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 All Term Deposits Call Accounts Online Call Accounts Savings Debentures Bonds By Provider Up to 12 months    More than 12 months 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 $10,000 - 3.00 3.00 3.25 3.25 4.00 4.00 4.40 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 3.50 4.00 4.25 4.00 4.30 AA- Term Investment $50,000 - 3.00 3.00 3.50 4.00 4.25 4.00 4.30 AA- BankDirect Term Investment $10,000 $49,999 3.00 3.00 3.25 4.00 4.25 4.00 4.30 AA- BankDirect Term Investment $50,000 $10,000,000 3.00 3.00 3.25 4.00 4.25 4.00 4.30 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 $1,000,000 2.75 2.75 3.50 4.40 4.00 4.35 4.50 AA- BNZ Term Saver $5,000 $1,000,000 2.75 2.75 3.50 4.40 4.00 4.35 4.50 AA- CBS Canterbury CBS Fixed Rate Term Deposit $1,000 $19,999 4.40 4.40 4.75 4.45 4.90 5.15 5.75 BBB- CBS Canterbury ✓ CBS Top Rate Term Deposit $1,000 $19,999 - - - - - - 5.75 BBB- CBS Canterbury ✓ CBS Monthly Income Term Deposit $5,000 $19,999 - - - - - - 5.50 BBB- CBS Canterbury CBS Fixed Rate Term Deposit $20,000 - 4.50 4.50 4.75 4.55 5.00 5.25 5.75 BBB- CBS Canterbury CBS Top Rate Term Deposit $20,000 $500,000 - - - - - - 5.75 BBB- CBS Canterbury CBS Monthly Income Term Deposit $20,000 $500,000 - - - - - - 5.50 BBB- Credit Union Auckland Investment Account $500 $9,999 - - 3.25 - 3.50 3.50 4.00 NR Credit Union Auckland Investment Account $10,000 $240,000 - - 3.75 - 4.60 4.60 4.70 NR Credit Union Baywide Term investment $1,000 $250,000 3.25 3.25 3.75 4.25 4.50 4.60 4.75 BB Credit Union North Investment $1,000 $250,000 - - 3.75 - 4.25 4.50 4.75 BB Credit Union South Term investment $500 $4,999 2.00 2.00 3.00 - 3.25 - 3.50 BB Provider RDGS Product Minimum Deposit Maximum Deposit 30 days 60 days 90 days 5 months 6 months 9 months 12 months Rating Credit Union South Term investment $5,000 $250,000 3.50 3.50 4.00 - 4.25 - 4.50 BB First Credit Union Term Investment $500 $9,999 - - 4.00 - 4.65 4.65 5.00 BB First Credit Union Term Investment $10,000 $49,999 - - 4.00 - 4.65 4.65 5.00 BB First Credit Union Term Investment $50,000 - - - 4.00 - 4.65 4.65 5.00 BB HBS Bank Term Investment $5,000 - - - 3.50 - 4.25 4.38 4.35 Heartland Building Society Heartland Term Deposit $1,000 $19,999 4.40 4.40 4.75 - 4.90 5.15 5.75 BBB- Heartland Building Society Heartland Term Deposit $20,000 - 4.50 4.50 4.75 - 5.00 5.25 5.75 BBB- Heretaunga Building Society Term Investment $1 - - - 3.60 - 4.50 4.40 4.60 NR HSBC Premier Term Deposits $5,000 - 1.55 1.55 1.80 1.80 1.80 1.80 1.80 AA- HSBC Premier Term Deposits $10,000 - 2.10 2.10 3.25 3.40 3.95 4.00 4.20 AA- HSBC Premier Term Deposits $100,000 - 2.20 2.20 3.35 3.50 4.05 4.10 4.30 AA- Kiwibank Term Deposits $1,000 $4,999 - - 2.00 2.00 2.00 - 2.00 AA- Kiwibank Notice Saver $2,000 - 4.10 - 4.30 - - - - AA- Kiwibank Term Deposits $5,000 $9,999 2.75 2.75 3.25 3.70 3.80 - 4.40 AA- Kiwibank Term Deposits $10,000 $49,999 2.75 2.75 3.30 3.80 3.90 - 4.50 AA- Kiwibank Term Deposits $50,000 $249,999 2.75 2.75 3.30 3.80 3.90 - 4.50 AA- Kookmin - NZ Term Deposit - $4,999 - - - - - - 4.00 A Kookmin - NZ Term Deposit $10,000 $49,999 2.50 2.80 3.40 3.80 4.10 4.30 4.40 A Kookmin - NZ Term Deposit $50,000 $99,999 3.00 3.00 3.50 3.90 4.20 4.40 4.50 A Kookmin - NZ Term Deposit $100,000 - 3.00 3.00 3.50 4.00 4.30 4.40 4.50 A Provider RDGS Product Minimum Deposit Maximum Deposit 30 days 60 days 90 days 5 months 6 months 9 months 12 months Rating Secured Deposit $5,000 $19,999 - - 5.25 - 5.95 6.25 6.80 BB+ Secured Deposit $20,000 - - - 5.35 - 6.05 6.35 6.90 BB+ Manchester Unity Credit Union Term Deposits $10,000 $250,000 - - - - - - 3.95 B+/B MaracTerm Deposit $1,000 $19,999 4.40 4.40 4.75 - 4.90 5.15 5.75 BBB- Marac Term Deposit $20,000 - 4.50 4.50 4.75 - 5.00 5.25 5.75 BBB- Napier Building Society Term Deposit $5,000 - - - 3.50 - 4.25 - 4.50 NR National Bank Term Investment $10,000 $5,000,000 3.00 3.00 3.25 3.25 4.00 4.00 4.40 AA- Nelson Building Society Term Deposit $5,000 $250,000 3.00 - 3.50 - 4.30▼ 4.40 4.40▼ PGG Wrightson Finance Term Deposit $1,000 $19,999 4.40 4.40 4.75 - 4.90 5.15 5.75 BBB- PGG Wrightson Finance Term Deposit -Anl Interest $20,000 - - - - - - - 6.00 BBB- PGG Wrightson Finance Term Deposit -Mth Interest $20,000 - - - - - - - 5.65 BBB- PGG Wrightson Finance Term Deposit - Qtr Interest $20,000 - 4.50 4.50 4.75 - 5.00 5.25 5.75 BBB- Public Trust Term Deposit $5,000 $9,999 - - 3.00 - 3.10 3.10▼ 3.10▼ Public Trust Term Deposit $10,000 $49,999 - - 3.00 - 3.10 3.10▼ 3.10▼ Public Trust Term Deposit $50,000 $249,999 - - 3.00 - 3.10 3.10▼ 3.10▼ Public Trust Term Deposit $250,000 - - - 3.00 - 3.10 3.10▼ 3.10▼ RaboPlus $1,000 - 3.00 - 3.70 - 4.20 4.20▼ 4.60▲ AA SBS Bank Term Investment $1,000 - 3.50 3.50 3.50 3.50 3.50 3.50 3.50 BBB SBS Bank Term Investment Specials $5,000 $250,000 - - 3.50 3.50 4.30 4.40 4.40 BBB Southern Cross Term Deposit $1,000 $19,999 4.40 4.40 4.75 - 4.90 5.15 5.75 BBB- Provider RDGS Product Minimum Deposit Maximum Deposit 30 days 60 days 90 days 5 months 6 months 9 months 12 months Rating Southern Cross Term Deposit $20,000 - 4.50 4.50 4.75 - 5.00 5.25 5.75 BBB- The Co-operative Bank Term Deposit $2,000 $4,999 3.00 - 3.55 - 3.55 3.70 3.75 BBB- The Co-operative Bank Term Deposit $5,000 $9,999 3.00 - 3.55 - 4.25 4.45 4.30 BBB- The Co-operative Bank Term Deposit $10,000 - 3.00 - 3.55 - 4.25 4.45 4.30 BBB- Term Deposit $5,000 $9,999 2.75 2.75 3.25 3.50 3.70 3.90 4.20 BBB+ Term Deposit $10,000 $250,000 2.75 2.75 3.50 3.75 4.05 4.20 4.35 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 - - - 4.00 - 4.15 4.35 4.50 Term Investment $5,000 $9,999 2.00 3.00 3.00 3.00 3.00 3.00 4.00 AA- Monthly Interest Investment $5,000 $9,999 - - - - 3.00 3.00 4.00 AA- Term Investment $10,000 $49,999 3.00 3.00 3.25 3.50 4.00 4.00 4.25 AA- Monthly Interest Investment $10,000 $49,999 - - - - 4.00 4.00 4.25 AA- Term Investment $50,000 $99,999 3.00 3.00 3.25 3.50 4.00 4.00 4.25 AA- Monthly Interest Investment $50,000 $99,999 - - - - 4.00 4.00 4.25 AA- Monthly Interest Investment $100,000 $249,999 - - - - 4.00 4.00 4.25 AA- Term Investment $100,000 $249,999 3.00 3.00 3.25 3.50 4.00 4.00 4.25 AA- RDGS = Approved institutions that are participating in the Crown Retail Deposit Guarantee Scheme.

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