MARAC Deposits are issued by Heartland Building Society. Heartland Building Society comprises the former businesses of MARAC, CBS Canterbury, Southern Cross Building Society and PGG Wrightson Finance. Finance and lending services are provided by MARAC Finance Limited, a subsidiary of Heartland Building Society. MARAC Finance Limited guarantees all deposits issued by Heartland Building Society. The guarantee is unsecured. Heartland Building Society has a BBB- (Outlook Stable) credit rating from Standard & Poor's. See our Investment Statement or click here for more details about our credit rating. For further information please see Heartland Building Society's current Investment Statement available here.