Heritage Bank Christmas Club

Save your money all year long and be prepared to have Christmas all wrapped up with no dent in your everyday money.

Heritage Bank offers members a convenient way to be well prepared for the financial hit that the Christmas season can bring. By putting away some money each month during the year, you can have enough saved by the holidays to make everyone’s Christmas wishes come true. This is also an interest earning account, giving you a bit more at the end of the terms for the wrapping paper and bows.

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0.45% p.a.

Maximum variable rate


Base interest rate

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Product NameHeritage Bank Christmas Club
Maximum Variable Rate0.45% p.a.
Standard Variable Rate0.45%
Monthly Account Fee$0
Minimum Opening Deposit$10
Minimum Age18

Key features

Monthly fees

You will not be charged a monthly account keeping fee with the Heritage Bank Christmas Club account.

Minimum balance requirement

In order for the account to remain active you must be able to maintain a minimum balance of one dollar.

How to apply


Heritage Bank is a credit union, requiring that before you use any of their products you first pay $1 for your share and apply for membership. This can be done at the same time online. Before proceeding however, check first to make sure that you qualify for this account:

  • Minimum age. While there is no minimum age stipulation made for the Christmas Club account, new members will need to be at least 18 years of age to apply online.
  • Residency requirements. You must be an Australian permanent resident or citizen with an Australian residential address to apply for this account.

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    Default Gravatar
    October 31, 2016

    When are the checks from this account mailed out.

      Avatarfinder Customer Care
      October 31, 2016

      Hi Letitia,

      Thanks for your inquiry. Please note that you’ve come through to finder.com.au, not actually Heritage Bank.

      If you wish to know when you can receive the checks from the bank, please contact Heritage Bank directly.


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