People First and Heritage Bank
Transaction & Savings Accounts
12Low cost account is designed with small to medium businesses' needs in mind and handles your day-to-day transactions efficiently.
A transaction account with no monthly fee designed for easy transactions and access to your money for everyday spending.
Our Mortgage Crusher transaction account offers a 100% offset against your eligible variable home loan, reducing the amount of interest you pay.
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.
Earn bonus interest when you make regular desposits and no withdrawals with a Heritage Target Bonus Account
Help your child establish good saving habits with a Heritage Kids Bank Account.
Manage your savings online with our high interest savings account.
A savings account that offers bonus interest in any month your account balance grows (not including interest credits)
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
A business account designed for high-transacting businesses and not-for-profit organisations offering a large number of free transactions each month.
Flexible transaction account with unlimited selected transactions with no monthly fee
An Offset Account is an everyday transaction account that can help reduce the interest charged on your home loan.
Term Deposits
2A secure way to invest your money and earn a great return on your investment.
Let us help you reach your investment goals sooner with a high interest term deposit.
Home Loans
18With 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Enjoy a low rate home loan with no monthly administration fee, the ability to make additional repayments and free online redraw.
Enjoy a low rate home loan with no monthly administration fee, the ability to make additional repayments and free online redraw.
CEOH (NT ONLY) lends 17.5% of the purchase price on new home or construction of home.
CEOH (NT ONLY) lends 98% of the purchase price on new home or construction of home.
Staff Home Loan
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.
CEOH (NT ONLY) lends up to $10,000 to assist with costs associated with buying home and deposit
Credit & Charge Cards
6Offers a competitive interest rate and up to 55 days interest free* on Visa purchases
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.
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.
Ongoing low varaible rate, plus lots of features, makes this one of our most popular credit cards
Our premium card has a competitive interest rate, loads of features and a great rewards program.
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
6Our 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.
A flexible loan that can be used for holidays, renovations, debt consolidation or a new toy to play with.
Purchase or refinance of a new or used vehicle up to 10 years old through a Dealer or Private Sale
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
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.
Business Loans
27Finance your business with the peace of mind of a set fixed interest rate, no monthly fees and certainty of set repayments for a fixed period
Finance your business with the peace of mind of a set fixed interest rate, no monthly fees and certainty of set repayments for a fixed period
Use your retirement savings as equity to purchase an investment property through your Self-Managed Super Fund with a Company Trustee
This loan is a good option for most business needs such as purchasing a property, buying a business or longer term working capital requirements.
This loan is a good option for most business needs such as purchasing a property, buying a business or longer term working capital requirements.
Use your retirement savings as equity to purchase an investment property through your Self-Managed Super Fund with a Company Trustee
Use your retirement savings as equity to purchase an investment property through your Self-Managed Super Fund with a Company Trustee
Use your retirement savings as equity to purchase an investment property through your Self-Managed Super Fund with a Company Trustee
This loan is a good option for most business needs such as purchasing a property, buying a business or longer term working capital requirements.
This loan is a good option for most business needs such as purchasing a property, buying a business or longer term working capital requirements.
If you're planning a building or construction project for your new or expanding business, with our Business Variable Construction Loan you can enjoy the benefits of interest only repayments and withdraw your funds gradually over a period of 12 months while you build.
Expand your business with a revolving line of credit and control your everyday finances, with an all-in-one account
Flexible variable loan to purchase or refinance a business, or a business asset or for any other worthwhile business purpose.
Flexible variable loan to purchase or refinance a business, or a business asset or for any other worthwhile business purpose
Finance a new or used equipment for your business.
Use your retirement savings as equity to purchase an investment property through your Self-Managed Super Fund with a Company Trustee
Use your retirement savings as equity to purchase an investment property through your Self-Managed Super Fund with a Company Trustee
Provides flexible form of finance that allows you to decide when to make principal reductions. Plus it gives you the ability to re-use these funds at any time during the term of the facility
This loan is a good option for most business needs such as purchasing a property, buying a business or longer term working capital requirements.
Use your retirement savings as equity to purchase an investment property through your Self-Managed Super Fund with a Company Trustee
Use your retirement savings as equity to purchase an investment property through your Self-Managed Super Fund with a Company Trustee
This loan is a good option for most business needs such as purchasing a property, buying a business or longer term working capital requirements.
Provides flexible form of finance that allows you to decide when to make principal reductions. Plus it gives you the ability to re-use these funds at any time during the term of the facility.
This loan is a good option for most business needs such as purchasing a property, buying a business or longer term working capital requirements.
This loan is a good option for most business needs such as purchasing a property, buying a business or longer term working capital requirements.
Low rate flexible loan, for business vehicles up to 3 tonne
Finance a new or used equipment for your business.
Overdrafts
2Our Business Overdraft Facility can give you flexible access to additional cash flow.
Our Business Overdraft Facility can give you flexible access to additional cash flow.
Data published by People First and Heritage Bank under the Consumer Data Right · ABN 11087651125 · Register entry updated 1 July 2026 · View on CDR.gov.au