/6435d68c-9128-427f-90f5-3d47eab0c0ff) — Our Discounted Personal Loan is free of ongoing monthly fees, offers flexible loan terms and can be used to buy or refinance a new or used car, caravan or motorcycle at a great rate. We offer a discounted interest rate with our Green Car Loan option. - [Standard Personal Loan Fixed](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/eccc7a56-6d38-4dca-a672-0b189f5f5703) — A flexible loan that can be used for holidays, renovations, debt consolidation or a new toy to play with.  - [Car Loan](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/acc16605-491c-4908-84a2-0f3baedbc397) — Purchase or refinance of a new or used vehicle up to 10 years old through a Dealer or Private Sale - [Green Car Loan](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/543d1619-baa1-483b-bdbf-8007957086bf) — Purchase or refinance of a new or used pure electric (EVs), plug-in hybrid electric (PHEVs), fuel cell electric vehicles (FCEVs), regenerative electric (non-plug in) (HEVs) or hydrogen vehicle up to 7 years old through a Dealer or Private Sale. - [Staff Personal Loan](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/7bdcf90b-dd8a-4fc8-a470-269fe1637199) — Staff Personal Loan - [Unsecured Personal Loan](https://www.cdrcompare.au/brands/people-first-and-heritage-bank/products/08ae1087-94c6-4931-b03a-efa3e09714fe) — Our Unsecured Personal Loan offers a fixed rate for the life of your loan, flexible repayments, competitive interest rates and the freedom of an unsecured loan option. You can use our personal loan for almost any purpose; from buying a car to refinancing an existing loan and debt consolidation. ## Data provenance - Data published by People First and Heritage Bank under the Consumer Data Right - ABN 11087651125 - CDR Register entry updated: 1 July 2026 - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000199 - Provider Product Reference Data endpoint: https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products --- Source: [CDR Compare](https://www.cdrcompare.au/brands/people-first-and-heritage-bank) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider. 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