Interest paid half yearly: A deduction of 0.05% p.a will apply to the quoted rate. Interest paid monthly or quarterly: A deduction of 0.05% p.a will apply to the quoted rate. A deduction of 0.05% p.a will apply to the quoted rate. Interest paid fortnightly: only available if you are 55+ and retired, eligible for a pension, or hold a seniors card. Interest paid up front: available on terms up to 12 months. However, you’ll have the option to change that if you’re willing to sacrifice part of your interest. Interest is typically paid at maturity on terms of up to twelve months and yearly on terms of between two and five years. You’ll also be looking at rates of between 1.25% p.a. With the Heritage Bank Term Deposit you’ll be able to invest as little as $1,000 for between one month and five years.
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