Find the best interest rate for your term investment
With this interest rates table, you can use the arrows to sort by various options such as interest rate, provider, amount and rating. Rates changes from the past seven days will be highlighted in green or red.
View Cash PIE and Term PIE rates here
Return to top
Term Deposits
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
ANZ
✓ $5,000
$9,999
-
3.00
3.00
3.50
3.25
3.50
3.50
5.00
AA
ANZ
✓ $10,000
$49,999
-
3.00
3.00
3.50
3.50▲
4.90▲
5.10▲
5.00
AA
ANZ
✓ $50,000
$999,999
-
3.00
3.00
3.50
3.50▲
4.90▲
5.10▲
5.00
AA
ASB Bank
✓ $5,000
$9,999
-
2.00
2.25
3.00
3.00
3.00
3.00
3.00
AA
ASB Bank
✓ $10,000
$49,999
-
3.00
3.00
3.75
3.75
4.00
4.10
5.00
AA
ASB Bank
✓ $50,000
-
-
3.00
3.00
3.75
3.75
4.00
4.10
5.00
AA
BankDirect
✓ $10,000
$49,999
-
3.00
3.00
3.75
3.75
4.00
4.10
5.00
AA
BankDirect
✓ $50,000
$250,000
-
3.00
3.00
3.75
3.75
4.00
4.10
5.00
AA
BNZ
✓ $2,000
$4,999
-
2.00
2.00
2.00
2.00
2.00
2.00
2.00
AA
BNZ
✓ $5,000
$9,999
-
2.50
2.50
2.50
2.50
2.50
2.50
3.00
AA
BNZ
✓ $10,000
$49,999
-
3.00
2.65
3.40
3.40
4.90
3.30
4.40
AA
BNZ
✓ $10,000
$49,999
-
3.00
-
-
-
-
-
-
AA
BNZ
✓ $50,000
$99,999
-
3.00
2.70
3.45
3.45
4.90
3.35
4.45
AA
BNZ
✓ $50,000
$99,999
-
3.00
-
-
-
-
-
-
AA
BNZ
✓ $100,000
$250,000
-
3.00
2.75
3.50
3.50
4.90
3.40
4.50
AA
BNZ
✓ $100,000
$250,000
-
3.00
-
-
-
-
-
-
AA
CBS Canterbury
✓ $1,000
$4,999
-
3.00
3.00
3.75
3.75
3.75
3.75
4.00
BB+ /B
CBS Canterbury
✓ $5,000
$250,000
-
3.25
3.25
4.50
4.50
5.00
5.00
5.20
BB+ /B
CRAIGS Investment Partners
✓ $5,000
$19,999
-
1.25
1.25
2.00
2.25
2.25
-
2.50
NR
CRAIGS Investment Partners
✓ $20,000
$49,999
-
1.50
1.60
2.50
2.70
4.00
-
3.75
NR
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
CRAIGS Investment Partners
✓ $50,000
$99,999
-
2.00
2.10
2.90
3.00
4.10
-
4.00
NR
CRAIGS Investment Partners
✓ $100,000
-
-
2.30
2.35
3.10
3.15
4.25
-
4.25
NR
Credit Union Auckland
✓ $500
$9,999
-
-
-
3.50
-
3.50
3.50
5.00
NR
Credit Union Auckland
✓ $10,000
$240,000
-
-
-
3.75
-
4.80
4.80
5.50
NR
Credit Union Baywide
✓ $1,000
$250,000
-
4.00
4.50
4.50
-
5.00
5.10
5.25
BB
Credit Union North
✓ $500
$250,000
-
3.50
3.75
4.75
-
5.00
5.25
5.40
BB
Credit Union South
✓ $500
$4,999
-
3.00
3.00
4.00
3.00
4.00
-
4.25
BB
Credit Union South
✓ $5,000
$250,000
-
4.00
4.00
4.00
4.00
5.00
-
5.25
BB
Credit Union Taranaki
$500
$4,999
-
3.00
3.00
3.00
-
4.00
-
4.25
Credit Union Taranaki
$5,000
$250,000
-
4.00
4.00
4.00
-
5.00
-
5.25
First Credit Union
✓ $500
$9,999
-
-
-
4.25
-
4.50
4.75
5.10
BB
First Credit Union
✓ $10,000
$49,999
-
-
-
4.25
-
4.65
4.75
5.25
BB
First Credit Union
✓ $50,000
-
-
-
-
4.25
-
4.65
4.75
5.25
BB
HBS Building Society
✓ $5,000
-
-
-
-
4.00
4.00
4.90
4.90
5.25
BB
Heretaunga Perm Bldg Socy
✓ $1
-
-
-
-
4.25
-
5.00▲
-
5.20
NR
HSBC Premier
✓ $5,000
$9,999
-
1.55
1.55
1.80
1.80
1.80
1.75
1.80
AA
HSBC Premier
✓ $10,000
$49,999
-
2.90
2.90
3.65
3.90
4.25
4.15
4.50
AA
HSBC Premier
✓ $50,000
$99,999
-
2.90
2.90
3.65
3.90
4.25
4.15
4.50
AA
HSBC Premier
✓ $100,000
$249,999
-
2.95▼
2.95▼
3.65▼
4.00
4.30▼
4.25
4.60
AA
HSBC Premier
✓ $250,000
-
-
2.95▼
2.95▼
3.65▼
4.00
4.30▼
4.25
4.60
AA
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
Kiwibank
✓ $1,000
$4,999
-
-
-
2.00
2.00
2.00
-
2.00
AA-
Kiwibank
✓ $5,000
$9,999
-
2.75
2.75
3.75
3.75
5.00
-
5.15▲
AA-
Kiwibank
✓ $10,000
$49,999
-
2.75
2.75
3.75
3.75
5.00
-
5.15▲
AA-
Kiwibank
✓ $50,000
$249,999
-
2.75
2.75
3.75
3.75
5.00
-
5.15▲
AA-
Kookmin - NZ
✓ $10,000
$49,999
-
2.80
2.80
3.50
4.40
4.50
4.60
4.80
A
Kookmin - NZ
✓ $50,000
$99,999
-
3.00
3.00
4.00
4.50
4.90
4.90
5.00
A
Kookmin - NZ
✓ $100,000
-
-
3.10
3.10
4.00
4.50
4.50
4.80
5.10
A
Napier Building Society
✓ $5,000
-
-
-
-
3.50
-
4.75
-
5.00
NR
National Bank
✓ $5,000
$9,999
-
3.00
3.00
3.50
3.25
3.50
3.50
5.00
AA
National Bank
✓ $10,000
$49,999
-
3.00
3.00
3.50
4.90▲
4.50▲
5.10▲
5.00
AA
National Bank
✓ $50,000
$250,000
-
3.00
3.00
3.50
4.90▲
4.50▲
5.10▲
5.00
AA
National Bank
✓ $250,000
-
-
-
-
-
-
-
-
-
AA
Nelson Building Society
✓ $5,000
-
-
3.00
-
4.10
-
5.00
5.00
5.25
PSIS
✓ $2,000
$9,999
-
3.00
-
3.75
-
3.75
3.75
4.50
BB+
PSIS
✓ $10,000
$49,999
-
3.00
-
3.75
-
4.60
5.15▲
5.15▲
BB+
PSIS
✓ $50,000
-
-
3.00
-
3.75
-
4.60
5.15▲
5.15▲
BB+
Public Trust
$5,000
$9,999
-
-
-
2.90
-
2.90
2.90
3.80
NR
Public Trust
$10,000
$49,999
-
-
-
3.30
-
3.55
3.30
4.00
NR
Public Trust
$50,000
$249,999
-
-
-
3.30
-
3.55
3.30
4.00
NR
Public Trust
$250,000
-
-
-
-
3.30
-
3.55
3.30
4.00
NR
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
✓ $1,000
-
-
3.25
-
3.45
-
4.00
-
4.95
AAA
SBS Bank
✓ $1,000
-
-
-
-
2.75
-
2.75
-
2.75
SBS Bank
✓ $5,000
$250,000
-
-
-
4.00
4.00
4.80
4.80
5.20
Southern Cross Bldg Socy
✓ $1,000
$250,000
-
3.25
4.00
4.25
4.25
5.00
5.00
5.20
BB
TSB Bank
✓ $1
$4,999
-
2.50
2.50
3.00
-
3.00
3.00
3.00
BBB+
TSB Bank
✓ $5,000
$9,999
-
3.00
3.00
3.50
3.50
3.75
3.75
4.50
BBB+
TSB Bank
✓ $10,000
$250,000
-
3.00
3.00
3.75
4.50
5.00
4.75
5.10
BBB+
Wairarapa Bldg Socy
✓ $500
$1,999
-
-
-
2.00
-
2.00
2.00
2.00
Wairarapa Bldg Socy
✓ $2,000
$9,999
-
-
-
3.00
-
3.00
3.00
3.00
Wairarapa Bldg Socy
✓ $10,000
-
-
-
-
4.55
-
5.00
3.50
5.00
Westpac
✓ $5,000
$9,999
-
2.00
3.00
3.50
3.25
3.50
3.50
4.50
AA
Westpac
✓ $5,000
$9,999
-
-
-
-
-
3.00
3.00
3.00
AA
Westpac
✓ $10,000
$49,999
-
3.00
3.00
3.50
3.25
4.90
3.50
5.20
AA
Westpac
✓ $10,000
$49,999
-
-
-
-
-
3.00
3.00
3.00
AA
Westpac
✓ $50,000
$99,999
-
3.00
3.00
3.50
3.25
4.90
3.50
5.20
AA
Westpac
✓ $50,000
$99,999
-
-
-
-
-
3.00
3.00
3.00
AA
Westpac
✓ $100,000
$249,999
-
-
-
-
-
3.00
3.00
3.00
AA
Westpac
✓ $100,000
$249,999
-
3.00
3.00
3.50
3.25
4.90
3.50
5.20
AA
Return to top
Call Accounts
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
ANZ
✓ -
$4,999
0.50
-
-
-
-
-
-
-
AA
ANZ
✓ -
$19,999
1.25▼
-
-
-
-
-
-
-
AA
ANZ
✓ $2,000
-
2.50
-
-
-
-
-
-
-
AA
ANZ
✓ $5,000
$19,999
1.00
-
-
-
-
-
-
-
AA
ANZ
✓ $20,000
$49,999
1.50
-
-
-
-
-
-
-
AA
ANZ
✓ $20,000
$49,999
1.75▼
-
-
-
-
-
-
-
AA
ANZ
✓ $50,000
$99,999
1.50
-
-
-
-
-
-
-
AA
ANZ
✓ $50,000
$99,999
1.75▼
-
-
-
-
-
-
-
AA
ANZ
✓ $100,000
-
2.50
-
-
-
-
-
-
-
AA
ANZ
✓ $100,000
-
2.70▼
-
-
-
-
-
-
-
AA
ASB Bank
✓ $1
-
3.15
-
-
-
-
-
-
-
AA
ASB Bank
✓ $5,000
$19,999
0.50
-
-
-
-
-
-
-
AA
ASB Bank
✓ $20,000
$99,999
1.00
-
-
-
-
-
-
-
AA
ASB Bank
✓ $100,000
$249,999
1.50
-
-
-
-
-
-
-
AA
ASB Bank
✓ $250,000
$499,999
1.75
-
-
-
-
-
-
-
AA
ASB Bank
✓ $500,000
-
2.00
-
-
-
-
-
-
-
AA
BankDirect
✓ $1
-
3.15
-
-
-
-
-
-
-
AA
BankDirect
✓ $5,000
$49,999
1.00
-
-
-
-
-
-
-
AA
BankDirect
✓ $50,000
$99,999
1.50
-
-
-
-
-
-
-
AA
BankDirect
✓ $100,000
-
3.15
-
-
-
-
-
-
-
AA
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
BNZ
✓ -
$49,999
1.75
-
-
-
-
-
-
-
AA
BNZ
✓ $5,000
$19,999
0.85
-
-
-
-
-
-
-
AA
BNZ
✓ $20,000
$99,999
1.85
-
-
-
-
-
-
-
AA
BNZ
✓ $50,000
$99,999
1.75
-
-
-
-
-
-
-
AA
BNZ
✓ $100,000
$249,999
2.35
-
-
-
-
-
-
-
AA
BNZ
✓ $100,000
-
3.25
-
-
-
-
-
-
-
AA
BNZ
✓ $250,000
$499,999
3.10
-
-
-
-
-
-
-
AA
BNZ
✓ $500,000
-
3.35
-
-
-
-
-
-
-
AA
CBS Canterbury
✓ -
$499
1.00
-
-
-
-
-
-
-
BB+ /B
CBS Canterbury
✓ $500
$4,999
1.50
-
-
-
-
-
-
-
BB+ /B
CBS Canterbury
✓ $5,000
$9,999
2.00
-
-
-
-
-
-
-
BB+ /B
CBS Canterbury
✓ $5,000
-
4.00
-
-
-
-
-
-
-
BB+ /B
CBS Canterbury
✓ $10,000
-
3.00
-
-
-
-
-
-
-
BB+ /B
CRAIGS Investment Partners
✓ $500
$19,999
2.00
-
-
-
-
-
-
-
NR
CRAIGS Investment Partners
✓ $20,000
$49,999
2.25
-
-
-
-
-
-
-
NR
CRAIGS Investment Partners
✓ $50,000
$99,999
2.50
-
-
-
-
-
-
-
NR
CRAIGS Investment Partners
✓ $100,000
$249,999
2.75
-
-
-
-
-
-
-
NR
CRAIGS Investment Partners
✓ $250,000
$499,999
3.00
-
-
-
-
-
-
-
NR
CRAIGS Investment Partners
✓ $500,000
-
3.25
-
-
-
-
-
-
-
NR
Credit Union Baywide
✓ -
$4,999
2.75
-
-
-
-
-
-
-
BB
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
Credit Union Baywide
✓ $5,000
$19,999
3.25
-
-
-
-
-
-
-
BB
Credit Union Baywide
✓ $20,000
$99,999
3.45
-
-
-
-
-
-
-
BB
Credit Union Baywide
✓ $100,000
-
3.75
-
-
-
-
-
-
-
BB
Credit Union North
✓ $1
$999
2.50
-
-
-
-
-
-
-
BB
Credit Union North
✓ $1,000
$4,999
3.25
-
-
-
-
-
-
-
BB
Credit Union North
✓ $5,000
$9,999
3.50
-
-
-
-
-
-
-
BB
Credit Union North
✓ $10,000
$49,999
3.75
-
-
-
-
-
-
-
BB
Credit Union North
✓ $50,000
-
3.75
-
-
-
-
-
-
-
BB
First Credit Union
✓ -
$999
2.00
-
-
-
-
-
-
-
BB
First Credit Union
✓ $1
-
3.75
-
-
-
-
-
-
-
BB
First Credit Union
✓ $1,000
$4,999
2.75
-
-
-
-
-
-
-
BB
First Credit Union
✓ $5,000
-
3.75
-
-
-
-
-
-
-
BB
First NZ Capital
-
$9,999
-
-
-
-
-
-
-
-
NR
First NZ Capital
$10,000
$49,999
-
-
-
-
-
-
-
-
NR
First NZ Capital
$50,000
$199,999
-
-
-
-
-
-
-
-
NR
First NZ Capital
$200,000
$499,999
-
-
-
-
-
-
-
-
NR
First NZ Capital
$500,000
-
-
-
-
-
-
-
-
-
NR
Fisher & Paykel Finance
✓ $500
$250,000
4.25
-
-
-
-
-
-
-
BB
Forsyth Barr
✓ $3,000
$19,999
2.00
-
-
-
-
-
-
-
AAm
Forsyth Barr
✓ $20,000
$49,999
2.25
-
-
-
-
-
-
-
AAm
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
Forsyth Barr
✓ $50,000
$249,999
2.75
-
-
-
-
-
-
-
AAm
Forsyth Barr
✓ $250,000
-
3.00
-
-
-
-
-
-
-
AAm
Geneva Finance
$5,000
-
7.75
-
-
-
-
-
-
-
CC
Gold Band Finance
✓ $500
$4,999
-
-
-
-
-
-
-
-
NR
Gold Band Finance
✓ $5,000
-
-
-
-
-
-
-
-
-
NR
HBS Building Society
✓ $1,000
$4,999
1.00
-
-
-
-
-
-
-
BB
HBS Building Society
✓ $5,000
$9,999
2.30
-
-
-
-
-
-
-
BB
HBS Building Society
✓ $10,000
$19,999
2.60
-
-
-
-
-
-
-
BB
HBS Building Society
✓ $20,000
$49,999
2.70
-
-
-
-
-
-
-
BB
HBS Building Society
✓ $50,000
$99,999
2.80
-
-
-
-
-
-
-
BB
HBS Building Society
✓ $100,000
$249,999
2.90
-
-
-
-
-
-
-
BB
HBS Building Society
✓ $250,000
-
3.00
-
-
-
-
-
-
-
BB
Heretaunga Perm Bldg Socy
✓ -
$49,999
4.00
-
-
-
-
-
-
-
NR
Heretaunga Perm Bldg Socy
✓ $50,000
$99,999
4.00
-
-
-
-
-
-
-
NR
Heretaunga Perm Bldg Socy
✓ $100,000
-
4.50
-
-
-
-
-
-
-
NR
HSBC Premier
✓ -
$9,999
-
-
-
-
-
-
-
-
AA
HSBC Premier
✓ $1
$14,999
1.00
-
-
-
-
-
-
-
AA
HSBC Premier
✓ $10,000
$19,999
-
-
-
-
-
-
-
-
AA
HSBC Premier
✓ $15,000
-
3.00
-
-
-
-
-
-
-
AA
HSBC Premier
✓ $20,000
-
1.00
-
-
-
-
-
-
-
AA
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
ING
$5,000
$24,999
-
-
-
-
-
-
-
-
NR
ING
$25,000
$99,999
-
-
-
-
-
-
-
-
NR
ING
$100,000
-
-
-
-
-
-
-
-
-
NR
Kiwibank
✓ -
$99
-
-
-
-
-
-
-
-
AA-
Kiwibank
✓ -
$3,999
-
-
-
-
-
-
-
-
AA-
Kiwibank
✓ -
-
1.50
-
-
-
-
-
-
-
AA-
Kiwibank
✓ -
$999
1.75
-
-
-
-
-
-
-
AA-
Kiwibank
✓ -
-
2.50
-
-
-
-
-
-
-
AA-
Kiwibank
✓ $100
-
0.50
-
-
-
-
-
-
-
AA-
Kiwibank
✓ $1,000
$2,999
2.00
-
-
-
-
-
-
-
AA-
Kiwibank
✓ $2,000
-
3.25
-
-
-
-
-
-
-
AA-
Kiwibank
✓ $2,000
-
2.65
-
-
-
-
-
-
-
AA-
Kiwibank
✓ $3,000
$3,999
2.00
-
-
-
-
-
-
-
AA-
Kiwibank
✓ $4,000
$14,999
2.00
-
-
-
-
-
-
-
AA-
Kiwibank
✓ $4,000
-
2.50
-
-
-
-
-
-
-
AA-
Kiwibank
✓ $15,000
$49,999
2.00
-
-
-
-
-
-
-
AA-
Kiwibank
✓ $50,000
$99,999
2.75
-
-
-
-
-
-
-
AA-
Kiwibank
✓ $100,000
-
3.25
-
-
-
-
-
-
-
AA-
Napier Building Society
✓ $1
-
2.50
-
-
-
-
-
-
-
NR
National Bank
✓ -
$4,999
-
-
-
-
-
-
-
-
AA
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
National Bank
✓ -
-
0.25
-
-
-
-
-
-
-
AA
National Bank
✓ -
-
3.50
-
-
-
-
-
-
-
AA
National Bank
✓ -
$4,999
1.00
-
-
-
-
-
-
-
AA
National Bank
✓ -
$4,999
1.00
-
-
-
-
-
-
-
AA
National Bank
✓ $5,000
$49,999
1.00
-
-
-
-
-
-
-
AA
National Bank
✓ $5,000
-
1.50
-
-
-
-
-
-
-
AA
National Bank
✓ $5,000
$99,999
1.75
-
-
-
-
-
-
-
AA
National Bank
✓ $50,000
$99,999
1.50
-
-
-
-
-
-
-
AA
National Bank
✓ $100,000
-
2.00
-
-
-
-
-
-
-
AA
National Bank
✓ $100,000
$249,999
2.00
-
-
-
-
-
-
-
AA
National Bank
✓ $250,000
-
2.50
-
-
-
-
-
-
-
AA
Nelson Building Society
✓ $1
$9,999
3.20
-
-
-
-
-
-
-
Nelson Building Society
✓ $10,000
-
3.20
-
-
-
-
-
-
-
NZ Guardian Trust
$1,000
-
2.43▼
-
-
-
-
-
-
-
NR
Perpetual Trust
$100
-
1.70▼
-
-
-
-
-
-
-
NR
Perpetual Trust
$500
-
7.50▼
-
-
-
-
-
-
-
NR
PGG Wrightson
✓ $1
$500,000
4.25
-
-
-
-
-
-
-
BB
PGG Wrightson
✓ $500,000
-
4.25
-
-
-
-
-
-
-
BB
Prometheus
✓ $500
-
2.00
-
-
-
-
-
-
-
PSIS
✓ $1
-
3.25
-
-
-
-
-
-
-
BB+
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
PSIS
✓ $5,000
$14,999
1.75
-
-
-
-
-
-
-
BB+
PSIS
✓ $15,000
$49,999
2.00
-
-
-
-
-
-
-
BB+
PSIS
✓ $50,000
$99,999
2.50
-
-
-
-
-
-
-
BB+
PSIS
✓ $100,000
-
3.15
-
-
-
-
-
-
-
BB+
✓ -
-
3.50
-
-
-
-
-
-
-
AAA
SBS Bank
✓ -
$4,999
1.00
-
-
-
-
-
-
-
SBS Bank
✓ -
-
3.20
-
-
-
-
-
-
-
SBS Bank
✓ $5,000
$19,999
1.50
-
-
-
-
-
-
-
SBS Bank
✓ $20,000
$49,999
1.50
-
-
-
-
-
-
-
SBS Bank
✓ $50,000
$249,999
2.00
-
-
-
-
-
-
-
SBS Bank
✓ $250,000
-
3.20
-
-
-
-
-
-
-
Southern Cross Bldg Socy
✓ -
$999
1.00
-
-
-
-
-
-
-
BB
Southern Cross Bldg Socy
✓ $1,000
$4,999
2.25
-
-
-
-
-
-
-
BB
Southern Cross Bldg Socy
✓ $5,000
$9,999
3.25
-
-
-
-
-
-
-
BB
Southern Cross Bldg Socy
✓ $10,000
$249,999
3.50
-
-
-
-
-
-
-
BB
TSB Bank
✓ $1
-
3.25
-
-
-
-
-
-
-
BBB+
TSB Bank
✓ $5,000
$19,999
3.75
-
-
-
-
-
-
-
BBB+
TSB Bank
✓ $20,000
$34,999
4.00
-
-
-
-
-
-
-
BBB+
TSB Bank
✓ $35,000
$49,999
4.25
-
-
-
-
-
-
-
BBB+
TSB Bank
✓ $50,000
$99,999
4.60
-
-
-
-
-
-
-
BBB+
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
TSB Bank
✓ $100,000
-
5.00
-
-
-
-
-
-
-
BBB+
✓ $5,000
$49,999
3.00
-
-
-
-
-
-
-
AA
✓ $50,000
$99,999
3.00
-
-
-
-
-
-
-
AA
✓ $100,000
-
3.25
-
-
-
-
-
-
-
AA
Westpac
✓ -
$100,000
2.00
-
-
-
-
-
-
-
AA
Westpac
✓ -
$4,999
-
-
-
-
-
-
-
-
AA
Westpac
✓ $1
-
3.00
-
-
-
-
-
-
-
AA
Westpac
✓ $5,000
$19,999
0.75
-
-
-
-
-
-
-
AA
Westpac
✓ $20,000
$49,999
-
-
-
-
-
-
-
-
AA
Westpac
✓ $20,000
$49,999
0.75
-
-
-
-
-
-
-
AA
Westpac
✓ $50,000
$99,999
-
-
-
-
-
-
-
-
AA
Westpac
✓ $50,000
$99,999
1.75
-
-
-
-
-
-
-
AA
Westpac
✓ $100,000
-
-
-
-
-
-
-
-
-
AA
Westpac
✓ $100,000
-
2.50
-
-
-
-
-
-
-
AA
Westpac
✓ $100,000
$499,999
3.00
-
-
-
-
-
-
-
AA
Westpac
✓ $500,000
-
3.00
-
-
-
-
-
-
-
AA
Return to top
Online Call Accounts
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
ANZ
✓ $2,000
-
2.50
-
-
-
-
-
-
-
AA
ASB Bank
✓ $1
-
3.15
-
-
-
-
-
-
-
AA
BankDirect
✓ $1
-
3.15
-
-
-
-
-
-
-
AA
First Credit Union
✓ $1
-
3.75
-
-
-
-
-
-
-
BB
HSBC Premier
✓ $1
$14,999
1.00
-
-
-
-
-
-
-
AA
HSBC Premier
✓ $15,000
-
3.00
-
-
-
-
-
-
-
AA
Kiwibank
✓ $2,000
-
3.25
-
-
-
-
-
-
-
AA-
Kiwibank
✓ $2,000
-
2.65
-
-
-
-
-
-
-
AA-
National Bank
✓ -
$4,999
1.00
-
-
-
-
-
-
-
AA
National Bank
✓ $5,000
$99,999
1.75
-
-
-
-
-
-
-
AA
National Bank
✓ $100,000
$249,999
2.00
-
-
-
-
-
-
-
AA
National Bank
✓ $250,000
-
2.50
-
-
-
-
-
-
-
AA
PSIS
✓ $1
-
3.25
-
-
-
-
-
-
-
BB+
✓ -
-
3.50
-
-
-
-
-
-
-
AAA
SBS Bank
✓ -
-
3.20
-
-
-
-
-
-
-
TSB Bank
✓ $1
-
3.25
-
-
-
-
-
-
-
BBB+
Westpac
✓ -
$100,000
2.00
-
-
-
-
-
-
-
AA
Westpac
✓ $100,000
$499,999
3.00
-
-
-
-
-
-
-
AA
Westpac
✓ $500,000
-
3.00
-
-
-
-
-
-
-
AA
Return to top
Savings
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
BNZ
✓ -
$49,999
1.75
-
-
-
-
-
-
-
AA
BNZ
✓ $50,000
$99,999
1.75
-
-
-
-
-
-
-
AA
BNZ
✓ $100,000
-
3.25
-
-
-
-
-
-
-
AA
CBS Canterbury
✓ $5,000
-
4.00
-
-
-
-
-
-
-
BB+ /B
Credit Union North
✓ $1
$999
2.50
-
-
-
-
-
-
-
BB
Credit Union North
✓ $1,000
$4,999
3.25
-
-
-
-
-
-
-
BB
Credit Union North
✓ $5,000
$9,999
3.50
-
-
-
-
-
-
-
BB
Credit Union North
✓ $10,000
$49,999
3.75
-
-
-
-
-
-
-
BB
Credit Union North
✓ $50,000
-
3.75
-
-
-
-
-
-
-
BB
First Credit Union
✓ -
$999
2.00
-
-
-
-
-
-
-
BB
First Credit Union
✓ $1,000
$4,999
2.75
-
-
-
-
-
-
-
BB
First Credit Union
✓ $5,000
-
3.75
-
-
-
-
-
-
-
BB
Geneva Finance
$5,000
-
7.75
-
-
-
-
-
-
-
CC
HBS Building Society
✓ $1,000
$4,999
1.00
-
-
-
-
-
-
-
BB
HBS Building Society
✓ $5,000
$9,999
2.30
-
-
-
-
-
-
-
BB
HBS Building Society
✓ $10,000
$19,999
2.60
-
-
-
-
-
-
-
BB
HBS Building Society
✓ $20,000
$49,999
2.70
-
-
-
-
-
-
-
BB
HBS Building Society
✓ $50,000
$99,999
2.80
-
-
-
-
-
-
-
BB
HBS Building Society
✓ $100,000
$249,999
2.90
-
-
-
-
-
-
-
BB
HBS Building Society
✓ $250,000
-
3.00
-
-
-
-
-
-
-
BB
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
National Bank
✓ -
-
0.25
-
-
-
-
-
-
-
AA
National Bank
✓ -
-
3.50
-
-
-
-
-
-
-
AA
National Bank
✓ -
$4,999
1.00
-
-
-
-
-
-
-
AA
National Bank
✓ $5,000
-
1.50
-
-
-
-
-
-
-
AA
Westpac
✓ -
$4,999
-
-
-
-
-
-
-
-
AA
Westpac
✓ $1
-
3.00
-
-
-
-
-
-
-
AA
Westpac
✓ $5,000
$19,999
0.75
-
-
-
-
-
-
-
AA
Westpac
✓ $20,000
$49,999
0.75
-
-
-
-
-
-
-
AA
Westpac
✓ $50,000
$99,999
1.75
-
-
-
-
-
-
-
AA
Westpac
✓ $100,000
-
2.50
-
-
-
-
-
-
-
AA
Return to top
Debentures
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
Allied Nationwide
✓ $500
-
2.50
-
-
-
-
-
-
7.50
NR
Asset Finance
✓ $500
-
-
-
-
-
-
-
7.75
9.25
B
Avanti Finance
✓ $10,000
-
-
-
-
-
-
-
-
-
BB-
✓ $500
-
-
-
-
-
-
-
-
-
BB-
✓ $2,000
-
3.00
-
-
4.00
-
5.50
-
6.00
BB
FAI Money
✓ $1,000
$4,999
-
-
-
-
-
-
-
6.10
NR
FAI Money
✓ $5,000
-
1.00
-
-
-
-
-
-
6.75
NR
FE Investments
✓ $1,000
-
-
-
-
-
-
-
-
7.00▲
NR
Finance Direct Ltd
✓ $1,000
-
-
-
-
-
-
5.00
-
7.25
NR
Fisher & Paykel Finance
✓ $1,000
$250,000
-
-
-
4.50
-
5.25
5.25
5.50
BB
General Finance
✓ $5,000
-
-
-
-
-
-
4.25
-
5.00
NR
Geneva Finance
$5,000
-
-
-
-
-
-
-
-
-
CC
Gold Band Finance
✓ -
$4,999
-
-
-
-
-
2.00
2.00
4.50
NR
Gold Band Finance
✓ $5,000
-
-
-
-
-
-
2.50
2.50
5.00
NR
✓ $1,000
$49,999
-
3.75
3.75
4.50
-
5.00
5.00
5.50
BB+
✓ $50,000
$250,000
-
3.75
3.75
4.50
-
5.00
5.00
5.50
BB+
Mutual Finance
✓ $1,000
-
3.00
-
-
-
-
-
6.75
7.25
NR
NZF
✓ $1,000
$9,999
-
-
-
4.25
-
4.75
4.50
6.50
B
NZF
✓ $10,000
-
-
-
-
4.50
-
5.00
4.75
6.75
B
Oxford Finance
✓ $500
-
4.00
-
-
4.25
-
4.75
-
5.50
BBB-
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
PGG Wrightson
✓ $1
$10,000
4.70
-
-
5.45
-
6.45
6.30
6.45
BB
PGG Wrightson
✓ $500
$9,999
3.70
-
-
4.45
-
5.45
5.30
5.45
BB
PGG Wrightson
✓ $10,000
$99,999
3.90
-
-
4.65
-
5.65
5.50
5.65
BB
PGG Wrightson
✓ $10,000
$99,999
4.90
-
-
5.65
-
6.65
6.50
6.65
BB
PGG Wrightson
✓ $100,000
-
4.00
-
-
4.75
-
5.75
5.60
5.75
BB
PGG Wrightson
✓ $100,000
-
5.00
-
-
5.75
-
6.75
6.60
6.75
BB
Prometheus
✓ $1,000
$4,999
-
-
-
-
-
3.50
-
3.75
Prometheus
✓ $5,000
$9,999
-
-
-
-
-
3.50
-
3.75
Prometheus
✓ $10,000
-
-
-
-
-
-
3.50
-
3.75
Rifleman Finance
$1,000
$49,999
-
-
-
-
-
-
-
-
NR
Rifleman Finance
$50,000
$249,999
-
-
-
-
-
-
-
-
NR
Savings & Loans
✓ $1,000
-
4.50
-
-
-
-
5.25
-
7.00
NR
✓ $100
-
-
-
-
4.50
7.00
6.00
-
7.50
BB
✓ $5,000
$99,999
-
3.00
3.00
3.75
3.90
4.10
3.90
4.80
AA
✓ $100,000
-
-
3.00
3.00
3.75
4.00
4.20
4.00
4.80
AA
$5,000
-
-
-
-
6.50
-
6.50
6.50
8.75
NR
Return to top
Bonds
Provider
RDGS Minimum Deposit
Maximum Deposit
Call
30 days
60 days
90 days
5 months
6 months
9 months
12 months
Rating
BNZ
✓ $20,000
$49,999
-
-
-
-
-
4.90
-
4.40
AA
BNZ
✓ $50,000
$250,000
-
-
-
-
-
4.90
-
4.50
AA
Debt Management Office
$1,000
$500,000
-
-
-
-
-
2.50
-
2.75
AAA
✓ $2,000
-
2.80▼
-
-
2.80▼
-
3.50▼
-
3.85▼
BB
Life Insurance Policy Exchange
$10,000
-
-
-
-
-
-
-
-
-
NR
✓ $1,000
$250,000
-
2.85
2.85
3.20
-
3.20
3.20
3.50
BB+
PSIS
✓ $2,000
-
-
-
-
-
-
-
-
-
BB+
Sentinel
$5,000
$500,000
-
-
-
-
-
-
-
6.00
RDGS = Approved institutions that are participating in the Crown Retail Deposit Guarantee Scheme .