Term Deposits Interest Rates
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
Provider
 |
RDGS |
Product
 | Minimum Deposit
 |
Maximum Deposit
 |
30 days
 |
60 days
 |
90 days
 |
5 months
 |
6 months
 |
9 months
 |
12 months
 |
Rating
 |
| ANZ |
✓ |
Term Deposits | $5,000 |
$9,999 |
3.00 |
3.00 |
3.50 |
3.25 |
3.50 |
3.50 |
5.20 |
AA |
| ANZ |
✓ |
Term Deposits | $10,000 |
$49,999 |
3.00 |
3.00 |
3.50 |
4.00 |
5.10 |
5.10 |
5.20 |
AA |
| ANZ |
✓ |
Term Deposits | $50,000 |
$999,999 |
3.00 |
3.00 |
3.50 |
4.00 |
5.10 |
5.10 |
5.20 |
AA |
 |
✓ |
Term Investment | $5,000 |
$9,999 |
2.00 |
2.25 |
3.00 |
3.00 |
3.00 |
3.00 |
3.00 |
AA |
 |
✓ |
Term Investment | $10,000 |
$49,999 |
3.00 |
3.00 |
3.75 |
3.50 |
4.90 |
5.00 |
5.30 |
AA |
 |
✓ |
Term Investment | $50,000 |
- |
3.00 |
3.00 |
3.75 |
3.50 |
4.90 |
5.00 |
5.30 |
AA |
| BankDirect |
✓ |
Term Investment | $10,000 |
$49,999 |
3.00 |
3.00 |
3.75 |
3.50 |
4.90 |
5.00 |
5.30 |
AA |
| BankDirect |
✓ |
Term Investment | $50,000 |
$250,000 |
3.00 |
3.00 |
3.75 |
3.50 |
4.90 |
5.00 |
5.30 |
AA |
| BNZ |
✓ |
Term Investment | $2,000 |
$4,999 |
2.00 |
2.00 |
2.00 |
2.00 |
2.00 |
2.00 |
2.00 |
AA |
| BNZ |
✓ |
Term Investment | $5,000 |
$9,999 |
2.50 |
2.50 |
2.50 |
2.50 |
2.50 |
2.50 |
3.00 |
AA |
| BNZ |
✓ |
Term Investment | $10,000 |
$49,999 |
3.00 |
2.65 |
3.40 |
5.10 |
4.00 |
5.20 |
4.40 |
AA |
| BNZ |
✓ |
Term Saver | $10,000 |
$49,999 |
3.00 |
- |
- |
- |
- |
- |
- |
AA |
| BNZ |
✓ |
Term Investment | $50,000 |
$99,999 |
3.00 |
2.70 |
3.45 |
5.10 |
4.05 |
5.20 |
4.45 |
AA |
| BNZ |
✓ |
Term Saver | $50,000 |
$99,999 |
3.00 |
- |
- |
- |
- |
- |
- |
AA |
| BNZ |
✓ |
Term Investment | $100,000 |
$250,000 |
3.00 |
2.75 |
3.50 |
5.10 |
4.10 |
5.20 |
4.50 |
AA |
| BNZ |
✓ |
Term Saver | $100,000 |
$250,000 |
3.00 |
- |
- |
- |
- |
- |
- |
AA |
| CBS Canterbury |
✓ |
Term Deposits | $1,000 |
$4,999 |
3.00 |
3.00 |
3.75 |
3.75 |
3.75 |
4.00 |
4.00 |
BB+ /B |
| CBS Canterbury |
✓ |
Term Deposits | $5,000 |
$250,000 |
3.25 |
3.25 |
4.75 |
4.75 |
5.15 |
5.25 |
5.40 |
BB+ /B |
| Credit Union Auckland |
✓ |
Investment Account | $500 |
$9,999 |
- |
- |
3.50 |
- |
3.50 |
3.75 |
5.00 |
NR |
| Credit Union Auckland |
✓ |
Investment Account | $10,000 |
$240,000 |
- |
- |
3.75 |
- |
4.80 |
5.25 |
5.50 |
NR |
|
|
Provider
 |
RDGS |
Product
 | Minimum Deposit
 |
Maximum Deposit
 |
30 days
 |
60 days
 |
90 days
 |
5 months
 |
6 months
 |
9 months
 |
12 months
 |
Rating
 |
| Credit Union Baywide |
✓ |
Term investment | $1,000 |
$250,000 |
3.75 |
3.75 |
3.75 |
5.00 |
5.30 |
5.30 |
5.50 |
BB |
| Credit Union North |
✓ |
Investment | $500 |
$250,000 |
- |
- |
4.00 |
- |
5.10▲ |
5.25 |
5.50 |
BB |
| Credit Union South |
✓ |
Term investment | $500 |
$4,999 |
2.00 |
2.00 |
3.00 |
- |
4.25 |
- |
4.50 |
BB |
| Credit Union South |
✓ |
Term investment | $5,000 |
$250,000 |
4.00 |
4.00 |
4.00 |
- |
5.25 |
- |
5.50 |
BB |
| First Credit Union |
✓ |
Term Investment | $500 |
$9,999 |
- |
- |
4.25 |
- |
5.00 |
5.25 |
5.40 |
BB |
| First Credit Union |
✓ |
Term Investment | $10,000 |
$49,999 |
- |
- |
4.25 |
- |
5.00 |
5.25 |
5.40 |
BB |
| First Credit Union |
✓ |
Term Investment | $50,000 |
- |
- |
- |
4.25 |
- |
5.00 |
5.25 |
5.40 |
BB |
| HBS Building Society |
✓ |
Term Investment | $5,000 |
- |
- |
- |
4.00 |
4.00 |
5.20 |
5.20 |
5.40 |
BB |
| Heretaunga Perm Bldg Socy |
✓ |
Term Investment | $1 |
- |
- |
- |
4.25 |
- |
5.00 |
- |
5.20 |
NR |
| HSBC Premier |
✓ |
Term Deposits | $5,000 |
$9,999 |
1.55 |
1.55 |
1.80 |
1.80 |
1.80 |
1.75 |
1.80 |
AA |
| HSBC Premier |
✓ |
Term Deposits | $10,000 |
$49,999 |
2.75 |
2.75 |
3.40 |
3.90 |
3.90 |
4.15 |
4.50 |
AA |
| HSBC Premier |
✓ |
Term Deposits | $50,000 |
$99,999 |
2.75 |
2.75 |
3.40 |
3.90 |
3.90 |
4.15 |
4.50 |
AA |
| HSBC Premier |
✓ |
Term Deposits | $100,000 |
$249,999 |
2.70 |
2.70 |
3.40 |
3.50 |
3.75 |
4.00 |
4.25 |
AA |
| HSBC Premier |
✓ |
Term Deposits | $250,000 |
- |
2.70 |
2.70 |
3.40 |
3.50 |
3.75 |
4.00 |
4.25 |
AA |
| Kiwibank |
✓ |
Term Deposits | $1,000 |
$4,999 |
- |
- |
2.00 |
2.00 |
2.00 |
- |
2.00 |
AA- |
| Kiwibank |
✓ |
Term Deposits | $5,000 |
$9,999 |
2.75 |
2.75 |
3.75 |
5.15 |
4.50 |
- |
5.20 |
AA- |
| Kiwibank |
✓ |
Term Deposits | $10,000 |
$49,999 |
2.75 |
2.75 |
3.75 |
5.15 |
4.50 |
- |
5.20 |
AA- |
| Kiwibank |
✓ |
Term Deposits | $50,000 |
$249,999 |
2.75 |
2.75 |
3.75 |
5.15 |
4.50 |
- |
5.20 |
AA- |
| Kookmin - NZ |
✓ |
Term Deposit | $10,000 |
$49,999 |
2.80 |
2.80 |
3.50 |
4.40 |
4.50 |
4.60 |
4.80 |
A |
| Kookmin - NZ |
✓ |
Term Deposit | $50,000 |
$99,999 |
3.00 |
3.00 |
4.00 |
4.50 |
4.90 |
4.90 |
5.00 |
A |
|
|
Provider
 |
RDGS |
Product
 | Minimum Deposit
 |
Maximum Deposit
 |
30 days
 |
60 days
 |
90 days
 |
5 months
 |
6 months
 |
9 months
 |
12 months
 |
Rating
 |
| Kookmin - NZ |
✓ |
Term Deposit | $100,000 |
- |
3.10 |
3.10 |
4.00 |
4.50 |
4.50 |
4.80 |
5.10 |
A |
| Napier Building Society |
✓ |
Term Deposit | $5,000 |
- |
- |
- |
3.50 |
- |
4.75 |
- |
5.00 |
NR |
| National Bank |
✓ |
Term Investment | $5,000 |
$9,999 |
3.00 |
3.00 |
3.50 |
3.25 |
3.50 |
3.50 |
5.20 |
AA |
| National Bank |
✓ |
Term Investment | $10,000 |
$49,999 |
3.00 |
3.00 |
3.50 |
3.50 |
4.50 |
5.10 |
5.20 |
AA |
| National Bank |
✓ |
Term Investment | $50,000 |
$250,000 |
3.00 |
3.00 |
3.50 |
3.50 |
4.50 |
5.10 |
5.20 |
AA |
| National Bank |
✓ |
Term Investment | $250,000 |
- |
- |
- |
- |
- |
- |
- |
- |
AA |
| Nelson Building Society |
✓ |
Term Deposit | $5,000 |
- |
3.00 |
- |
4.10 |
- |
5.00 |
5.15 |
5.45 |
|
| PSIS |
✓ |
Term Deposit | $2,000 |
$9,999 |
3.00 |
- |
3.75 |
- |
3.75 |
3.75 |
4.50 |
BB+ |
| PSIS |
✓ |
Term Deposit | $10,000 |
$49,999 |
3.00 |
- |
3.75 |
- |
4.60 |
5.35 |
5.25 |
BB+ |
| PSIS |
✓ |
Term Deposit | $50,000 |
- |
3.00 |
- |
3.75 |
- |
4.60 |
5.35 |
5.25 |
BB+ |
| Public Trust |
|
Term Deposit | $5,000 |
$9,999 |
- |
- |
2.90 |
- |
2.90 |
2.90 |
3.80 |
NR |
| Public Trust |
|
Term Deposit | $10,000 |
$49,999 |
- |
- |
3.30 |
- |
3.55 |
3.30 |
4.00 |
NR |
| Public Trust |
|
Term Deposit | $50,000 |
$249,999 |
- |
- |
3.30 |
- |
3.55 |
3.30 |
4.00 |
NR |
| Public Trust |
|
Term Deposit | $250,000 |
- |
- |
- |
3.30 |
- |
3.55 |
3.30 |
4.00 |
NR |
 |
✓ |
RaboPlus | $1,000 |
- |
3.25 |
- |
3.60 |
- |
5.20 |
5.35 |
5.60 |
AAA |
| SBS Bank |
✓ |
Term Investment | $1,000 |
- |
- |
- |
3.50 |
- |
3.50 |
- |
3.50 |
|
| SBS Bank |
✓ |
Term Investment Specials | $5,000 |
$250,000 |
- |
- |
4.00 |
5.00 |
5.00 |
- |
5.25 |
|
| Southern Cross Bldg Socy |
✓ |
Guaranteed | $1,000 |
$250,000 |
3.15 |
3.90 |
4.40 |
4.40 |
4.90 |
4.90 |
5.20 |
BB |
| Southern Cross Bldg Socy |
|
Non-Guaranteed | $1,000 |
$250,000 |
3.45 |
4.20 |
4.70 |
4.70 |
5.30 |
5.30 |
5.60 |
BB |
| TSB Bank |
✓ |
Term Deposit | $1 |
$4,999 |
2.50 |
2.50 |
3.00 |
- |
3.00 |
3.00 |
3.00 |
BBB+ |
|
|
Provider
 |
RDGS |
Product
 | Minimum Deposit
 |
Maximum Deposit
 |
30 days
 |
60 days
 |
90 days
 |
5 months
 |
6 months
 |
9 months
 |
12 months
 |
Rating
 |
| TSB Bank |
✓ |
Term Deposit | $5,000 |
$9,999 |
3.00 |
3.00 |
3.50 |
3.50 |
3.75 |
3.75 |
4.50 |
BBB+ |
| TSB Bank |
✓ |
Term Deposit | $10,000 |
$250,000 |
3.00 |
3.00 |
3.75 |
4.50 |
5.00 |
5.10 |
5.25 |
BBB+ |
| Wairarapa Bldg Socy |
✓ |
Term Investment | $500 |
$1,999 |
- |
- |
2.00 |
- |
2.00 |
2.00 |
2.00 |
|
| Wairarapa Bldg Socy |
✓ |
Term Investment | $2,000 |
$4,999 |
- |
- |
3.00 |
- |
3.00 |
3.00 |
3.00 |
|
| Wairarapa Bldg Socy |
✓ |
Term Investment | $5,000 |
- |
- |
- |
5.25 |
- |
5.25 |
5.10 |
5.20 |
|
 |
✓ |
Term Investment | $5,000 |
$9,999 |
2.00 |
3.00 |
3.25 |
3.25 |
3.50 |
3.50 |
4.50 |
AA |
 |
✓ |
Monthly Interest Investment | $5,000 |
$9,999 |
- |
- |
- |
- |
3.50 |
3.50 |
4.50 |
AA |
 |
✓ |
Term Investment | $10,000 |
$49,999 |
3.00 |
3.00 |
4.20 |
4.75 |
5.10 |
5.10 |
5.20 |
AA |
 |
✓ |
Monthly Interest Investment | $10,000 |
$49,999 |
- |
- |
- |
- |
5.00 |
5.10 |
5.20 |
AA |
 |
✓ |
Term Investment | $50,000 |
$99,999 |
3.00 |
3.00 |
4.20 |
4.75 |
5.10 |
5.10 |
5.20 |
AA |
 |
✓ |
Monthly Interest Investment | $50,000 |
$99,999 |
- |
- |
- |
- |
5.00 |
5.10 |
5.20 |
AA |
 |
✓ |
Monthly Interest Investment | $100,000 |
$249,999 |
- |
- |
- |
- |
5.00 |
5.10 |
5.20 |
AA |
 |
✓ |
Term Investment | $100,000 |
$249,999 |
3.00 |
3.00 |
4.20 |
4.75 |
5.10 |
5.10 |
5.20 |
AA |
RDGS = Approved institutions that are participating in the Crown Retail Deposit Guarantee Scheme.
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